Life Insurance that fits the way you live.
Term coverage for the years your family depends on you. Permanent coverage for the estate plan, business succession, and tax strategy that comes after. We model both before you commit to either.
Why this coverage line is the one we get the most questions about.
Most San Diego families need a 20- or 30-year level term policy sized to replace 10-15 years of income, written before age 50 while underwriting is favorable. Beyond that, the picture gets more interesting: estate liquidity for highly-appreciated real estate, key-person and buy-sell funding for business partners, indexed universal life for tax-advantaged accumulation. Yoshizumi Insurance Agency starts with the math — what do you actually need, for how long — and then quotes across multiple carriers because life insurance pricing varies dramatically by underwriting class. If you have a health condition (diabetes, cardiac history, even some cancers), we know which carriers underwrite favorably for it.
How we shop it.
Every quote runs across 30+ admitted and specialty carriers. For life insurance, we focus on the markets that actually compete in California's current environment. We don't sell one company's product — we shop the result and recommend the carrier that fits your specific situation.
Insurance for the way you actually live
Whether you're looking for a life insurance broker near me, an independent insurance agent near me in San Diego County, or a boutique insurance agency near me with deep specialty-market relationships — this is the office. Featured on CBS 8 San Diego for explaining California's hardest insurance market in a generation.
The questions we hear about life coverage.
Do I really need life insurance if I'm single with no kids?
Probably not, unless you have debt that would burden a parent or co-signer, or you want to lock in insurability while you're young and healthy. The cheapest insurance you'll ever buy is the policy you take out at 30. Wait until 50 and the math gets ugly.
Term or whole life?
For 95% of clients with a 10-30 year income-replacement need: term. For estate planning, business succession, or guaranteed lifelong coverage with cash value: permanent. We do the comparison both ways and show you the present-value math.
How much coverage do I need?
Common rules say 10x income, but that's lazy. Real number: enough to clear debt, fund kids' education through college, and replace 10-15 years of your income on a 4-5% conservative withdrawal rate. For most clients, that's $1-3M of term.
I have a health condition. Can I still get coverage?
In most cases yes — at a rated premium. We know which carriers underwrite favorably for diabetes, sleep apnea, cardiac history, history of cancer in remission, anxiety/depression. Applying to the wrong carrier first can create a record that affects future quotes — order matters.
Can you review the policy I already have?
Yes — and we do it for free. About 30% of the existing policies we review are underpriced (great, keep it), 30% are overpriced for the coverage (we'd replace), and 30% have the wrong product entirely (often a whole life sold when term would have done the job).
How long does underwriting take?
Simplified-issue policies: 1-3 days. Fully underwritten policies (best pricing): 4-8 weeks including paramed exam, blood and urine labs, and APS records review.
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.