Life insurance will help provide for the ones you love — now and in the years to come.
Term life can offer you a high level of coverage to meet your temporary needs and may be the right fit for you if you are in search of:
A guaranteed insurance policy for a specific amount of time
Coverage on a limited budget
Level premiums that are locked in and guaranteed not to change
Additional coverage that can work in tandem with your employer’s life insurance plan
How it Works: You can choose a term of ten, twenty or thirty years. A Term Life Insurance policy holder receives a guaranteed death benefit for the term you select and your premiums are “locked” for the agreed upon time period.
When you choose Whole Life you are provided with level premiums, strong guarantees, and protection that can build cash which you can later use through policy loans enabling you to use money for any purpose. At the same time, you are also providing financial protection to your loved ones.
Universal Life Insurance
Universal Life is similar to Whole Life in that it can provide you with lifelong protection and can build cash value. With Universal Life, however, you have more flexibility. For example, you may have the option to change certain aspects of your policy mid-term such as the level of coverage and the premium payments. Versatility and long-term protection are the foundations of the Universal Life product.
Life's final expenses can be a heavy burden for your family. With the average burial exceeding $10,000 a Final Expense policy may assist those who are dealing with your loss. Preparing now with this coverage allows you to only leave behind fond memories.
Get The Right Policy
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We Can Help
We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Business Owner and Photographer
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
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Window and Door Sales
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident
“The service provided by Jeff and Luke was professional, easy, and we are so pleased to see the difference in our premium cost."
Jane and Tom T.