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Find Life Insurance Agents Near You in Capitola, CA

Browse life insurance agents serving Capitola, California. Updated 2026-07-14.

The top-rated life insurance agent in Capitola, California is AAA Capitola/Santa Cruz Branch, rated 4.6 stars across 456 reviews. Other highly rated options include Jill Judd - State Farm Insurance Agent, Coast Auto Insurance, JL Martin Insurance Agency. This directory lists 12 life insurance agents serving Capitola.

Showing 12 life insurance agents in Capitola, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA Capitola/Santa Cruz Branch4400 Capitola Rd #100(831) 824-9128
2Jill Judd - State Farm Insurance Agent820 Bay Ave #103(831) 462-1666
3Coast Auto Insurance4170 Gross Rd(831) 479-1990
4JL Martin Insurance Agency503A Capitola Ave(831) 462-0851
5Prime Health Insurance CA1906 41st Ave(310) 868-2080
6Donald R Hardy Insurance Agency500 Plum St(831) 475-4314
7Margarita Nicol - State Farm Insurance Agent2121 41st Ave STE 103(831) 475-1991
8CalNonprofits Insurance Services1500 41st Ave #228(888) 427-5222
9Hal Judd - State Farm Insurance Agent820 Bay Ave #105(831) 462-9596
10Martini David J500 Plum St(831) 475-4314
AC
4400 Capitola Rd #100
AAA Capitola/Santa Cruz Branch
Life Insurance Agent · Capitola, CA

AAA Capitola/Santa Cruz Branch serves Santa Cruz County and the greater Monterey Bay region as a life insurance agent. It assists individuals and families in securing financial protection for their loved ones. The agency focuses on matching clients with appropriate coverage options tailored to local needs. It handles term life plans that provide coverage for a specified period and final expense insurance designed to cover end-of-life costs.

JJ
820 Bay Ave #103
Jill Judd - State Farm Insurance Agent
Life Insurance Agent · Capitola, CA

Jill Judd - State Farm Insurance Agent in Capitola, California, provides life insurance policies tailored to help individuals and families plan for their financial futures. Services include customized coverage options designed to protect loved ones and build cash value over time. The agency also offers support with policy management, including regular reviews and adjustments to meet changing needs. Clients can access assistance with claims and benefit updates. This agent services single-family homes, apartments, retail businesses, and restaurants throughout the local area.

CA
4170 Gross Rd
Coast Auto Insurance
Life Insurance Agent · Capitola, CA

Coast Auto Insurance specializes in life insurance services for residents of Capitola, California. It offers term, whole, and universal life policies to help individuals and families secure financial protection. Brokers guide clients through plan options, aiming to match coverage with income and household needs. This Life Insurance Agent assists with policy reviews and beneficiary designations. The business also helps local families address the specific financial concerns of transitioning a mortgage or supporting dependents after an unexpected loss later in life.

JM
503A Capitola Ave
JL Martin Insurance Agency
Life Insurance Agent · Capitola, CA

JL Martin Insurance Agency serves homeowners, business owners, and families in Capitola, California, offering life insurance policies that help protect loved ones and secure financial stability. The agency works with clients to assess their coverage needs and find suitable term or whole life options. Policy reviews and personalized consultations guide customers in making informed decisions about their future. The agency also provides life insurance services to residents in the neighboring community of Soquel and the greater Santa Cruz County area.

PH
1906 41st Ave
Prime Health Insurance CA
Life Insurance Agent · Capitola, CA

Serving Capitola and the surrounding Santa Cruz County communities, Prime Health Insurance CA handles individual and family life insurance policies designed to provide financial protection for beneficiaries. The agency works with clients to assess their long-term coverage needs, offering term and whole life options that suit various budgets. For a typical job, it begins with a thorough consultation to understand a client’s financial goals and then compares available policies to recommend a fitting plan.

DR
500 Plum St
Donald R Hardy Insurance Agency
Life Insurance Agent · Capitola, CA

Donald R Hardy Insurance Agency in Capitola, CA distinguishes between one-time policy purchases and ongoing coverage plans for life insurance. Unlike term life, which provides protection for a specified period, permanent policies can build cash value over time and remain in force for the insured’s entire life. The agency helps individuals assess their needs for either basic death benefit protection or more complex arrangements that include savings components. All policies are tailored to local residents, and service is available on an as-needed basis for consultations, adjustments, or claims support.

MN
2121 41st Ave STE 103
Margarita Nicol - State Farm Insurance Agent
Life Insurance Agent · Capitola, CA

Margarita Nicol - State Farm Insurance Agent in Capitola, CA offers life insurance services designed to provide financial protection for loved ones. The agency also assists clients with other insurance needs and related planning solutions common in the area. Its work focuses on helping individuals and families secure coverage that aligns with their long-term goals. As life circumstances change, such as during the arrival of a new baby or the start of retirement, the agency helps clients update their policies to address those evolving responsibilities.

CI
1500 41st Ave #228
CalNonprofits Insurance Services
Life Insurance Agent · Capitola, CA

As Capitola residents begin planning their coastal retirement or reassessing family protections for the coming year, CalNonprofits Insurance Services provides local guidance on life insurance options. The company serves clients in Santa Cruz County by explaining term, whole, and universal policies suited to different budgets and long-term needs. An agent meets with prospective clients to review financial goals, current coverage gaps, and health factors before recommending a specific plan. This process typically begins with a no-obligation phone consultation to gather basic information and schedule an in-person risk assessment.

HJ
820 Bay Ave #105
Hal Judd - State Farm Insurance Agent
Life Insurance Agent · Capitola, CA

Hal Judd - State Farm Insurance Agent in Capitola, California provides life insurance tailored to local residents, offering term and whole life policies to help families manage financial protection needs. Additional coverage options can address accident or disability concerns. The agency serves various commercial sectors, including offices, warehouses, and food service businesses seeking appropriate life insurance solutions for employees or owners.

MD
500 Plum St
Martini David J
Life Insurance Agent · Capitola, CA

Martini David J provides life insurance services to residents of Capitola and the surrounding communities. Commercial coverage is also available for local businesses seeking financial protection for their operations. As a life insurance agent, the focus is on helping individuals and business owners plan for long-term security. Policies are designed to meet specific needs through straightforward guidance. Appointments are scheduled as necessary, and clients can expect thorough follow-up and support between regular visits to address any changing requirements.

RE
820 Bay Ave Suite 230E
Real Estate & Insurance Services
Life Insurance Agent · Capitola, CA
(831) 334-2108
rocksellsbayareahomes.com
FF
2121 41st Ave STE 208
Flynn Financial and Insurance Services, Inc
Life Insurance Agent · Capitola, CA
(831) 475-0800

What Does a a Life Insurance Agent in Capitola Cost?

Life insurance costs in Capitola California vary by age health coverage amount and policy type. A healthy 30 year old might pay 25 to 50 dollars per month for a 20 year term policy with 500000 dollars in coverage. Rates increase with age and for those with health conditions. This is general information not insurance advice.

About life insurance agents in Capitola

Life insurance agents in Capitola California help residents choose policies that meet state requirements and personal needs. California law requires agents to hold a valid license from the California Department of Insurance. Local agents understand the unique needs of Santa Cruz County families and can guide you through term life whole life and universal life options.

Frequently Asked Questions

What license does a life insurance agent in Capitola need?

A life insurance agent in Capitola must hold a valid California life agent license from the California Department of Insurance. This license requires passing a state exam and completing continuing education every two years.

Do I need a medical exam for life insurance in Capitola?

Many policies require a medical exam but some no exam policies are available for lower coverage amounts. Your Capitola agent can explain which option fits your health history and budget.

How long does it take to get a life insurance policy in Capitola?

The process can take from a few days to several weeks depending on the policy type and your health. Term life policies with a medical exam typically take 2 to 6 weeks for approval in California.

Life Insurance Agents in Other California Cities

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