Life Insurance in California

Everybody Has Questions About Life Insurance

We're going to provide the information you need to understand the answers.   There are four "cornerstone" questions that are important.

1. How does life insurance work?

2. ​Do I need life insurance?

3. What kind of life insurance do I need?

4. How much do I need?​

With these answers, the process of choosing the policy, the amount of protection, the cost, and completing the application become more obvious.

How Does Life Insurance Work?

There are many types of life insurance policies.  The most common is Term life insurance.  The others are Whole Life and three versions of Universal Life insurance (Fixed, Variable, and Indexed). 

We'll explain how each type works and give you a good idea about the situations​ in which term, whole, and universal life insurance can make sense for you.

Why Should I Get Life Insurance?

As a baby, your need for a life policy is pretty small, just like you.  As you age, your need for coverage will change based on your circumstances and your stage in life.

There are three primary reasons to get life insurance.  We'll cover each of those and show you how the right coverage is a key part of all your life and financial plans.

term life insurance san diego california

What Kind Of Life Insurance Do I Need?

Every print or television ad you see about life insurance says the cost is "less than $15/mo," for a 40 year old man.  Those are term insurance ads.  Is that what you need?

​Or would a permanent policy be better?

​The answer is usually, "it depends".  We'll go over a life model that can help you decide what you need based on your situation.

Is term life insurance the best option?

How Much Life Insurance Do I Need?

There are several ways to determine what level of protection you need to have.  Studies show that the average person only has 40% the amount they should.

What amount is right for you?  We'll show you three methods and help you figure out which method you should use.  

Then we'll help you determine what the right amount of protection is for your situation.

What If You Weren't There Anymore?

What would your family do?  Would they have to leave everything behind?  Completely start over?  Protect the ones you love before it's too late.

Get Started Here!

get life insurance quotes

Best Rates For Life Insurance In California

See what your cost for Life Insurance is using our online quote engine.  Multiple insurance companies, many plan types.

Life insurance at SPF Insurance

Why Use SPF Insurance?

Why should you use SPF Insurance to get life insurance?  It's a good question, and there are some specific reasons that make it clear why we can be your best option.

How does a life insurance company rate you?

Life Insurance Rating Classes

The price you'll pay for life insurance depends on your health history.  Learn how the insurance companies rate YOU, and how you should view the insurance companies' ratings.

Get Life Insurance Quotes

See life insurance quotes from all the top life insurance companies.  Instant results! No hassles! No random agent calls!  At SPF Insurance we pride ourselves on being professional and helping you understand the quotes you'll see here.  If you have questions, just call or email and we'll get the answers to you.

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We are so relieved that we decided to turn to Tim for help in choosing our health care coverage. Finding the right health care provider, and understanding the options, can be a daunting task on your own. But Tim made the process as easy and uncomplicated as it could possibly be. He laid out our options based on our needs, explained everything clearly, gave us as much time as we needed to ask questions, and guided us every step of the way. He was professional, knowledgeable, and patient throughout the process. It was a pleasure to work with Tim and we will definitely work with him again in the future.

Eva T -

Marc made it so easy for me to determine the best health insurance plan for me and my family. Thank you so much for being patient with all my questions and making something so complicated easy to understand. I highly recommend Marc and SPF insurance to anyone who needs help.

Vanessa A

Tim is absolutely one of the best insurance brokers out there. His priority is your needs. He came out to our office and was able to recommend what was best for each one of us individually. Even if its just advise that you need, you will not find anyone more knowledgeable than him, and that is because he loves what he does. If you need someone trustworthy go to Tim!

Cristal Flores

SPF Insurance provides service throughout California including these cities:

Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Oceanside, Escondido, Carlsbad, Temecula, El Cajon, Vista, San Marcos, Encinitas, Solana Beach, Imperial Beach, National City, La Mesa & Ramona

SPF Insurance Services
San Diego, CA 92128
(858) 613-3628

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