Term Life Insurance
Instant Quotes

Term Life Coverage is a great way to have low cost coverage, for a selected period of time, rather than your entire life.

Say while your children are dependent on you or covering a mortgage, especially if your home is “under water.”

We offer FREE low cost term insurance quotes for California just by entering your birthdate and making a few clicks.

We do not sell your information.  No other agent will contact you.  Only Steve!

Sample Life Insurance Rates

10 year level term

40 year old Male

Super Preferred Non Tobacco

Sample Rates Life Insurance

CA Statutory Will 

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Steve Video on CA Statutory Will

video on ca statury will
Please excuse the sound quality... it gets better after the first 20 seconds

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Life Insurance Buyers Guide

NAIC Life Insurance Buyers Guide

How much  life insurance you really need?

Video Insurance Unnecessary Cost?

Calculate How much Insurance you need, to be adequate, based on Income, Net Worth, Family Responsibilities, etc. – Life Happens.org

Monthly.expense.fact.finder Jackson

How Much Life Insurance Do You Need ForefieldKT.com

Life Insurance Need Analyzer ForefieldKT.com  

10 reasons you might need life insurance even after your kids are grown.


People killed in mass shootings got around 275,000 each from charitable fund raising

So don’t you think that means that you should have at least 300,000 because nobody knows how they’re going to die

Nor should you rely on charity


#Confidential Life Insurance – Can I Insure someone without them knowing about it? 


Yes, you can now insure against financial loss as a result of the death of another person, with whom there is an INSURABLE interest, like alimony or child support without the insured person’s knowledge.

Additional  examples would be Bank Loans, Divorce Settlements, Investors, Business Managers/Agents, Movie Productions, Business Buy Outs/Buy Ins, Surrogate Mother Contracts

Can one get a policy on their Mother who would refuse to take a physical?


Is there an insurable interest? 

My mother is 74 years old and has always been in good health, but in recent months her health has taken a turn. She refuses to seek medical treatment and has not been to the doctor in probably 45 years. There has been no diagnoses and there are no medical records. She essentially is penniless and when she passes away the burial and other expenses will fall on myself and other siblings. As mentioned, she will NOT go to the doctor, so a medical exam is out of the questionnor would she ever consent to a life insurance policy being taken out on her (as she does not think she will ever die).

Am I able to purchase a policy without her getting an exam and without her signature to protect myself?

***Maybe.  The FIRST question though, is, are you willing to pay the standard premiums for a guaranteed issue graded benefit plan?

2nd, we do have a confidential policy available, just for conversation sake, let’s say the premiums are double what a policy that your Mother would sign for would be.  Would you pay that premium?

Life Insurance without the Covered Person knowing

confidential life coverage - someone owes you money

Be sure to put in our Producer # 30410

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