About Our Life Insurance Work in Santa Barbara
We help people sort out life insurance without the sales pitch. You tell us who depends on you and what you can afford each month. We lay out the options in plain words, answer every question and leave the choice with you.
A Small Outfit That Works Like a Neighbor
We are a local life insurance business. Our work is simple to describe. We help you figure out how much coverage makes sense, which type of policy fits and what it will cost. Then we help you through the application.
We live and work in this area, so we only give advice we would stand behind if we ran into you next week. Nothing gets suggested until we have heard you out. We ask about your debts, your income, your kids, your mortgage and any coverage you already have through work. A policy that looks good on paper but strains your budget is not a good policy, and we will not push one.
Most people only buy life insurance a few times in their lives. The forms and the fine print are new to you, and that is normal. So we slow down. We explain terms like beneficiary, rider and cash value, and we make sure you know what you are signing before anything is final.
How We Work With You
First question: what is the money for
We begin by asking what job the policy has to do. Clearing a mortgage. Covering a paycheck until the kids are out of school. Paying for a funeral. Your answer steers us toward term life, whole life or something between the two.
Options side by side
We show you more than one way to get there, with the monthly cost and how long each policy lasts. You see what changes when the coverage amount goes up or down.
No pressure to decide today
Take the numbers with you, talk them over and sleep on it. If the right answer is a smaller policy, or keeping what you already have, we will tell you so.
Still here after the policy starts
Life changes. You marry, have a child, sell a business or retire. Give us a call and we will check whether your beneficiaries and coverage still fit.
Where We Work
We work with clients across Santa Barbara and the communities around it, including Goleta, the Eastern Goleta Valley, Montecito, Carpinteria and Isla Vista. We also talk with faculty, staff and families connected to the University of California-Santa Barbara. We are glad to sit down with you at your place of business, or we can cover everything over the phone if that suits your schedule better.
Our services include term life insurance, whole life insurance, universal life insurance, final expense insurance, mortgage protection insurance and retirement income planning. If you are not sure which one you need, that is a fine place to start the conversation.
- Santa Barbara
- Eastern Goleta Valley
- Montecito
- Goleta
- Isla Vista
- University of California-Santa Barbara
- Carpinteria
Tell Us Who You Want to Protect
Share a little about your family and your budget. We will walk you through your choices and help you get your quote by phone.