Not advice
This website is general information, not financial, tax, or legal advice. Talk to the right professional for your situation.
Quotes and illustrations
Numbers shown are illustrative estimates. Real premiums depend on age, health, underwriting, and the carrier. Carriers make the final decision.
Products and availability
Products vary by carrier and state. I am licensed in California and Texas only. The appointment list is in the footer.
No warranties
The site is provided as-is. I work to keep it accurate and current but cannot promise every detail is complete or up to date.
Links to other sites
Links to places like Billy Bread, IMDb, or the California Department of Insurance are provided for convenience. Their content is their own.
Carrier names
Carrier names belong to their owners. Naming appointed carriers describes my shelf, and is not an endorsement of this site by them.
Questions or disputes
Email me first and we will almost certainly sort it out. Otherwise these terms are governed by California law. Last updated August 22, 2026.