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2024

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Best Life Insurance Companies in Santa Maria, CA

Our Recommended Top 11

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 Santa Maria 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.

4665Reviewed

2803Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

123 East Fesler Street, Santa Maria, CA 93454
WebsiteLicense: 0B80262

Expertise.com Rating

Review Sources

Google
4.0 (12)
Yelp
5.0 (4)

Why choose this provider?

California Heritage Insurance Services has been providing life insurance to individuals, families, and businesses in Santa Maria and nearby areas since 1982. The firm also offers other services such as truck, engineering, general liability, homeowners', and non-standard car insurance. The firm works with various insurance providers to present the best policy options to its clients. In 2012, the firm merged with Del Paso Insurance Services and JS Hall Insurance Services and began operating as one insurance company.

  • Life Insurance
  • Health Insurance

122 North 16th Street, Grover Beach, CA 93433
WebsiteLicense: 0M72038

Expertise.com Rating

Review Sources

Google
4.9 (12)

Why choose this provider?

Hogge Insurance Services Inc. has been catering to the needs of individuals, families, and businesses in Santa Maria and nearby areas since 1999. The agency specializes in helping clients find the right life insurance coverage for their needs and budgets through multiple insurance companies, such as Prudential, John Hancock, and Genworth. It also provides coverage for homes, cars, and businesses. Hogge Insurance Services is committed to protecting its Central Coast neighbors wherever life takes them.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

110 South Lincoln Street, Santa Maria, CA 93458
WebsiteLicense: 0M22175

Expertise.com Rating

Review Sources

Google
4.0 (25)

Why choose this provider?

Premier Blue Insurance is an independent insurance agency that serves the residents of Santa Maria and the surrounding areas. It offers a wide variety of life insurance products, which includes term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. Other personal insurance products that it offers include home insurance, renters' insurance, auto insurance, and motorcycle insurance. In addition, Premier Blue Insurance also provides business insurance, general liability insurance, and property insurance.

  • Life Insurance

277 West Tefft Street, Nipomo, CA 93444
WebsiteLicense: 0F43513

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
3.0 (3)

Why choose this provider?

Dale Lane is an insurance agent who provides life insurance plans to individuals and businesses in Santa Maria and the surrounding areas. His life insurance options include term life, whole life, and universal life. He also offers homeowners' insurance, renters' insurance, auto insurance, and health insurance. Dale Lane leads a team of insurance professionals through State Farm. He is an ambassador for the Nipomo Chamber of Commerce and volunteers for Nipomo Little League and AYSO.

  • Life Insurance
  • Health Insurance

1525 East Main Street, Santa Maria, CA 93454
WebsiteLicense: 0E52073

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Tolman & Wiker is an independent insurance brokerage offering varied products to Santa Maria and its nearby areas. With origins dating back to 1923, this brokerage has been helping individuals secure their futures through comprehensive life insurance policies. Its personal risk solutions include health, home, auto, RV, private collections, and disability insurance. It also offers multiple business insurance options. Additionally, Tolman & Wiker partners with multiple carriers to provide varied insurance products that fit its clients' current and long-term needs.

  • Life Insurance
  • Health Insurance
  • Individual Plans

874 West Grand Avenue, Grover Beach, CA 93433
WebsiteLicense: 0754752

Expertise.com Rating

Why choose this provider?

Arnoldussen & Associates is an independent insurance agency providing individuals, families, and business ventures in Santa Maria options for their insurance needs. For more than 40 years, it has been representing insurance providers, such as Mercury, Safeco, and Alliance United, to deliver personalized plans. The agency offers life insurance policies with term, permanent, whole, and universal life insurance options, as well as the return of premium term life. Other available types of insurance include homeowners, auto, business, and property policies.

  • Life Insurance

800 South Broadway, Santa Maria, CA 93454
WebsiteLicense: 0K62484

Expertise.com Rating

Review Sources

Google
4.0 (61)
Yelp
4.0 (4)

Why choose this provider?

Allstate Santa Maria Insurance Agency, Inc. is an independent insurance agency that provides insurance services to residents and businesses in Santa Maria and the surrounding communities. They work with multiple carriers that offer a variety of insurance packages. It carries life insurance plans that include universal life insurance, whole life insurance, term life insurance, and variable universal life insurance. It also offers business insurance packages. Cindy Longstreth, with more than 30 years of experience in the industry, is the agency president.

  • Life Insurance

801 South Broadway, Santa Maria, CA 93454
WebsiteLicense: 0L48767

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Cravello is an insurance agency located in Santa Maria. The company provides various insurance solutions, including life insurance, health insurance, and dental and vision plans. The company also offers Medicare Supplement plans for its senior clients. Founded by Tony Cravello, Jr., the company is now run by the husband-and-wife team of Tony Jr. and Anne. Tony has a background in marketing and PR and also served as a Recon Marine. Anne worked in law before starting her insurance career.

  • Life Insurance

1650 South Broadway, Santa Maria, CA 93454
WebsiteLicense: 0746630

Expertise.com Rating

Review Sources

Google
4.0 (51)
Facebook
5.0 (22)
Yelp
4.0 (8)

Why choose this provider?

Donna Randolph is a State Farm insurance agent for 14 years, catering to clients in Santa Maria. She offers term, whole, and universal life insurance products as well as coverage for automobiles, homes, and pets. Business insurance is available. Additionally, her team can assist with personalized financial services for annuities, mutual funds, and other banking products. Randolph has been part of State Farm for over 36 years. Her agency is composed of English-speaking and Spanish-speaking staff.

  • Life Insurance
  • Health Insurance

526 Paulding Circle, Arroyo Grande, CA 93420
WebsiteLicense: 0K10257

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Ashlyn Silva is a State Farm insurance agent who provides life, business, and auto insurance coverage and proper liability protection plans to individuals, families, and small business owners in Santa Maria and its surrounding areas. Her life insurance plans include term, whole, and universal life. In addition, she handles other insurance policies that cover health, property, and pet. Ashlyn has been in the insurance industry for six years and started at State Farm when she was just 21 years old.

  • Life Insurance
  • Health Insurance

830 West Main, Santa Maria, CA 93458
WebsiteLicense: 0G78197

Expertise.com Rating

Review Sources

Google
4.0 (24)
Facebook
4.6 (15)
Yelp
4.5 (6)

Why choose this provider?

Eagle Service Insurance is an independent broker in Santa Maria. It provides life insurance products that secure family members and estates, ensure permanent protection, and give way to tax-deferred funds and other benefits. The agency also has coverages for homes, recreational vehicles, businesses, and special events. Additionally, it offers Mexican auto insurance policies and related services. Eagle Service Insurance started as an Allstate agent in 1999. It now works with providers like Kemper, Nationwide, and Progressive. Its staff can communicate in Spanish.

  • Life Insurance
  • Individual Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
California Heritage
123 East Fesler Street, Santa Maria, CA 93454
Hogge Insurance Services Inc.
122 North 16th Street, Grover Beach, CA 93433
Premier Blue Insurance
110 South Lincoln Street, Santa Maria, CA 93458
Dale Lane
277 West Tefft Street, Nipomo, CA 93444
Tolman Wiker
1525 East Main Street, Santa Maria, CA 93454
Arnoldussen & Associates
874 West Grand Avenue, Grover Beach, CA 93433
Santa Maria Insurance
800 South Broadway, Santa Maria, CA 93454
Cravello
801 South Broadway, Santa Maria, CA 93454
Donna Randolph
1650 South Broadway, Santa Maria, CA 93454
Ashlyn Silva
526 Paulding Circle, Arroyo Grande, CA 93420
Eagle Service Insurance
830 West Main, Santa Maria, CA 93458

FAQs

  • What can you anticipate after your life insurance phone interview in Santa Maria?

    Following your Santa Maria life insurance phone interview, you may anticipate that the insurance provider will examine the data gathered and evaluate your application. Be ready for any follow-up calls or emails as the insurer could need to clarify some details of your application or ask for more information. Additionally, based on their assessment, they might ask you for more medical underwriting.

  • If you formerly used drugs and have quit it, can you still obtain life insurance in Santa Maria?

    In Santa Maria, you can still get life insurance if you've used drugs in the past, but you already quit doing it. However, you should be aware that the insurer's choice of whether to offer you coverage or not, as well as the price of your premium, will depend on how long it has been since you stopped using drugs and your general health and lifestyle.

  • Can domestic partners acquire joint life insurance in Santa Maria?

    It is legal for domestic partners to purchase joint life insurance in Santa Maria. However, because domestic partners are not legally married, the insurance company may require additional information from them during the underwriting process, like evidence of shared dependents and expenses, to demonstrate their relationship. Domestic partners should consider getting separate life insurance policies if denied a combined joint life insurance policy.

  • What does "liquidity" mean in a Santa Maria life insurance policy?

    The term "liquidity" in Santa Maria life insurance relates to how simple it would be for you to withdraw money from your policy. The ability to access funds while you are still alive makes a whole life insurance policy more liquid. A liquid asset is any life insurance plan that has a cash value, including all types of whole life plans, as well as universal and final expense policies.

  • Is there a minimum number of contingent beneficiaries you must name on your Santa Maria life insurance policy?

    No, you are not required to include a specific number of contingent beneficiaries in your life insurance policy in Santa Maria. You can decide how many contingent beneficiaries to include in your policy and specify the percentage or payout that each will get. Keep in mind that dependent beneficiaries are only paid out if all primary beneficiaries are positively identified as deceased.

  • 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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