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Find Final Expense Insurance Agents Near You in Carlsbad, CA

Browse final expense insurance agents serving Carlsbad, California. Updated 2026-07-14.

The top-rated final expense insurance agent in Carlsbad, California is Ryan Waggener - State Farm Insurance Agent, rated 5.0 stars across 373 reviews. Other highly rated options include Luke Dix - State Farm Insurance Agent, Hayek Insurance, The Insurance Place. This directory lists 23 final expense insurance agents serving Carlsbad.

Showing 23 final expense insurance agents in Carlsbad, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ryan Waggener - State Farm Insurance Agent2710 Loker Ave W Suite 210(760) 814-2480
2Luke Dix - State Farm Insurance Agent1901 Camino Vida Roble STE 115(760) 754-2636
3Hayek Insurance2777 Jefferson St Suite 203-D(800) 860-8835
4The Insurance Place2111 Palomar Airport Rd # 322(760) 643-2100
5Hugh Kollar - State Farm Insurance Agent2979 State St # C(760) 730-9110
6Alta Vista Insurance Agency2585 Pio Pico Dr Suite 100(844) 629-1500
7Ken May Insurance Services3146 Tiger Run Ct #114(760) 893-8055
8JP Hayes Insurance Agency3129 Tiger Run Ct Ste 201(760) 935-3429
9Callie Jones - State Farm Insurance Agent6994 El Camino Real #211(858) 587-6042
10Benefits by Design Insurance Services1902 Wright Pl 2nd Floor(760) 696-3573
RW
2710 Loker Ave W Suite 210
Ryan Waggener - State Farm Insurance Agent
Final Expense Insurance Agent · Carlsbad, CA

Ryan Waggener - State Farm Insurance Agent serves Carlsbad and the surrounding San Diego County communities with final expense insurance services. The agency assists local residents in planning for end-of-life costs to ease financial burdens on loved ones. These policies typically cover funeral expenses, outstanding debts, and other final obligations. The team works with individuals to find suitable coverage amounts that fit their budgets and needs. Final expense planning is a key focus, along with whole life insurance options for comprehensive protection.

LD
1901 Camino Vida Roble STE 115
Luke Dix - State Farm Insurance Agent
Final Expense Insurance Agent · Carlsbad, CA

Luke Dix - State Farm Insurance Agent in Carlsbad, CA, offers final expense insurance to help clients cover end-of-life costs. The agency provides policy options that can be tailored to individual needs, along with ongoing support for any questions or adjustments. Services focus on securing coverage for funeral expenses, outstanding debts, and other final arrangements. The agent serves local residents with properties including single-family homes, apartments, and retail store condominiums.

HI
2777 Jefferson St Suite 203-D
Hayek Insurance
Final Expense Insurance Agent · Carlsbad, CA

Hayek Insurance serves seniors and families in Carlsbad, California who are planning for their own final expenses or those of a loved one. As a final expense insurance agent, the company offers guidance on life insurance policies specifically designed to cover funeral costs, burial services, and related end-of-life debts. The agent helps local clients compare coverage options and navigate the application process. In addition to serving Carlsbad residents, Hayek Insurance also assists customers throughout the neighboring coastal communities of Oceanside and Encinitas.

IP
2111 Palomar Airport Rd # 322
The Insurance Place
Final Expense Insurance Agent · Carlsbad, CA

The Insurance Place serves Carlsbad, California, and the surrounding coastal communities of San Diego County. It handles final expense insurance, which typically covers funeral costs, outstanding medical bills, and related end-of-life expenses for seniors. The agency’s general approach involves meeting with clients in person or by phone to explain policy details, compare benefit amounts, and help choose a straightforward, affordable plan tailored to each individual’s budget and family needs.

HK
2979 State St # C
Hugh Kollar - State Farm Insurance Agent
Final Expense Insurance Agent · Carlsbad, CA

Hugh Kollar - State Farm Insurance Agent in Carlsbad, CA, distinguishes between final expense policies structured as a one-time lump-sum benefit and recurring coverage options that provide ongoing support for end-of-life costs. These plans are designed to cover funeral arrangements, medical bills, and other outstanding expenses survivors may face. Service for new enrollments and existing policy reviews runs on an as-needed basis, allowing clients to schedule appointments according to their personal timeline and immediate planning requirements.

AV
2585 Pio Pico Dr Suite 100
Alta Vista Insurance Agency
Final Expense Insurance Agent · Carlsbad, CA

Alta Vista Insurance Agency specializes in final expense insurance policies, helping Carlsbad residents plan for end-of-life costs. The agency guides clients through selecting burial and funeral coverage that fits their personal needs. Families often work with this local agent to ensure their final arrangements are preplanned, reducing financial burdens. This service can be particularly useful for those reviewing their estate plans near retirement or after the passing of a spouse.

KM
3146 Tiger Run Ct #114
Ken May Insurance Services
Final Expense Insurance Agent · Carlsbad, CA

Many Carlsbad residents begin considering final expense insurance as they review their estate plans during the spring season. Ken May Insurance Services helps local families navigate this specific form of coverage, designed to manage burial costs and outstanding medical bills without burdening loved ones. The company works closely with each client to clarify policy options and secure an affordable monthly premium. An initial complimentary consultation is scheduled at a convenient time for the individual seeking coverage, allowing a thorough review of their existing arrangements.

JH
3129 Tiger Run Ct Ste 201
JP Hayes Insurance Agency
Final Expense Insurance Agent · Carlsbad, CA

JP Hayes Insurance Agency helps individuals and families in the Carlsbad, California area address their long-term financial planning needs. The company specializes specifically in final expense insurance, which covers funeral costs and other end-of-life obligations. This focused service ensures loved ones are not burdened with these expenses during a difficult time. In addition to its core work, the agency can also serve the insurance needs of local commercial sectors, including small offices, warehouses, and food service operations.

CJ
6994 El Camino Real #211
Callie Jones - State Farm Insurance Agent
Final Expense Insurance Agent · Carlsbad, CA

Callie Jones - State Farm Insurance Agent serves clients in Carlsbad, CA, offering funeral and burial expense coverage designed to help with end-of-life costs. The agency focuses on final expense policies for local residents, ensuring policyholders have a plan in place for their families. Commercial lines are also available for small businesses needing liability or property protection within the area. The office assists with policy questions and beneficiary updates, providing follow-up service between regular visits to keep coverage aligned with changing needs.

BB
1902 Wright Pl 2nd Floor
Benefits by Design Insurance Services
Final Expense Insurance Agent · Carlsbad, CA

Benefits by Design Insurance Services in Carlsbad, CA, is known for helping clients navigate final expense insurance policies to cover end-of-life costs. It serves local residents seeking straightforward burial and funeral planning protection. The agency guides individuals through policy options that fit modest budgets and personal needs. An additional service it offers includes assistance with living benefits riders on qualifying policies.

AI
640 Grand Ave ste h
Altenbern Insurance agency
Final Expense Insurance Agent · Carlsbad, CA
(760) 434-0350
johnfarmers.com
PE
1938 Kellogg Ave
Pacific Edge Insurance
Final Expense Insurance Agent · Carlsbad, CA
(760) 547-2622
pacificedgeinsurance.com
GI
6994 El Camino Real UNIT 209
Goosehead Insurance - Jeff Fitch
Final Expense Insurance Agent · Carlsbad, CA
(760) 284-8736
goosehead.com/agents/ca/carlsbad/jeff-fitch
SI
2173 Salk Ave Suite 250 #42
ServicePro Insurance Solutions
Final Expense Insurance Agent · Carlsbad, CA
(760) 965-7675
serviceproinsurance.com
AB
325 Carlsbad Village Dr G2
Advanced Brokers Insurance Services
Final Expense Insurance Agent · Carlsbad, CA
(858) 436-7999
advancedbrokersinc.com
CI
5355 Avenida Encinas suite 208b
Consumer Insurance Services Inc
Final Expense Insurance Agent · Carlsbad, CA
(760) 434-5050
consumerinsuranceservicesinc.com
HI
1525 Faraday Ave #150
HUB International
Final Expense Insurance Agent · Carlsbad, CA
(760) 804-0402
hubinternational.com/offices/us/california/carlsbad
SF
2032 Corte Del Nogal #100
Seaside Financial & Insurance Services
Final Expense Insurance Agent · Carlsbad, CA
(760) 433-4632
seasideadvisory.com
EI
2712 Loker Ave W #1133
Empire Insurance Brokers
Final Expense Insurance Agent · Carlsbad, CA
(760) 814-8304
eibnow.com/contact/carlsbad-ca-insurance
CG
2413 Lapis Rd
Carlsbad General Insurance Agency LLC
Final Expense Insurance Agent · Carlsbad, CA
(760) 444-2662
carlsbadgeneralinsurance.com
MI
6965 El Camino Real # 105-515
McKinzie Insurance Agency, Inc.
Final Expense Insurance Agent · Carlsbad, CA
(760) 602-9275
mckinzieins.com
PN
2604B El Camino Real #332
Pacific National Insurance
Final Expense Insurance Agent · Carlsbad, CA
(858) 210-6448
pacnatins.com
HI
5855 Avenida Encinas Suite 145
HUB International
Final Expense Insurance Agent · Carlsbad, CA
(858) 332-2220
hubinternational.com/offices/us/california/carlsbad-avenida-encinas

What Does a a Final Expense Insurance Agent in Carlsbad Cost?

In California, final expense insurance premiums typically range from 30 to 150 dollars per month, depending on age, health, and coverage amount. For a 65 year old non-smoker, a 10,000 dollar policy may cost around 50 to 70 dollars monthly. Rates are guaranteed to never increase under California law. This is general information, not insurance advice.

About final expense insurance agents in Carlsbad

Final expense insurance agents in Carlsbad, California help residents secure coverage for funeral and burial costs. Under California Insurance Code Section 101, policies must include a free look period of at least 30 days. Agents can explain how these plans work with local funeral homes in San Diego County.

Frequently Asked Questions

What is a final expense insurance policy in California?

A final expense policy is a small whole life insurance plan designed to cover funeral and burial costs. In California, these policies typically have face values between 5,000 and 25,000 dollars. They do not require a medical exam and are available to seniors up to age 85.

How do California laws affect final expense insurance?

California Insurance Code Section 10110 requires insurers to provide a 30 day free look period for final expense policies. This means you can cancel the policy within 30 days for a full refund. Agents must also follow strict disclosure rules about policy terms and premiums.

Can I use a final expense policy with any funeral home in Carlsbad?

Yes, final expense insurance pays a cash benefit directly to your beneficiary, who can use the funds at any funeral home in Carlsbad or elsewhere. There are no restrictions on which provider you choose. The policy does not require you to pre-arrange services with a specific funeral home.

Final Expense Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.