Expertise.com

2024

Last updated:

Best Life Insurance Companies in Thousand Oaks

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Thousand Oaks Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5740Reviewed

3449Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1534 North Moorpark Road, Thousand Oaks, CA 91360
WebsiteLicense: 6001834

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (3)

Why choose this provider?

Oakridge Corporate Insurance Agency, LLC, based in Thousand Oaks, provides a variety of employee benefits for small businesses and large corporations, including life insurance products. Key Man Life Insurance is the company's partner in providing individual and group life insurance to its clients' employees. Its insurance counselors are also knowledgeable about health insurance programs, including medical, dental, vision, disability, and long-term care. Other services include tax strategies, employee retention, and wealth management. The company has been serving businesses for more than 20 years.

  • Life Insurance
  • Long Term Care

888 Rim Crest Drive, Westlake Village, CA 91361
WebsiteLicense: 0H46467

Expertise.com Rating

Review Sources

Yelp
5.0 (18)
Google
5.0 (7)

Why choose this provider?

Johnsen Insurance Solutions is an insurance agency that caters to individuals, families, and small businesses in Thousand Oaks and the surrounding areas. It offers different types of life insurance products, including term life, indexed universal life, and long-term care insurance. It also helps clients with health, Medicare, retirement, and small group health insurance. Johnsen Insurance Solutions is owned by Dale Johnsen. He has led multiple non-profit organizations and served the needs of hundreds of families for 30 years.

  • Life Insurance
  • Health Insurance

515 Marin Street, Thousand Oaks, CA 91360

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

LifeEase is an insurance brokerage servicing clients in Thousand Oaks. It offers life insurance products to help families in the event of untimely deaths. Moreover, it helps small business owners with insurance solutions and has coverage for property, casualty, and liability. The firm provides employees with a choice of group benefits and retirement plans personalized according to their needs. It also caters to lenders and loan applicants with necessary insurance policies. LifeEase is a partner of the ALS Association and the American Cancer Society.

  • Life Insurance

199 Thousand Oaks Boulevard, Thousand Oaks, CA 91360
WebsiteLicense: 0B36582

Expertise.com Rating

Review Sources

Google
5.0 (23)
Yelp
5.0 (7)
Facebook
5.0 (5)

Why choose this provider?

Geoff Avery is an insurance agent based in Thousand Oaks. He assists clients in selecting life insurance policies and annuities from State Farm Insurance. These life insurance policies include term life, whole life, and universal life plans. The company also offers insurance coverages for vehicles, health, disabilities, personal and professional liabilities, and homes and properties. Geoff has over 30 years of experience in the insurance industry and is a member of the BNI Ventura County Circle of Excellence.

  • Life Insurance
  • Health Insurance

246 Lombard St Suite B, Thousand Oaks, CA 91360
WebsiteLicense: 0I81016

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Get Benefits Insurance Services, Inc services the needs of individuals, families, and businesses in Thousand Oaks. The agency carries health insurance products, including medical, dental, vision, and life insurance. Its professionals are experienced in handling insurance coverage for homes, workers, vehicles, and pets. Tim Kanter is the president and managing agent of Get Benefits Insurance Services. He has worked in the insurance industry for more than 25 years, including with insurance carriers in underwriting, customer service, and sales.

  • Health Insurance

1489 Thousand Oaks Boulevard, Thousand Oaks, CA 91362
WebsiteLicense: 0D43486

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Chergey Insurance is an insurance team that serves the Thousand Oaks area. The company has full-service brokers who offer different insurance products for different clients. They provide assistance in crafting personal insurance policies, such as life, personal umbrella, home, condo, auto, and motorcycle insurance. They also help insure other vehicles like boats and trailers. Chergey Insurance is led by Dan Chergey and Rick Brown, who have 35 years of collective experience in the insurance industry.

  • Group Plans

1736 North Moorpark Road, Thousand Oaks, CA 91360
WebsiteLicense: 0H38610

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (6)
Yelp
5.0 (2)

Why choose this provider?

Park West Insurance Services is an independent agency based in Thousand Oaks. As an independent agency, the company carries products from different insurance providers. It provides home insurance, auto insurance, umbrella insurance, and life insurance products. Its life insurance options include term life insurance, whole life insurance, and universal life insurance. The company also offers commercial liability insurance, professional liability insurance, and workers’ compensation insurance. Off-road vehicle insurance, dwelling fire insurance, and earthquake insurance policies are also available.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

30770 Russell Ranch Road, Westlake Village, CA 91362
WebsiteLicense: 0I13822

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Cohen & Company is a firm that has been providing life insurance policies to individuals in Thousand Oaks and the surrounding areas for more than 15 years. It carries various life insurance policies, including term and permanent life insurance. In addition, it also offers disability, health, estate planning, and long-term care insurance. The company caters not only to individuals but also to businesses. It has various commercial products like workers’ compensation, commercial auto, business interruption, and construction insurance.

  • Life Insurance

2801 Townsgate Road, Thousand Oaks, CA 91361

Expertise.com Rating

Review Sources

Google
4.0 (14)
Yelp
4.0 (13)

Why choose this provider?

Cappuccino Insurance Agency is an independent insurance agency that serves clients in Thousand Oaks and the surrounding areas. Working with more than 20 insurance companies, its team of agents provides life insurance products that come in various options, such as term, whole, and universal life. In addition, the agency provides property insurance coverages, including flood, vacant property, and manufactured home insurance. Cappuccino Insurance Agency also extends its services to businesses that need insurance for general liability and commercial properties.

  • Life Insurance

5707 Corsa Avenue, Westlake Village, CA 91362
WebsiteLicense: 0M64219

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Knowles & Company Insurance Services is an independent insurance agency that serves clients in Thousand Oaks and the surrounding areas. In addition to term life and permanent life insurance options, the company offers health insurance coverage such as long-term care and disability insurance.. Its staff additionally handles estate planning, employee benefits, and private property protection policies. Property insurance includes jewelry and watch collections, fine art, yachts, and other high-value vehicles. Commercial insurance products are also available.

  • Life Insurance

2801 Townsgate Road, Westlake Village, CA 91361
WebsiteLicense: 0L47983

Expertise.com Rating

Review Sources

Yelp
4.0 (9)
Google
5.0 (7)
Facebook
5.0 (2)

Why choose this provider?

Steve Smith is an insurance agent at State Farm. He has been helping individuals and business owners in the community of Thousand Oaks and its surrounding areas since 1978. He focuses on life and business insurance. Steve offers a wide range of insurance coverage, including retirement planning, personal & commercial auto, and homeowners' insurance. He also leads a team of experienced staff that guides and educates clients to understand and determine their coverage. In addition, Steve previously worked as a stuntman.

  • Life Insurance

516 Pennsfield Place, Thousand Oaks, CA 91360
WebsiteLicense: 0G72965

Expertise.com Rating

Review Sources

Google
5.0 (62)

Why choose this provider?

DG Insurance Brokers offers personal and commercial insurance products to clients in and around Thousand Oaks. Its products include auto insurance, home insurance, health insurance, and life insurance. Its life insurance options include term, whole, and universal life policies. The agency also has commercial insurance products covering business liability, group health, workers’ compensation, and contractors. Clients can also ask the company about its liquor liability insurance and restaurant insurance products.

  • Life Insurance
  • Health Insurance

31225 La Baya Drive, Westlake Village, CA 91362
WebsiteLicense: 0D34088

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

Udell Family Insurance is an insurance agency that has been providing services to customers in Thousand Oaks and the surrounding communities since 1973. It represents different insurance carriers, including American Modern, GeoVera Insurance, and Hagerty. It offers term and whole life insurance policies, which can cover additional living expenses and financial debts. Additionally, it helps in the acquisition of health, homeowners', renters', RV, and umbrella insurance products. The team at Udell Family Insurance has 67 years of combined experience in the insurance industry.

  • Life Insurance
  • Health Insurance

FAQs

  • What is the advantage of whole or permanent insurance over term life insurance that may be relevant to residents of Thousand Oaks?

    Whole or permanent insurance provides the benefit of a fixed premium and death benefit for the duration of the policy. Similar to a savings account, these policies have the potential to accumulate cash value that can be withdrawn. Term policies, on the other hand, provide a death benefit only if the insured person dies during the policy's term. Individuals in Thousand Oaks may or may not qualify for new coverage after the policy term expires, depending on factors such as age, health, and premium expenses.

  • How can a variable universal life insurance address the risk management needs of Thousand Oaks residents?

    Through a combination of benefits, a variable life insurance policy can address the risk management needs of Thousand Oaks residents. These include a cash value accumulation investment feature, supplemental retirement income, and tax-free death benefits. Individuals can also tailor their policies to their preferences by incorporating a long-term care rider for an additional fee.

  • Why should Thousand Oak residents use the services of insurance brokers when shopping for comprehensive life insurance coverage?

    Because of their familiarity with the risks and insurance needs in the area, Thousand Oaks residents should consider working with an insurance broker when seeking comprehensive life insurance coverage. Insurance brokers are well-versed in the region's specific risks and insurance requirements. Residents face unique risks that necessitate tailored insurance solutions, such as wildfires, earthquakes, and floods, which can cause significant damage and disruption.

  • What variables determine the amount of life insurance coverage needed by Thousand Oaks residents?

    The appropriate amount of coverage required by residents of Thousand Oaks to protect their dependents is based on multiple factors, with the number of children being just one consideration. Age, future income potential, and the extent of an applicant's outstanding debts are additional variables that influence the minimum coverage level.

  • Which optional riders can be added by Thousand Oaks residents to customize and enhance their juvenile whole life insurance policies?

    Thousand Oaks policyholders of juvenile whole life insurance can customize their plans by selecting the guaranteed insurability benefit. This rider allows them to purchase additional life insurance at specified intervals, regardless of the future health status of their child. In addition, they can select the payor benefit, which provides a premium waiver on the child's policy if the adult payor or applicant dies or becomes permanently disabled.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...