Kennedy Insurance shops 10+ top-rated carriers for San Diego families and business owners. Term coverage for mortgage and family protection, whole coverage for permanent needs, universal policies for flexibility, and business protection (key-person, buy-sell funding) for owners. Needs-based quoting, not product pushing.
Life insurance is one of the few financial products where the right policy can mean the difference between a family's stability and a family's bankruptcy. Picking the right carrier, product, and face amount matters enormously - and that's our job.
Most 1-800 life insurance agents quote whatever product pays the highest commission. We do a real needs analysis - income replacement, mortgage, education, final expenses - and recommend the coverage amount and product that actually fits your family.
Carrier underwriting varies dramatically for the same person. One carrier might offer Preferred Plus; another might table-rate based on the same health history. We shop your profile across all of them to find the best rate class available to you.
Most San Diego families need term life for their working years - not expensive permanent coverage. We'll tell you that honestly. For clients who actually benefit from whole or universal, we explain exactly why.
Many San Diego clients under 50 qualify for no-exam term life up to $500K-$1M using electronic records instead of a paramedical exam. We know which carriers offer it and who qualifies.
Key-person insurance, buy-sell funding, SBA loan collateral, and ILIT structures for San Diego business owners. Business life often needs CPA and estate-attorney coordination - we handle it.
Diabetes, hypertension, depression, past cancer, sleep apnea, hobbies the applicant thinks will kill the quote - almost all are insurable with the right carrier. We pre-underwrite tricky profiles anonymously before submitting.
Almost every San Diego family we write fits into one of three product categories. Which one is right depends on why you're buying coverage - temporary income protection or permanent legacy planning.
Temporary coverage. Level premium. No cash value.
Permanent coverage. Level premium. Guaranteed cash value.
Permanent coverage. Flexible premium. Investment component.
Life insurance is triggered by specific life moments. Below are the situations San Diego clients come to us about most often - each has a different product fit.
New mortgage = new protection need. 20 or 30-year term matching the mortgage term is the most common fit.
Income-replacement years ahead. Calculate to replace income through the youngest child's college graduation.
Two financial futures merge. Most couples structure as two separate term policies sized to individual income.
Key-person insurance or SBA-required life on the principal. Protects the business and satisfies loan collateral.
Cross-purchase or entity-purchase life insurance so surviving partners can buy out a deceased partner's family.
Survivorship life in an ILIT provides liquidity to pay estate taxes without forcing asset sales. San Diego real-estate-heavy estates benefit most.
Smaller whole-life policy ($5K-$50K) covering funeral, burial, and final bills. Common for San Diego seniors protecting adult children.
Term policy expiring soon? Whole life that's not performing? We review and re-shop existing coverage at no charge.
Most term-life quotes finalize in 2-4 weeks from application to issue. Accelerated-underwriting policies can issue in days.
Income, mortgage, education, final expense math - real numbers, not multipliers.
Age, health, tobacco, occupation/hobby, medication, family history.
10+ life carriers shopped. Underwriting varies widely - we find your best rate class.
Application online, phone, or paper. Paramedical exam scheduled if needed - or accelerated underwriting if you qualify.
2-4 weeks typical. Some accelerated policies issue in days. We handle all underwriter follow-up.
Answers to the most common life insurance questions from San Diego families and business owners.
Reviews from families and business owners we've guided through life coverage.
Every other agent tried to sell me whole life. Kennedy explained honestly why 20-year term was the right fit for my family and saved me $8,000/year.
I have Type 2 diabetes and assumed I couldn't get affordable life insurance. Kennedy placed me at Standard rate class with Banner Life - a carrier I'd never heard of - for half what I'd been quoted elsewhere.
Our buy-sell needed funding between three partners with different ages and health. Kennedy coordinated with our CPA and structured three cross-purchase policies. Took a month of back-and-forth but it was exactly right.
Accelerated underwriting meant I went from application to issued policy in 8 days with no medical exam. Completely painless.
Top-rated life carriers we broker term, whole, and universal products through for San Diego clients.
Call, email, or chat. We start with a needs analysis - not a pitch - and shop 10+ carriers to find the right coverage for your family or business.