Expertise.com

2024

Last updated:

Best Life Insurance Companies in Ventura

Our Recommended Top 16

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 Ventura 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.

4608Reviewed

2771Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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)

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

Why choose this provider?

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

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

Why choose this provider?

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

Website
3445 Telegraph Road, Ventura, CA 93003
  • Life Insurance

Why choose this provider?

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

Website
3445 Telegraph Road, Ventura, CA 93003
  • Life Insurance

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
2140 Eastman Avenue, Ventura, CA 93003
  • Life Insurance

Why choose this provider?

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

Website
1567 Spinnaker Drive, Ventura, CA 93001
  • Life Insurance

Why choose this provider?

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

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

Why choose this provider?

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.
3.0
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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • What is the purpose of term life insurance in Ventura?

    In Ventura, term life insurance safeguards your family's financial stability in the event of your passing. It substitutes your earnings and guarantees that those reliant on you can sustain themselves if something were to happen to you. It offers protection for a defined duration, and it is viewed as a cost-effective option compared to whole life insurance since you only make payments for the period you actually need the coverage.

  • What are the repercussions of purchasing life insurance before undergoing surgery in Ventura?

    If you intend to secure life insurance before surgery in Ventura, anticipate higher premiums from insurance companies, given their consideration of your health for rate determination. Additionally, the process of acquiring life insurance before surgery can be inconvenient and tedious, involving a thorough medical examination and extensive paperwork needed for application approval.

  • Why should young adults consider purchasing life insurance in Ventura?

    As a young adult in Ventura, you should consider purchasing life insurance because of the following reasons:

    • Purchasing in your 20s would help secure lower rates.
    • Provide financial support for dependents upon your passing.
    • Cover funeral and burial expenses.
    • Settle your estate's debts, shielding your estate from creditors.
  • Who is eligible to initiate a life insurance policy on your behalf in Ventura?

    Only individuals who possess a valid "insurable interest" are eligible to acquire an insurance policy for your life in Ventura. This implies that someone not related to you cannot purchase a policy to insure your life. Typically, those with an insurable interest include immediate family members. A business partner or employer might also have an insurable interest in certain situations. Moreover, individuals who become your major creditors or institutions could hold an insurable interest.

  • What is the process for acquiring life insurance in Ventura?

    Obtaining life insurance in Ventura usually involves the following:

    • A physical exam and interview, including measurements, blood pressure, and blood and urine samples.
    • A phone interview to review your insurance and medical history, hobbies, and other health details.
    • Underwriting to assess your eligibility and set the optimal premium based on findings.
  • 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.

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