Insurance
Life Insurance
Protect your family and your peace of mind with life insurance tailored to your needs. Whether you're planning for the future or preparing for the unexpected, we’re here to help and offer guidance and support you can count on.
Rated 4.9 out of 5
Based on 50+ reviews
Covers end-of-life expenses
Helps pay for funeral costs, medical bills, and outstanding debts.
Protects your loved ones
Provides financial support for your family when they need it most.
Secures your legacy
Can help with college funds, mortgages, or future planning.
Peace of mind
Live confidently knowing your family’s future is protected.
Life Insurance Made Simple
Personalized Life Insurance. Honest local guidance.
At Kwan Insurance Services, we help you find the life insurance that truly fits your life and legacy. Whether you’re starting a new family, building financial security, or simply want peace of mind for the future, we work with you to choose the right coverage at the right price. Life Insurance isn’t just about death benefits, it’s about protecting the people you love most. It can cover final expenses, support your family’s living costs, pay off debt, and help fund future goals like education or homeownership. And with our personal, local support, you’ll never have to navigate it alone.
With access to multiple carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. Our job is to make life insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their life insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Life Insurance options
We make it easy to understand your choices and build a policy that gives you and your family lasting peace of mind.
Find the right coverage at the right price
Get your free quote in minutesWhat is life insurance and how does it work?
Life insurance is a contract between you and an insurance provider. You pay a monthly or annual premium, and in return, your beneficiaries receive a tax-free payout (called a death benefit) when you pass away.
It can be used to accomplish things like: replace lost income, pay off debts like mortgages or student loans, fund college tuition, cover funeral and medical expenses, and leave a legacy to children or charitable causes.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Life Insurance matters
Life insurance isn't just for parents or homeowners—it’s for anyone who wants to protect the people they care about. It ensures that your loved ones aren’t left struggling with financial decisions during a difficult time. And unlike other types of insurance, life insurance gets more expensive the longer you wait, so locking in a policy early is one of the smartest financial moves you can make.
What’s typically covered by Life Insurance?
Most life insurance policies cover three main things: a death benefit paid to your beneficiaries, optional living benefits or cash value (in permanent policies), terminal illness or chronic illness riders (available in some plans), and access to policy loans (whole and universal life options).
Optional coverages and special Insurance options
Beyond the basics, you can customize your policy with extra protection. Options like accidental death coverage, child term riders, waiver of premium in case of disability, and guaranteed insurability for future coverage increases are available.
How we help you choose the right coverage
At Kwan Insurance, we start by listening. We’ll learn about your goals, family situation, and budget, then walk you through your options in a simple, honest way. Whether you want basic term coverage or a plan to grow with you long-term, our mission is to help you feel informed, confident, and supported.
How to get started
Simple steps to the right Life Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step - with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored life insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped families protect their futures
Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
FAQ
Common life insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Can I switch my current life insurance policy to Kwan Insurance?
Yes, switching is easy. We can help review your current policy and see if there’s a better fit for your needs.
What type of life insurance is best for families?
It depends on your goals. Term is affordable and flexible, while whole life builds lifelong value. We’ll help you decide.
Do I need a medical exam to get life insurance?
Some policies require it, but many offer no-exam options depending on age, coverage amount, and health history.
Can I get coverage if I’m self-employed or have pre-existing conditions?
Yes, there are plenty of options, and we’ll guide you to the best match for your situation.
Coverage made simple
Helping local families build financial security
- Rated 4.9 out of 5 stars
- 30+ years of expertise
