What's the CaliforniaLife.com advantage?

Finding and buying affordable life insurance has never been easier for residents of California. Because we have concentrated our energy on California we are able to bring some of the best available insurance to you directly. Most insurance agents offer only one company – it's an all or nothing proposition. Fortunately, being an insurance agent and broker we're able to offer multiple "A" Rated insurance companies. Also, because of our relationship with certain companies we've contracted with, we can offer life insurance products available through less than 1% of all insurance agencies in the US. That's right, not only do we have some of the most affordable life insurance, but also agreements to offer products that are exclusive. Example: up to $1,000,000.00 in life coverage issued in 24-48 hours, with up to six months to take any exams. Wow, life coverage in a couple days and up to six months to get in shape or drop a few pounds. Could we make it any easier? Yes we can...how about no medical exam life insurance. That's right, life insurance with no exam (no blood – no urine), and the policy can be issued in the same 24-48 hours. Hey, if you're in good health and don't need or want the hassle and inconvenience of waiting 4, 6 or even 8 or more weeks for a policy to be issued, this might be just what you need. It's the perfect situation whether you're a new or an expecting parent, looking for something more affordable, higher coverage limits then available at work or a business owner/partner needing coverage to secure a business loan.


We do the shopping for you

The good news about being insurance brokers is if we don't have it we know where to get it. In other words, we do the shopping for you. Our relationships with insurance carriers from not only around the US but around the world gives you access to specialized carriers for even the most difficult and hard to place cases. We've partnered with some of the largest brokers that only offer specific types of coverage for individuals with unique or impaired health conditions.


Our beginning –

A third generation insurance agent John Espenschied began his investment and insurance career in the mid 1980's and later started, with his wife Melissa, the agency Insurance Brokers Group, LLC. When Mr. Espenschied began in the financial world, the first rule was preservation of capital and assets. There's no better way to insure your families long-term financial stability than life insurance. With the advent of the internet it became clearer individuals and families would have the opportunity to shop more freely then just the local agent. A new division of the agency was formed, CaliforniaLife.com. With one specific goal, bring the people of California affordable and easy to obtain life insurance.


We look forward to the opportunity to help you find the policy that is right for you.




John Espenschied
CA Lic. 0G99755


Take the Tour or