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The Real Life Company

When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a claim against the insurer for the covered amount of loss as specified by the policy. The fee paid for the risk is called the premium. That are used to fund accounts reserved for later payment.

Car Insurance

Save up to 30% when you bundle policies.
Ask us how!

5 Star Home Insurance

Are you overpaying for the right coverage? Additional coverage for Identity Theft, Service Line coverage and more!

Free Consultation

Contact us for a free consultation and quote from over 30 top-rated companies for Life Insurance protection for your loved ones to replace lost wages in case of death, cover final expenses, or manage wealth and inheritance issues. Let us provide you with information and quotes for your Long Term Care, which can assist you with payment for care for chronic illnesses, disabilities or other conditions on a daily basis. Looking for Disability Insurance as a self-employed worker or business owner? We can help!

Need Help? Call Us at 1 (805) 520 8410

What We Offer

  • For Individual
  • For Business
  • The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in case of a covered loss.
Life Insurance

Life Insurance

The benefit in exchange for a premium, upon the death of an insured person.

Car Insurance

Car Insurance

Financial protection against damage and/or bodily injury from traffic collisions,

Health Insurance

Health Insurance

Insurance against the risk of incurring medical expenses among individuals.

Home Protection

Home Protection

Losses occurring to one’s home, its contents, loss of use, or loss of other goods.

Product Insurance

Product Insurance

Products for sale on the general market, product liability insurance is a must.

Break Insurance

Break Insurance

If a disaster or catastrophe does occur, a business’s operations will be on a break.

Labor Insurance

Labor Insurance

Medical treatment, disability and death benefits if an employee is injured or dies.

Asset Insurance

Asset Insurance

Covers equipment, signage, inventory & furniture in case of a fire, storm or theft.

Life, Long Term Care and Disability Insurance

Contact us for a free consultation and quote from over 30 top-rated companies for Life Insurance protection for your loved ones to replace lost wages in case of death, cover final expenses, or manage wealth and inheritance issues. Let us provide you with information and quotes for your Long Term Care, which can assist you with payment for care for chronic illnesses, disabilities or other conditions on a daily basis. Looking for Disability Insurance as a self-employed worker or business owner? We can help!

  • Almost half of Americans searched for Life Insurance online last year from the over 600 Life Insurance Companies in the United States.
  • Over 80% of customers think that Life Insurance is more expensive that it actually is.
  • 25% of Americans will go through a disabling injury in the workforce.
  • Most employer based Health Insurance plans do not cover Long Term Care coverage and even Medicare is limited.

Insurance Built Around
your Needs and Requirements

The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged is called the premium.

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Over 10,000 Happy Customers
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Great Claims Service
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A Tradition of Excellence
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Over 30 top-rated Companies to choose from

At a Glance

Our Key Statistics

Our Top Picks By Category

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Retirement Plan

  • Covered by the insurance policy
  • Submit a claim to the insurer
  • The insured receives a contract
  • The conditions and circumstances
Contact Us
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Starting a Business

  • Covered by the insurance policy
  • Submit a claim to the insurer
  • The insured receives a contract
  • The conditions and circumstances
Contact Us
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Make a Claim

  • Covered by the insurance policy
  • Submit a claim to the insurer
  • The insured receives a contract
  • The conditions and circumstances
Contact Us

How Much Life Insurance Do I Need?

An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The action involves a contract. From an insured’s standpoint, the result is usually the same: the insurer pays the loss and claims expenses.

Our Clients Rate Us

Ashraf A.

I have been a client of Hayes insurance for the past 10 years and I love them, every time I call there always there to answer my questions and help me with whatever I need. I would recommend this company to everyone I know.

Oscar A.

I bought a vehicle from a dealership. I need full coverage from a dealer approved insurer. I got insured over the phone in one day. I have a genius driving record and the car drove right off the dealer lot. This is really good insurance. Buy a car you will see.

Remy M.

I have been with Hayes Insurance for nearly 10 years and have worked with Kimberly and have been so pleased with her attentiveness and professionalism along with her friendly demeanor. Highly recommend this company!