Newbury Park, California · right down the street

A lush life for the people you love.

I’m Billy Lush: neighbor, baker, and licensed life insurance agent. My wife helps families settle estates after a loss; I make sure the money is there when it happens. Between us, we’ve seen what prepared looks like, and what unprepared costs.

Book a 15-min time What I can set up

Billy Lush, licensed life insurance agent, in the hills of the Conejo Valley near Newbury Park — Billy: agent, baker, actor, neighbor

Term · Whole Life · Final Expense · IUL · plain talk, no pressure

The 30-second number

A real ballpark before you ever pick up the phone. Slide your age, pick a coverage amount.

Your age42

Coverage

$28 to $41/ month, roughly

Illustrative range for a healthy non-smoker on a 20-year term policy. Your real number depends on your health and the term you choose, that’s the 15 minutes.

Get my actual number

or skip the form and call me directly

No. 01

The other family business

Every other agent will quote you a policy. I’ve sat with what happens when there isn’t one.

My wife, Anne Clare, works in probate real estate. She helps families sell a home after someone dies. The calls she gets are from people discovering, mid-grief, what unprepared costs: frozen accounts, court timelines, a funeral on a credit card, siblings fronting a mortgage out of pocket.

I’ve been a licensed life insurance agent since 2022, and nearly all of my work comes the old-fashioned way: family, friends, and neighbors who pass my name along. I’d rather be the person a town trusts than a stranger with a quote engine, which is also why you may already know me as the Billy behind Billy Bread. (Or from television: I’ve spent twenty years as a working actor, in shows like HBO’s Generation Kill and Apple’s For All Mankind. Around here, though, I’m mostly known for the sourdough.)

So this is the other family business: making sure that when the worst day comes, and it comes for every family, yours gets grief without a financial emergency stapled to it.

Billy

Licensed & verifiable

CA Lic. #4247326, in good standing since 2022. Don’t take my word for it, look me up on the CA Department of Insurance. Also licensed in Texas (TX Lic. #3268220).

You may know the face

Twenty years as a working actor: Generation Kill (HBO), For All Mankind (Apple TV+). The full list’s on IMDb.

Known around town

Most weeks you’ll find me at Billy Bread, the sourdough bakery I run here in Newbury Park, and I’ve been featured in Dos Vientos Living, our neighborhood magazine. Hard to disappear when you’re the guy holding the loaves.

No. 02

What I can set up for you

The workhorse

Term Life

The most protection per dollar, for the years that need it most: the mortgage, the kids, the income your family runs on. Pick a term, lock a flat premium, done.

Fits most families, most of the time.

The keeper

Whole Life

Permanent coverage that never expires, with a premium that never goes up and cash value that builds along the way. It's there at ninety-five exactly as it was at thirty-five.

Fits lifelong needs, and leaving something behind, guaranteed.

The small kindness

Final Expense

A modest policy with one honest job: it pays out fast, so a funeral never becomes a debt your family carries while they grieve.

Fits parents & grandparents who want this one thing handled.

The flexible one

Indexed Universal Life

Permanent coverage whose cash value earns interest tied to a market index, with a built-in floor for the down years. More moving parts, worth a real conversation.

Fits people who've covered the basics and want options. If it's not right for you, I'll say so.

Appointed with John Hancock · Nationwide · American General (AIG) · Fidelity & Guaranty & more

No. 03

Straight answers to the awkward questions

What actually happens to the money when someone dies?

Usually nothing fast, and that's the problem. Bank accounts can freeze while the estate is sorted out. If there's property and no living trust, the estate can land in probate, which in California routinely takes a year or more and carries fees that come out of what the family inherits. Meanwhile the funeral home, the mortgage, and the utility company all still want to be paid this month.

Life insurance works differently: it pays your beneficiaries directly, usually within weeks, and it doesn't go through probate at all. That's the whole point: money that shows up when everything else is stuck.

Is final expense insurance worth it, or is it a gimmick?

It's a real tool with an honest job: it's a small whole life policy designed to pay out quickly and cover a funeral, which in California runs five figures more often than people expect, so the cost never lands on a grieving family's credit card.

Is it for everyone? No. If you have savings set aside that your family can actually reach quickly, you may not need it. That's the kind of thing I'll tell you straight in fifteen minutes.

How much does life insurance cost?

Almost always less than people guess, especially term coverage in your 30s, 40s, or 50s. The real answer depends on three things: your age, your health, and how much protection you want. That's a fifteen-minute conversation, and you'll leave it with a real number instead of an internet guess.

Wait, aren't you the bread guy?

Guilty. I'm the Billy behind Billy Bread, the sourdough bakery here in Newbury Park. I bake on Fridays, and the rest of the week I help local families with life insurance.

I mention it because it tells you something no agency website can: I live here, my kids go to school here, and you know exactly where to find me. Literally: most Fridays I'll be the one holding bread.

What does talking to you cost?

Nothing, ever. Insurance agents are paid by the insurance company when a policy is placed; advice, quotes, and the math are free to you. And if after fifteen minutes the honest answer is that you don't need anything new, that's exactly what I'll say.

More plain-English answers: does life insurance go through probate?, what it really costs, and term vs. whole life.

No. 04

I work where I live

The Conejo Valley is named for its oaks, trees that start as something you can hold in one hand and end up sheltering everything under them. That’s the business I’m in. I meet people at kitchen tables, at the bakery, over the phone, whatever’s easiest.

Also licensed in Texas, so if your mom’s in Houston or your brother’s in Austin, the same conversation works there too.

Serving

Newbury Park (home base)Thousand Oaks Westlake Village Oak Park Agoura Hills Moorpark Camarillo Simi Valley…and all of California & Texas

No pressure, no phone call

Come find me Friday.

Not ready to talk insurance with a stranger? Fair. Most Fridays I’m at the bakery with flour on my hands. Come buy a loaf, look me in the eye, and decide for yourself whether I’m someone you’d trust with this. The bread’s good either way.

Find the bakery See bake days & menu

Billy Lush holding fresh-baked sourdough loaves at Billy Bread in Newbury Park

The 15-minute conversation

You talk, I listen, and you leave with real numbers: what protection would actually cost for your family, in plain English. No homework, no pressure, no follow-up campaign. If you don’t need anything, I’ll tell you that too.

Call (323) 580-9137 Text me billy@billylushinsurance.com

or grab a time that works for you

Evenings & weekends welcome. I’m a baker, I’m up anyway.