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Looking for a life insurance agent in Encinitas? Review the directory below to compare your options.
18 agents listed
Updated May 2026
Encinitas, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 18 life insurance agents in Encinitas, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Encinitas Insurance and Member Services
499 N El Camino Real, Encinitas, CA 92024
(760) 635-1020
ace.aaa.com
Lisa Trapp - State Farm Insurance Agent
1458 Encinitas Blvd, Encinitas, CA 92024
(760) 230-0231
youragentlisa.com
Katie Beach Harlan - State Farm Insurance Agent
531 Encinitas Blvd STE 119, Encinitas, CA 92024
(760) 753-4944
beachinsurance.us
Jake Cesare - State Farm Insurance Agent
227 N El Camino Real Ste 206, Encinitas, CA 92024
(760) 942-2277
youragentjake.com
Schulte Insurance Agency
1036 2nd St, Encinitas, CA 92024
(760) 436-5015
schulteinsurance.com
Nick Witzmann Insurance Agency
330 Encinitas Blvd suite 202c, Encinitas, CA 92024
187 Calle Magdalena Suite 110, Encinitas, CA 92024
(619) 401-1104
agents.farmers.com
CLS Insurance Services - Coastal Live Scan
996 N Coast Hwy 101 Suite C, Encinitas, CA 92024
(760) 230-1830
coastallivescan.com
Best Quote Insurance Services
1103 Quail Gardens Ct, Encinitas, CA 92024
(888) 536-1131
Farmers Insurance - Thomas Krynicki
360 N El Camino Real # 3C, Encinitas, CA 92024
(760) 230-4875
agents.farmers.com
Insuranca.com
676 Polaris Dr, Encinitas, CA 92024
(760) 271-1717
insuranca.com
King Insurance
360 N El Camino Real, Encinitas, CA 92024
(760) 753-7000
Farmers Insurance - Sam Delegge
531 Encinitas Blvd STE 202, Encinitas, CA 92024
(760) 579-2727
agents.farmers.com
J R Wood Insurance Agency
4405 Manchester Ave, Encinitas, CA 92024
(760) 944-1848
robertwoodinsurance.com
Health Savings Associates Insurances Services Inc
687 S Coast Hwy 101 STE 310, Encinitas, CA 92024
(888) 472-1090
LIS Benefits
531 Encinitas Blvd #111, Encinitas, CA 92024
(760) 944-1020
lisbenefits.com
Clune Insurance
1084 N El Camino Real, Encinitas, CA 92024
(760) 805-0646
cluneinsurance.com
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.