Expertise.com Homepage
Expertise.com Homepage

2025

Last updated:

Best Life Insurance Companies in Vista, CA

Our Recommended Top 6

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 Vista 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.

4473Reviewed

2686Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Vista
5256 Mission Road, Bonsall, CA 92003
Visit WebsiteLicense: 0H05052

Expertise.com Rating

Why choose this provider?

Founded in 1999, Cyan Insurance Solutions is an independent insurance agency in Knoxville that caters to clients in and around Vista. It offers term life and permanent life insurance plans, which may be used to pay off mortgages or fund a college education when the policyholder passes on. The agency also handles long-term care insurance and annuities. Moreover, it provides health insurance, including Medicare Advantage and Medicare Supplement plans, to address acute, minor, and preventative healthcare needs of the client.

  • Life Insurance
  • Long Term Care

Best Life Insurance Companies Serving Vista
960 Postal Way, Vista, CA 92083
Visit WebsiteLicense: 0660668

Expertise.com Rating

Why choose this provider?

Since 1981, Dimirak has been offering insurance consulting services to clients in Vista. The firm guides clients through the process of choosing life insurance policies that fit their demands. It handles individual health plans, group medical options, disability coverages, and retirement planning. It provides insurance solutions for cyber attacks, loss of key people in businesses, professional liability, and malpractice. Its other small business insurance solutions include general liability, contactors' insurance, merchant processing, and immigration consulting. Phillip J. Rodriguez leads the firm.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Vista
1614 Calle Las Casas, Oceanside, CA 92056
Visit WebsiteLicense: 0H51864

Why choose this provider?

Point One Insurance is an insurance company that serves Vista and the surrounding communities. The business works with various insurance providers to ensure that clients can choose the right coverage that is suited to their needs. It offers both term and permanent life insurance policies. Moreover, Point One Insurance also provides dental, disability, health, travel, and vision insurance products. Patrick Chiles, the firm's representative, has been working in insurance and financial management for 10 years.

  • Term Life Insurance
  • Health Insurance
  • Whole Life Insurance

Best Life Insurance Companies Serving Vista
3548 Seagate Way, Oceanside, CA 92056
Visit WebsiteLicense: 0D35426

Expertise.com Rating

Review Sources

Google
4.9 (109)
Yelp
4.8 (12)

Why choose this provider?

Eric Opdahl is a State Farm agent serving families and individuals in the Vista metro. He and his team help clients address their insurance needs. They offer a range of life insurance policies that include universal, whole, and term life coverages. They also assist clients in changing their life insurance beneficiaries and policies. Additionally, Opdahl helps clients acquire other types of insurance, including health, vehicle, home and property, disability, and small business insurance. He has been an Oceanside resident for more than 25 years.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Vista
380 South Melrose Drive, Vista, CA 92081
Visit WebsiteLicense: 0H10169

Expertise.com Rating

Why choose this provider?

Douglas Capital Strategies is an insurance brokerage firm serving clients in Vista and the surrounding areas. It offers various insurance solutions to individuals, including life insurance, disability income protection, and long-term care insurance. In addition, the company helps secure businesses against financial burden by providing employee benefit programs and health and wellness plans, such as dental and vision insurance. An independent insurance agency, Douglas Capital Strategies has been serving the community for more than 20 years.

  • Health Insurance

Best Life Insurance Companies Serving Vista
197 Woodland Parkway, San Marcos, CA 92069
Visit WebsiteLicense: 0L37565

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

For more than 15 years, Just Us Insurance Services Inc. has been helping Vista residents with their policy and protection coverage. The team provides various solutions, including Medicare, health, life, auto, and home insurance policies. It partners with multiple insurance carriers, allowing its team to offer a selection of suitable proposals for clients to match their insurance needs. Aside from individuals and families, Just Us Insurance Services also assists self-employed customers, groups, and small businesses.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Cyan Insurance Solutions
5256 Mission Road, Bonsall, CA 92003
Dimirak
960 Postal Way, Vista, CA 92083
Point One Insurance
1614 Calle Las Casas, Oceanside, CA 92056
Eric Opdahl
3548 Seagate Way, Oceanside, CA 92056
Douglas Capital Strategies
380 South Melrose Drive, Vista, CA 92081
Just Us Insurance Services Inc.
197 Woodland Parkway, San Marcos, CA 92069

Vista, CA Life Insurance FAQs

  • If you can lower your previously high cholesterol levels after purchasing your life insurance policy in Vista, will your premium go down?

    You might be able to ask your life insurance provider in Vista to do another medical examination if you are able to lower your cholesterol levels. You can see a reduction in your premium if the exam's outcomes are good. Alternatively, you can submit an application to a different life insurance provider, get a fresh medical exam, and then replace your current policy.

  • Does putting skydiving on your life insurance application in Vista have any consequences?

    You might pay more for life insurance in Vista if you declare skydiving as a hobby. It can also lead to a straightforward refusal of coverage. Another reason for your coverage denial could be a health issue you have that may heighten your risk during skydiving. For instance, being diabetic or hypertensive while skydiving can make you a high-risk candidate for insurance.

  • What occurs if you falsify information on your tobacco use while applying for life insurance in Vista?

    You risk having your life insurance application in Vista rejected if you lie about your tobacco use. If you succeeded in obtaining life insurance, the insurer may deny your death benefit or reduce the payout amount if you passed away during the policy's contestability term and they learned of your lie concerning tobacco use.

  • How will your responses during the phone interview affect your life insurance in Vista?

    Your responses during your Vista life insurance phone interview will affect your costs and coverage. The insurer will assign you to one of several risk groups based on the information they have gathered during the interview. Some medical issues or high-risk behaviors may occasionally result in higher premiums or exclusions from insurance.

  • Is it possible to receive a life insurance quotation in Vista without a credit check?

    You may get a life insurance quotation in Vista without a credit check. Most insurers base their first estimations without a credit evaluation on variables, including lifestyle, health, age, and the desired coverage amount. Keep in mind that the insurance provider may carry out a more thorough underwriting procedure, which may involve a credit check if you decide to move through with a policy.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2025

Our top pick for the best life insurance company of 2025 is MassMutual, with its wide variety of policies and riders and exce...