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2024

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Best Life Insurance Companies in Carlsbad, CA

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Carlsbad 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.

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2585 Pio Pico Drive, Carlsbad, CA 92008
WebsiteLicense: 0F06620

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
4.5 (6)
Facebook
5.0 (2)

Why choose this provider?

Brubaker & Associates is an insurance firm that works with leading insurance companies in serving the Carlsbad metro. It provides life insurance products that grant clients financial and income protection in the event of disability and death. Its team of insurance professionals has more than 80 years of combined experience. Its president, James Brubaker, founded the firm in 1991. He is a member of the Carlsbad Community Emergency Response Team and is active in the Carlsbad Chamber of Commerce.

  • Life Insurance

640 Grand Avenue, Carlsbad, CA 92008
WebsiteLicense: 0780527

Expertise.com Rating

Review Sources

Google
5.0 (12)
Yelp
5.0 (8)

Why choose this provider?

John Altenbern is a Farmers Insurance agent providing assistance to individuals, families, and small businesses in the Carlsbad area and surrounding areas. John, who has been living in Carlsbad for 25 years, offers individual insurance policies like term, whole, and universal life. Additionally, he provides personal and business insurance products including auto, home, renters', property, recreational, and condo. John has over 27 years of experience as a Farmers Insurance agent. He is also licensed in Nevada.

  • Life Insurance
  • Health Insurance

640 Grand Avenue, Carlsbad, CA 92008
WebsiteLicense: 0780527

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Altenbern Insurance Agency has been providing life insurance options to its Carlsbad clients for the past 30 years. The service provider is equipped to process the common life packages such as term and permanent insurance. Term life insurance provides beneficiaries financial protection for a specific period of time. It can cover children's education funds and mortgages. On the other hand, permanent insurance provides lifelong financial stability to policyholders' beneficiaries. Altenbern Insurance Agency is committed to addressing the insurance needs of its clients.

  • Life Insurance
  • Health Insurance

207 North Ditmar Street, Oceanside, CA 92054
WebsiteLicense: 0H31753

Expertise.com Rating

Review Sources

Google
4.9 (14)
Yelp
4.0 (4)

Why choose this provider?

Gateway Insurance Agency, Inc., is an independent agency providing insurance services to individuals in the Carlsbad area. The agency offers different types of life insurance products, such as whole life, term life, and universal life. Its life insurance policies help the clients' beneficiaries by granting income that can be used to pay for debt, tuition, funeral expenses, and estate taxes. Gateway Insurance Agency was founded in 1990. Its agents, Paul and Paula, have more than 35 years of combined industry experience.

  • Life Insurance

2710 Loker Avenue West, Carlsbad, CA 92010
WebsiteLicense: 0H15545

Expertise.com Rating

Review Sources

Google
4.0 (3)

Why choose this provider?

Ryan Waggener is a second-generation State Farm insurance agent who has been with the company since 2017, serving individuals, families, and businesses in Carlsbad. He has helped clients find life insurance policies that take care of their families' needs after death, such as funeral expenses, debt repayment, and daily living costs. The most common life insurance plans he assists with are term life, whole life, and permanent life insurance. Additionally, Waggener also offers other types of insurance coverage for homes, auto, and health.

  • Life Insurance
  • Health Insurance

2945 Harding Street, Carlsbad, CA 92008
Website

Expertise.com Rating

Why choose this provider?

Forsyth & Associates Insurance Agency is an independent insurance company that serves individuals and businesses in the community of Carlsbad and its surrounding areas. It offers a wide range of insurance products that include life, homeowners', long-term care, commercial liability, and group and individual health insurance. Its owners, Jo-Ann and Gene, are both life insurance agents with a combined industry experience of more than 50 years. They also help their clients acquire recreational vehicle, boat, and mobile home insurance.

  • Life Insurance
  • Health Insurance

1902 Wright Place, Carlsbad, CA 92008
WebsiteLicense: 0B92998

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Unlimited Benefits is an insurance company helping individuals, families, and businesses in Carlsbad get the right life insurance for themselves. Its life insurance covers term, whole, and universal life, as well as accidental death benefits. It also offers insurance solutions for clients who want their cars and homes insured. The agency also assists businesses with compliance and HR consultation, benefit and cost analysis, and benefits communication. Some of its partners are Aetna, Humana, and National General Insurance.

  • Life Insurance
  • Health Insurance

2318 Pio Pico Drive, Carlsbad, CA 92008
WebsiteLicense: 0654812

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (2)

Why choose this provider?

Based in Carlsbad, Dave Miller Insurance assists clients who want to purchase a life insurance plan in the metro. Its team of insurance agents helps clients work through major life changes by finding an insurance policy that continuously meets their coverage needs. Vehicle insurance, business insurance, and property insurance are also available to clients with other insurance preferences. Dave Miller Insurance is an independent agency that has been serving commercial and residential clients since 2004.

  • Life Insurance

2768 Loker Avenue West, Carlsbad, CA 92010
WebsiteLicense: 0B43052

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

For over 20 years, Health & Insurance Services has been providing insurance products for individuals and groups in North County, San Diego, Orange County, and Riverside County. Headquartered in Carlsbad, the company offers individual and family health, group health, dental, Medicare Supplement, Medicare Part B and D, and life insurance policies. The business also offers long-term care, critical care, and disability insurance solutions. Health & Insurance Services is an independent agency that represents multiple insurance carriers, like Blue Shield of CA, United HealthCare, and Anthem Blue Cross.

  • Life Insurance
  • Health Insurance
  • Long Term Care

688 Laguna Drive, Carlsbad, CA 92008
WebsiteLicense: 0F69799

Why choose this provider?

Hahn Insurance Services is an independent insurance agency that has been delivering insurance package solutions for individuals and businesses in Carlsbad and the nearby areas for more than 30 years. The agency's owner, Chuck Hahn, assists and educates clients about the long-term benefits of life insurance. Hahn and his team of insurance agents offer life insurance policies with CAP earning rates and long-term care benefits. They also provide health, dental, and Medicare and senior insurance plans.

  • Life Insurance
  • Health Insurance
  • Long Term Care

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Brubaker & Associates
2585 Pio Pico Drive, Carlsbad, CA 92008
John Altenbern
640 Grand Avenue, Carlsbad, CA 92008
Altenbern Insurance Agency
640 Grand Avenue, Carlsbad, CA 92008
Gateway Insurance Agency, Inc.
207 North Ditmar Street, Oceanside, CA 92054
Ryan Waggener
2710 Loker Avenue West, Carlsbad, CA 92010
Forsyth & Associates Insurance Agency
2945 Harding Street, Carlsbad, CA 92008
Unlimited Benefits
1902 Wright Place, Carlsbad, CA 92008
Dave Miller Insurance
2318 Pio Pico Drive, Carlsbad, CA 92008
Health & Insurance Services
2768 Loker Avenue West, Carlsbad, CA 92010
Hahn Insurance Services
688 Laguna Drive, Carlsbad, CA 92008

Carlsbad, CA Life Insurance FAQs

  • In general, what happens to unclaimed insurance benefits in Carlsbad?

    California's Unclaimed Property Law mandates that insurance companies give the money to the State Controller's Office. This should be done if the client has not been in contact or had no activity in the account for three years. Consumers in Carlsbad can use the Life Insurance Settlement Property Search tool on the website of the controller's office or call the office at 800-992-4647 for additional guidance on this matter.

  • How can life insurance benefit someone in Carlsbad?

    Life insurance offers financial advantages to the policyholder's designated beneficiaries in Carlsbad upon their demise. These funds can pay medical costs not covered under health insurance and death expenses such as cremation or funeral bills. They can also replace income, settle debt, donate to charity, or payment of estate taxes.

  • Will health changes affect your life insurance policy in Carlsbad?

    It depends. You can lower your premiums if you stop smoking or change your hazardous job in Carlsbad. Some life insurance offers benefits if you get disabled, and one of these benefits is a waiver of premiums. Changes to your health can have fewer effects if you have guaranteed life or employer-based group insurance because these types do not require medical exams.

  • How does an authorized person obtain a certified copy of a death certificate in Carlsbad?

    The authorized person in Carlsbad must complete the form, Application for Certified Copy of Death Record. They need to complete the Sworn Statement form and have it notarized. In addition, they have to include a completed Certificate of Acknowledgement. Documents can be submitted by mail to the address: County of San Diego Vital Records P.O. Box 429001 San Diego, CA 92142 For more information on this process, call the Office of Vital Records at 619-692-5733.

  • If the insured in Carlsbad does not die within the period selected for the coverage, what happens to the term life insurance policy?

    The insured in Carlsbad will not receive benefits if they live past the end of the term life insurance. This type of insurance only provides death benefits within the term selected, usually for five to ten years or up to a certain age. However, some of these policies can be converted to cash value insurance but only up to a certain age. With cash value insurance, a portion of the premiums can be withdrawn by the insured when the time comes.

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