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Life Insurance



For a Free Consultation with a Licensed Agent
Call 1-(888) 336-8100 or (760) 477-7551

CA License #0B90902
At Affordable Health Plans we quote hundreds of life insurance plans, with a list of carriers too long to fit here. Life insurance quoting is complex, because it is based on a variety of factors including your age, the quality of your health, family history, the amount of coverage you want, and for how long. Instead of giving you a price that may not be accurate, we ask the questions that will allow us to give you a real quote, based on your situation - and not a teaser quote to get you to apply for coverage. After we have the information we need, we quote all carriers and select a high rated carrier, with the most competitive prices.

If you just want a small amount of coverage for Final Expenses, you can get guaranteed issuance life insurance at a slightly higher cost. These plans have very few requirements to qualify and can cover funeral expenses among other things.

Here is a $15,000 term life policy for people age 18 to 64 that you can immediately qualify for without any medical questions
only $29.95 a month for and individual and $39.95 for an entire family.

Life Insurance FAQ's
Q: What do I need to qualify for a life insurance plan?

A: Life insurance rates are based on your age, sex, whether you smoke or not, and the quality of your health. To qualify for regular life insurance you need to be in fairly good health with no major medical issues. If you have medical issues that would deny you coverage there are guaranteed issue plans known as "Final Expense Life Insurance" that just about anyone can qualify for. To get an accurate quote you should disclose your health history to a licensed insurance agent so they can determine your rating category. (1-888-336-8100)


Q: What are the different types of policies available?

A: For regular life insurance you can get term, whole, universal, universal whole, indexed, and other products. Most people select term insurance for the price and coverage amounts. Term policies are good for a term of time you determine, typically from 5 years to 35 years.


Q: Can I be cancelled?

A: As long as you pay your premiums on time your coverage will last as long as you want it.


Q: How much does life insurance cost?

A: That depends on what type of coverage you want, and which plan you select. It also depends on the quality of your health, and your location and age. Our agents do a thorough needs analysis along with a health screening to determine the best plan for you that will fit within your budget. Anybody who gives you a flat figure without asking you key medical questions is not giving you an accurate quote, unless you're in absolutely perfect health and don't smoke.
Q: How long does it take to get approved for coverage?

A: Typically it takes anywhere from a couple of weeks to a couple of months to get approved for life insurance.


Q: What would I need to give an agent to get a quote?

A: Your age, the amount of coverage you want, the length of time you want the coverage for, the state of your health (any pre-existing conditions or prescription medications taken), and your zip code. You can get coverage up to 20 times your (verifiable) annual net income.


Q: Is one plan, or company better than the rest?

A: We quote hundreds of carriers but only work with carriers that have high financial ratings. Most term life plans are identical, but some offer riders like return of premium, payout for terminal illnesses, and others. Whole life, Indexed life, and Universal life vary in price and benefits from carrier to carrier.


Q: Are there any penalties for cancelling it before the first year?

A: Your contract is from month to month, so you can cancel prior to the 1st of any month and not be responsible for future payment, however since your rates are locked in, you would most likely pay more for coverage in the future because your age would be higher, and your health can decline over the years.