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HomeLife Insurance AgentsCalifornia › Encinitas

Find Life Insurance Agents Near You in Encinitas, CA

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

The top-rated life insurance agent in Encinitas, California is Lisa Trapp - State Farm Insurance Agent, rated 5.0 stars across 157 reviews. Other highly rated options include Katie Beach Harlan - State Farm Insurance Agent, Jake Cesare - State Farm Insurance Agent, AAA Encinitas Insurance and Member Services. This directory lists 18 life insurance agents serving Encinitas.

Showing 18 life insurance agents in Encinitas, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lisa Trapp - State Farm Insurance Agent1458 Encinitas Blvd(760) 230-0231
2Katie Beach Harlan - State Farm Insurance Agent531 Encinitas Blvd STE 119(760) 753-4944
3Jake Cesare - State Farm Insurance Agent227 N El Camino Real Ste 206(760) 942-2277
4AAA Encinitas Insurance and Member Services499 N El Camino Real(760) 635-1020
5Schulte Insurance Agency1036 2nd St(760) 436-5015
6Nick Witzmann Insurance Agency330 Encinitas Blvd suite 202c(760) 487-2727
7CJT Insurance, Vehicle Registration, VIN Verification144 W D St Suite 109(760) 230-1125
8Farmers Insurance - Julie Haidao187 Calle Magdalena Suite 110(619) 401-1104
9CLS Insurance Services - Coastal Live Scan996 N Coast Hwy 101 Suite C(760) 230-1830
10Best Quote Insurance Services1103 Quail Gardens Ct(888) 536-1131
LT
1458 Encinitas Blvd
Lisa Trapp - State Farm Insurance Agent
Life Insurance Agent · Encinitas, CA

Lisa Trapp - State Farm Insurance Agent in Encinitas, CA provides a full range of life insurance services, including term, whole, and universal life policies. The agency offers ongoing policy reviews and plan adjustments to help clients align coverage with changing financial needs. It assists individuals and families in assessing their protection requirements during key life events. Regular account maintenance and beneficiary updates are also available to ensure policies remain current. This agent services single-family homes, apartments, retail establishments, and restaurants in the local area.

KB
531 Encinitas Blvd STE 119
Katie Beach Harlan - State Farm Insurance Agent
Life Insurance Agent · Encinitas, CA

Katie Beach Harlan - State Farm Insurance Agent serves homeowners, renters, and drivers in the Encinitas area who are seeking life insurance coverage. The office assists clients in evaluating term and whole life policies to help protect their families’ financial futures. Residents with dependents or outstanding debts can discuss coverage amounts that align with their personal planning goals. The agency also provides consultations for business owners looking to safeguard their operations. Alongside Encinitas, this agent covers neighboring communities such as Carlsbad and Leucadia.

JC
227 N El Camino Real Ste 206
Jake Cesare - State Farm Insurance Agent
Life Insurance Agent · Encinitas, CA

Serving Encinitas and the surrounding North County San Diego communities, Jake Cesare’s State Farm Insurance Agency handles personal life insurance coverage for local families and individuals. It helps clients evaluate term and permanent policy options to address income replacement, final expenses, and other financial obligations. The agency provides free, personalized consultations to review beneficiary designations and coverage amounts. It guides each client through the application process, from medical assessment to policy issuance, using a straightforward, needs-based approach to match coverage with long-term goals.

AE
499 N El Camino Real
AAA Encinitas Insurance and Member Services
Life Insurance Agent · Encinitas, CA

AAA Encinitas Insurance and Member Services serves the Encinitas area and the greater San Diego County region. As a life insurance agent, it provides individuals and families with policies designed to offer financial protection. Life insurance can help cover final expenses, support dependents, or maintain a household after a loss. This agent guides clients in understanding various policy types, including term and whole life options. It handles policy enrollment and ongoing service to address changing coverage needs for local residents.

SI
1036 2nd St
Schulte Insurance Agency
Life Insurance Agent · Encinitas, CA

Schulte Insurance Agency in Encinitas, CA offers both one-time term life policies and recurring permanent life insurance solutions for local residents. These coverage options are tailored to provide financial protection for families and individuals across different life stages. The agency works on an as-needed basis, allowing clients to arrange consultations regarding initial policy purchases or adjustments to existing coverage without a fixed schedule of mandatory appointments.

NW
330 Encinitas Blvd suite 202c
Nick Witzmann Insurance Agency
Life Insurance Agent · Encinitas, CA

Nick Witzmann Insurance Agency specializes in helping clients secure life insurance policies tailored to individual needs. Its general services include evaluating coverage options for families, individuals, and those planning future financial protection. Located in Encinitas, CA, the agency provides guidance through the application process and offers policy reviews to ensure adequate coverage as circumstances change. As residents approach retirement or experience major life events like a new home purchase, the agency assists in adjusting coverage to safeguard loved ones during transitional periods.

CI
144 W D St Suite 109
CJT Insurance, Vehicle Registration, VIN Verification
Life Insurance Agent · Encinitas, CA

In coastal Encinitas, where seasonal moves and retirement planning often prompt a policy review, CJT Insurance provides straightforward local guidance for life insurance coverage. Balancing current protection with future needs is essential for families here, and this agency offers consultations to tailor solutions accordingly. While primarily focused on insurance, the office also handles vehicle registration and VIN verification services for residents. The initial step typically involves a complimentary needs assessment to review existing coverage and identify priorities.

FI
187 Calle Magdalena Suite 110
Farmers Insurance - Julie Haidao
Life Insurance Agent · Encinitas, CA

Farmers Insurance - Julie Haidao in Encinitas, CA provides general life insurance coverage to protect families and individuals from financial loss. They also offer specialized policy add-ons for critical illness and accidental death benefits. A life insurance agent in this area helps clients design a plan that matches their specific income and savings goals. The agency can serve local commercial sectors including offices, warehouses, and food service operations, tailoring policies to each business environment.

CI
996 N Coast Hwy 101 Suite C
CLS Insurance Services - Coastal Live Scan
Life Insurance Agent · Encinitas, CA

CLS Insurance Services - Coastal Live Scan provides life insurance options for residents and families in Encinitas, California and the surrounding coastal communities. Commercial coverage is also available for local businesses needing employee benefit plans or key person policies. The agency serves clients throughout San Diego County. Comprehensive policy reviews and annual check-ins are scheduled during each appointment to adjust coverage as needs change, ensuring continued service between regular visits.

BQ
1103 Quail Gardens Ct
Best Quote Insurance Services
Life Insurance Agent · Encinitas, CA

Best Quote Insurance Services in Encinitas, CA, is known for helping local residents find life insurance coverage that aligns with their personal financial goals. The firm’s service range includes policy reviews, needs assessments, and guidance through the application process to ensure clients understand their options. Agents regularly assist with term, whole, and universal life policies from multiple carriers. As an added service, the agency can coordinate with clients’ estate planning advisors to align coverage with long-term inheritance strategies.

FI
360 N El Camino Real # 3C
Farmers Insurance - Thomas Krynicki
Life Insurance Agent · Encinitas, CA
(760) 230-4875
agents.farmers.com/ca/encinitas/thomas-krynicki
IC
676 Polaris Dr
Insuranca.com
Life Insurance Agent · Encinitas, CA
(760) 271-1717
insuranca.com
KI
360 N El Camino Real
King Insurance
Life Insurance Agent · Encinitas, CA
(760) 753-7000
FI
531 Encinitas Blvd STE 202
Farmers Insurance - Sam Delegge
Life Insurance Agent · Encinitas, CA
(760) 579-2727
agents.farmers.com/ca/encinitas/sam-delegge
JR
4405 Manchester Ave
J R Wood Insurance Agency
Life Insurance Agent · Encinitas, CA
(760) 944-1848
robertwoodinsurance.com
HS
687 S Coast Hwy 101 STE 310
Health Savings Associates Insurances Services Inc
Life Insurance Agent · Encinitas, CA
(888) 472-1090
LB
531 Encinitas Blvd #111
LIS Benefits
Life Insurance Agent · Encinitas, CA
(760) 944-1020
lisbenefits.com
CI
1084 N El Camino Real
Clune Insurance
Life Insurance Agent · Encinitas, CA
(760) 805-0646
cluneinsurance.com/contact-us

What Does a a Life Insurance Agent in Encinitas Cost?

Life insurance costs in California vary by age, health, coverage amount, and policy type. A healthy 35 year old might pay $25 to $50 per month for a 20 year term policy with $500,000 coverage. Older individuals or those with health conditions may pay more. This is general information and not insurance advice.

About life insurance agents in Encinitas

Life insurance agents in Encinitas help residents find coverage that fits their needs. California law requires agents to hold a valid license from the California Department of Insurance. Local agents can explain term life, whole life, and universal life options while considering your budget and family situation.

Frequently Asked Questions

What license does a life insurance agent need in Encinitas?

Agents must hold a valid California life insurance license from the California Department of Insurance. They must also complete continuing education every two years to renew their license.

How long does it take to get life insurance in California?

The process can take from a few days to several weeks depending on the policy type. Term life policies often require a medical exam and underwriting which can take 2 to 6 weeks.

Can I buy life insurance without a medical exam in California?

Yes, some insurers offer simplified issue or guaranteed issue policies that do not require a medical exam. However these policies often have higher premiums and lower coverage limits.

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.