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Best Life Insurance Companies in Ventura

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2023
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American Legacy Solutions logo
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American Legacy Solutions

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5808 Telephone Road, Ventura, CA 93003
  • Life Insurance
  • Health Insurance

Business Description

American Legacy Solutions is an insurance brokerage and investment strategies advisor with multiple offices across California, including Ventura. Its agents coordinate with a network of over 200 insurance carriers to better customize life insurance policies that heed the unique circumstances of clients—whether they want their final expenses covered to ease the burden on their families or to replace the loss of income upon their passing. The brokerage also offers legacy planning, which can maximize insurance policies and turn them into true financial assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (80)
Google
4.0 / 5 (6)
Yelp
5.0 / 5 (1)
Best Access Insurance logo
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Best Access Insurance

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3445 Telegraph Road, Ventura, CA 93003
  • Life Insurance

Business Description

Best Access Insurance provides insurance products and services to businesses and individuals in the Ventura metro and surrounding communities. It is an independent agency that accommodates clients who need assistance in purchasing life insurance plans. Additionally, the company's agents help clients acquire other plans such as health, disability, dental, long-term, and Medicare insurance. They assist clients throughout the process, from application to purchase of insurance policies. Best Access Insurance has been providing insurance solutions since 2007.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Bill Herrera logo
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License Verified:

License: 0A90066

California Department of Insurance

Bill Herrera

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502 Central Avenue, Fillmore, CA 93015
  • Life Insurance
  • Health Insurance

Business Description

Bill Herrera, a State Farm insurance agent of 29 years, helps Ventura residents looking for life insurance coverage. His policies cover paying off loans, adding extra protection for children, and finding benefits for families of the deceased. Bill also helps file insurance claims, conduct policy changes, and choose from 10-year, 15-year, or 20-year plans. He has also been a member of the Volunteer Fire Department in Fillmore for over two decades. Moreover, Herrera has been awarded the Lifetime Achievement Business of the Year in 2018.

License Verified:

License: 0A90066

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cappuccino Insurance Agency logo
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License Verified:

License: 0F79307

California Department of Insurance

Cappuccino Insurance Agency

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2801 Townsgate Road, Thousand Oaks, CA 91361
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Cappuccino Insurance Agency is an independent firm serving Ventura and surrounding cities. It works with over 20 insurance companies and offers life insurance policies, including term, whole, and universal life insurance. In addition, it provides a wide array of options, such as vehicle, property, and business insurance plans. The company's insurance agents are available to assess the policyholder's current coverage. They also make yearly reviews to check whether the policy still meets the client's lifestyle and needs.

License Verified:

License: 0F79307

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (14)
Yelp
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Carington Financial logo
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License Verified:

License: 0F97787

California Department of Insurance

Carington Financial

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2660 Townsgate Road, Thousand Oaks, CA 91361
  • Life Insurance

Business Description

Established in 2006, Carington Financial is a financial services firm that helps clients in Ventura and the surrounding areas. The boutique-style financial services agency offers an array of risk management solutions, including life insurance and long-term care insurance policies, retirement income planning, and asset management. Additionally, it provides IRA Legacy, estate, and tax planning services. Its founder and CFO, Monica Walker, has been in the financial services industry since 2000. She has previously worked for New York Life Insurance Company.

License Verified:

License: 0F97787

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Carmichael Associates logo
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License Verified:

License: 0E86528

California Department of Insurance

Carmichael Associates

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30343 Canwood Street, Agoura Hills, CA 91301
  • Life Insurance
  • Health Insurance

Business Description

Carmichael Associates is a life insurance company serving residents of Ventura. The company provides a wide range of life insurance packages such as whole, universal, and term. Plans for dental, vision, long-term care, and Medicare are also available. Its team of insurance agents caters to individuals and groups. Carmichael Associates has been providing its services to the community for nearly 30 years. Some of its insurance carriers include Anthem Blue Cross, Kaiser Permanente, and Prudential.

License Verified:

License: 0E86528

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Central Coast Insurance logo

License Verified:

License: 0715965

California Department of Insurance

Central Coast Insurance

270 East Highway 246, Ventura, CA 93427
  • Life Insurance
  • Health Insurance

Business Description

Central Coast Insurance is a Buellton-based independent agency that serves the Ventura area. Its team of risk management professionals assists clients in several areas, including health insurance. They have access to policy options from providers such as Anthem Blue Cross Blue Shield and GeoBlue, allowing them to find coverages that will match clients' specific needs. Life, home, and auto insurance are some of the other products they offer. Central Coast Insurance has been protecting clients since 1986.

License Verified:

License: 0715965

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Coast General Insurance Brokers logo

License Verified:

License: 0F60642

California Department of Insurance

Coast General Insurance Brokers

2775 North Ventura Road, Oxnard, CA 93036
  • Life Insurance
  • Group Plans

Business Description

Located in Ventura, Coast General Insurance Brokers is an independent insurance and financial services firm that serves businesses throughout the state of California. It offers employee benefit plans, which include key man life, group life, group medical, group dental, and group vision insurance. Founder and CEO Brenda Allison is a Health Insurance Professional and Agribusiness and Farm Insurance Specialist. She supports community organizations such as Big Brother Big Sister of Ventura County, Casa Pacifica, and Cuban Culture Club of Ventura County.

License Verified:

License: 0F60642

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Direct Service Insurance logo
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License Verified:

License: 0D70322

California Department of Insurance

Direct Service Insurance

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1629 East Main Street, Ventura, CA 93001
  • Life Insurance

Business Description

Direct Service Insurance is a local agency servicing the Ventura community. It offers life insurance policies for individuals and families based on age, gender, and medical history. These can cover basic living expenses, child education funding, lost income, and household debts, estate taxes, and funeral expenses. The agency also provides insurance plans for general liability, commercial auto, and fixed income annuities. Its owner, Patrick Hall, has over three decades of experience in sales and marketing.

License Verified:

License: 0D70322

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (8)
Facebook
5.0 / 5 (4)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gimlin & Udy Insurance Agency, Inc. logo
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License Verified:

License: 0F50015

California Department of Insurance

Gimlin & Udy Insurance Agency, Inc.

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601 East Daily Drive, Camarillo, CA 93010
  • Life Insurance

Business Description

Gimlin & Udy Insurance Agency, Inc., is a family-owned and family-operated company that serves individuals and businesses in the Ventura metro. It offers term, whole, and universal life insurance plans to help clients protect their family's future and prepare for the unexpected. Additionally, it provides condo, earthquake, flood, home, and umbrella insurance products. Gimlin & Udy Insurance Agency partners with various insurance carriers, such as Allianz, Assurant, and The Hartford. Its owner, John Udy, offers 36 years of experience in the insurance industry.

License Verified:

License: 0F50015

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Harper-Cole Insurance Services Inc. logo
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License Verified:

License: 0C60262

California Department of Insurance

Harper-Cole Insurance Services Inc.

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2140 Eastman Avenue, Ventura, CA 93003
  • Life Insurance

Business Description

Harper-Cole Insurance Services, Inc., has been serving clients in Ventura and the surrounding areas for nearly 50 years. It offers life insurance and annuity products and works with multiple insurance carriers to help its customers choose from a variety of programs that matches their needs. Additionally, the brokerage specializes in organization building, insurance marketing, and executive benefits planning. Its president and CEO, Jack Cole, is a Marine veteran who has been in the insurance industry since 1968.

License Verified:

License: 0C60262

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Heritage Capital Strategies logo
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License Verified:

License: 0E37635

California Department of Insurance

Heritage Capital Strategies

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2555 Townsgate Road, Westlake Village, CA 91361
  • Life Insurance

Business Description

Heritage Capital Strategies is an independent financial services firm that serves clients in Ventura. The Westlake Village-based firm is a member of the M Financial Group. It offers life insurance coverage for individuals, families, and business owners and supplemental retirement plans. It also provides professional financial advice and asset management services. Its founder and president, Robert C. Kulle Jr., has been in the financial industry since 1998. He is a former professional baseball player and has previously worked as a mathematics teacher.

License Verified:

License: 0E37635

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MJR Insurance Services LLC logo
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License Verified:

License: 0H23487

California Department of Insurance

MJR Insurance Services LLC

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5805 Sepulveda Boulevard, Ventura, CA 91411
  • Life Insurance
  • Individual Plans

Business Description

MJR Insurance Services, LLC, is a Sherman Oaks-based company that extends its services to the Ventura metro. It is an independent agency that provides insurance products and services to individuals and small businesses with five to 100 employees. The company helps clients acquire life insurance plans as well as long- and short-term disability insurance. MJR Insurance Services has been providing services for more than 20 years. Owner and CEO Michael Rinke has been in the insurance industry for more than 18 years.

License Verified:

License: 0H23487

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Roberto Garza logo
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License Verified:

License: 0681881

California Department of Insurance

Roberto Garza

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3445 Telegraph Road, Ventura, CA 93003
  • Life Insurance

Business Description

Roberto Garza is an insurance agent with State Farm, serving clients in Ventura since 1985. He offers a wide variety of insurance products and financial services to families, individuals, and businesses. His life insurance policies include term, universal, and whole. Risk management solutions for personal properties and articles, such as automobiles, homes, apartments, and jewelry, are available. He can assist with banking services to help with clients' financial goals. Garza's team is composed of English and Spanish-speaking staff.

License Verified:

License: 0681881

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (15)
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Venture Casualty logo
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License Verified:

License: 6003911

California Department of Insurance

Venture Casualty

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1567 Spinnaker Drive, Ventura, CA 93001
  • Life Insurance

Business Description

Based in Ventura, Venture Casualty is an independent insurance brokerage that has been in operation for more than a decade. It specializes in life insurance, which typically covers expenses such as lost income, home mortgage, and children’s college tuition. It also offers property insurance products including home insurance, renters insurance, landlord insurance, and construction insurance. Additionally, it provides auto, motorcycle, and boat insurance. CEO Ryan Krupka has been working in the insurance industry for more than 17 years.

License Verified:

License: 6003911

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Westoaks Insurance Services logo

License Verified:

License: 0498217

California Department of Insurance

Westoaks Insurance Services

PO Box 4026, Thousand Oaks, CA 91359
  • Life Insurance
  • Health Insurance

Business Description

Established in 1981, Westoaks Insurance Services is an independent agency that serves individuals, families, and businesses in Ventura and nearby areas. It provides an array of insurance coverage and solutions, including life, long-term care, health, and disability income plans. Additionally, it offers Medicare Supplement and travel medical insurance coverage. Westoaks Insurance Services works with different insurance carriers, such as Kaiser Permanente, Blue Shield of California, and Protective Life, to give its clients policies that suit their needs.

License Verified:

License: 0498217

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.