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2024

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Best Life Insurance Companies in Oceanside, CA

Our Recommended Top 8

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 Oceanside 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.

7788Reviewed

4676Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1020 South Santa Fe Avenue, Vista, CA 92084
WebsiteLicense: 0561903

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
4.0 (20)
Yelp
4.0 (12)

Why choose this provider?

Alta Vista Insurance Agency is an independent company that provides risk management solutions for Oceanside residents. Included in its line of products is life insurance which involves term life and permanent life. The former provides coverage for a specific amount of time while the latter increases cash value with time. In addition to life insurance, its team of agents can furnish health, dental, home, and auto insurance policies. Alta Vista Insurance Agency has been in operation since 1926.

  • Life Insurance
  • Health Insurance

29379 Rancho California Road, Suite 101, Temecula, CA 92591
WebsiteLicense: 0G33279

Expertise.com Rating

Why choose this provider?

Serving the Oceanside area, Keck Insurance helps clients secure their family's future by offering individual life insurance plans. It offers three types of life insurance policies including term life insurance, universal life insurance, and whole life insurance. It works with several insurance companies to help clients find the right coverage plan for their family's needs. It also offers various types of home insurance plans for condominiums, rental properties, and mobile homes. Additionally, Keck Insurance also offers auto and business insurance.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

5120 Avenida Encinas, Carlsbad, CA 92008
WebsiteLicense: 0436858

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

KingBenefits Insurance Solutions is founded by Bill King, who has been an insurance broker for more than 40 years. Serving Oceanside and its surrounding areas, he and his team work with different insurance providers such as Principal, Aetna, Aflac, CaliforniaChoice, and MetLife. The firm offers a wide range of personal life insurance products, ranging from term-life to universal insurance. KingBenefits Insurance Solutions also has different insurance plans for businesses, which cover medical, vision, dental, disability, and workers' compensation.

  • Life Insurance
  • Health Insurance

24910 Las Brisas Road, Murrieta, CA 92562
WebsiteLicense: 0D06577

Expertise.com Rating

Review Sources

Google
5.0 (277)
Yelp
5.0 (21)

Why choose this provider?

Stromsoe Insurance Agency is a local and independent insurance firm that provides personal and commercial insurance to the area of Oceanside. Mike Stromsoe began his insurance career in 1986 and now leads the company. On behalf of their clients, it can compare current coverages in order to provide the best possible insurance deal. The personal packages it offers are life, automobile, motorcycle, and condo insurance. It also offers commercial auto, property, manufacturing, restaurant, and worker's compensation packages.

  • Life Insurance
  • Term Life Insurance

1365 West Vista Way, Vista, CA 92083
WebsiteLicense: 0E28846

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Tague Insurance Agency is an independently owned and locally operated agency that provides life insurance products for individuals and families in Oceanside and nearby communities. Insurance agents at this firm partner with reputable insurance companies, such as Safeco, First American Title, and Mercury Insurance. They offer life insurance plans to safeguard the policyholder and loved ones financially if a tragedy happens. The types of life insurance plans it covers include term, whole, and universal life insurance. Other products available are homeowners', auto, and business insurance.

  • Life Insurance
  • Health Insurance

38975 Sky Canyon Drive, Murrieta, CA 92563
WebsiteLicense: 0F79323

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Amante and Associates Insurance Solutions, Inc. offers life coverage options to clients in Oceanside. In addition to term and permanent life insurance policies, the agency also provides individual and family healthcare, long-term care, and vision or dental coverage. It also offers Medicare, Medicare supplements, and advantage and special-needs plans. Founded in 2007, Amante and Associates is a family-owned and operated agency that serves policies from over 30 providers. It has offices in Temecula, Murrieta, and Hemet and caters to communities in Nevada, Arizona, and Texas.

  • Life Insurance
  • Health Insurance
  • Long Term Care

6150 Yarrow Drive, Carlsbad, CA 92011
WebsiteLicense: 0F09658

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
4.0 (9)
Yelp
4.0 (5)

Why choose this provider?

Harding Insurance Agency is an independent company that assists residents in Oceanside. Included in its line of products are life, health, home, and business insurance. Its team of agents has access to policies from a number of providers, such as Bristol West Insurance Group and CSE Insurance Group. Harding Insurance Agency also provides risk management solutions for individuals and businesses in other states, including Ohio, Florida, and Texas. It is headed by Vince Harding, who has over three decades of experience.

  • Life Insurance
  • Health Insurance

27710 Jefferson Avenue, Temecula, CA 92590
WebsiteLicense: 0249673

Expertise.com Rating

Why choose this provider?

Serving Oceanside, Strachota Insurance Agency, Inc., is an independent agency providing a variety of insurance solutions to clients in the metro. It offers life and health insurance services for individuals such as child life insurance, individual life insurance, individual health insurance, long-term disability insurance, and long-term care insurance. The company also has business insurance options like commercial property insurance, business auto insurance, workers’ compensation insurance, and general liability insurance. Strachota Insurance Agency was established in 1931.

  • Life Insurance
  • Health Insurance
  • Long Term Care

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Alta Vista Insurance Agency
1020 South Santa Fe Avenue, Vista, CA 92084
Keck Insurance
29379 Rancho California Road, Suite 101, Temecula, CA 92591
Bill King
5120 Avenida Encinas, Carlsbad, CA 92008
Stromsoe Insurance Agency
24910 Las Brisas Road, Murrieta, CA 92562
Tague Insurance Agency
1365 West Vista Way, Vista, CA 92083
Amante and Associates Insurance Solutions, Inc.
38975 Sky Canyon Drive, Murrieta, CA 92563
Harding Insurance Agency
6150 Yarrow Drive, Carlsbad, CA 92011
Strachota Insurance Agency, Inc.
27710 Jefferson Avenue, Temecula, CA 92590

FAQs

  • How is the cash value growth of a permanent life insurance policy taxed for residents of Oceanside?

    The cash value growth of a permanent life insurance policy is not taxed until it is withdrawn. Oceanside residents can borrow against this value or withdraw funds for expenses such as college tuition or down payments on a home. It is only when they decide to withdraw that potential tax implications become apparent.

  • What happens when a life insurance policyholder in Oceanside dies?

    When an Oceanside life insurance policyholder dies, the named beneficiary or beneficiaries receive tax-free income. This money can be used for funeral expenses, debt repayment, tuition, estate taxes, or other financial obligations. If the deceased was a business owner or partner, the policy can help partners buy out the deceased's share, preventing the business from being forced to liquidate.

  • How can residents of Oceanside determine the correct amount of life insurance they need?

    Oceanside residents can determine the appropriate amount of life insurance based on the lifestyle they want for their dependents, taking into account current assets and future earnings. Striking a balance is critical; too much coverage may strain the budget, while too little may jeopardize their family's security. Individualizing the plan helps to avoid imbalances.

  • How does Cash Value Insurance work for policyholders in Oceanside?

    Cash Value Insurance provides death benefits as well as a cash value accumulation component to policyholders in Oceanside. They will pay higher premiums than they would for term insurance at first. The excess premium, which is not used for the death benefit, grows with interest in the policy. If the insured surrenders the policy before death, they may receive a cash value less any loans taken against the policy.

  • How do life insurance companies in Oceanside determine premiums?

    Premiums for life insurance in Oceanside are determined by the applicant's medical history, driving record, professional background, and family health history. Based on these assessments, insurers classify individuals into different risk levels, which affects the cost of the policy. In general, healthier and lower-risk applicants receive lower rates, whereas higher-risk individuals may pay more for their coverage.

  • 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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