Independent · Licensed · Family-First

Insurance built
around the people
you love.

Life and health insurance shouldn't feel cold or confusing. We're an independent brokerage that helps families and individuals find the right coverage — patiently, plainly, and at no cost to you.

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Licensed in California
No-obligation consultations
Same-day quotes available
50+
Top-rated carriers
in our network
$0
Cost to compare
quotes & coverage
24hr
Typical response time
to your inquiry
100%
Independent advice
no carrier loyalty
Coverage Options

Protection for every
chapter of life.

As an independent brokerage, we shop dozens of top-rated carriers to find the coverage that fits your family's needs and budget — not ours.

Term Life Insurance

Affordable coverage for a set period — 10, 20, or 30 years. The simplest, most cost-effective way to protect your family during the years it matters most.

Get a quote

Whole & Universal Life

Permanent coverage that builds cash value over time. Protection that lasts your whole life and creates a financial asset you can borrow against.

Learn more

Final Expense

Smaller policies designed to cover funeral costs and final medical bills, so your loved ones aren't left with the burden. Simplified underwriting available.

Compare options

Health Insurance

ACA Marketplace plans, individual major medical, and short-term health coverage. We help you understand subsidies, networks, and total cost — not just monthly premium.

Find a plan

Medicare Plans

Medicare Advantage, Medigap supplements, and Part D prescription drug coverage. We walk you through the choices in plain English and help you avoid the most common mistakes.

Review options

Group & Small Business

Group life and group health benefits for small businesses, family-owned operations, and growing teams. Make your business more attractive to employees without breaking the budget.

Get group quote
Our Story

Insurance is about
people. Not products.

Humanity Life Insurance Services started with one simple idea: insurance shopping shouldn't feel cold, confusing, or pushy.

Most families have been talked at by an insurance agent at some point — handed a stack of brochures, pressured into a decision, or quoted only the policies that pay the highest commission. That's not how we work.

As an independent brokerage, we don't work for one carrier — we work for you. We shop dozens of top-rated companies, explain the trade-offs in plain language, and let you decide. There's no cost for our service, no obligation to buy, and no pressure if you're just gathering information. The way it should be.

Independent advice.

We're not employees of any one carrier. We compare 50+ companies and recommend the policy that's best for your situation — not the one that earns us more.

Plain language.

No jargon, no hard sells, no pressure. We explain what the words on a policy actually mean and what the trade-offs are — so you can decide with confidence.

Built around families.

Every recommendation we make starts with the people you're protecting — your spouse, your kids, your parents. Coverage is the means; their security is the goal.

How It Works

Four simple steps.
No surprises.

No paperwork mountains, no medical exam scheduling on your first call, no commitment to buy. We make this as easy as possible.

01

Reach out

Send us a quick message or call. Tell us a little about your family, your goals, or just where you're stuck. We listen first.

02

We compare

We shop the carriers that fit your situation, run the numbers, and put together a clear comparison of your real options — not a pitch deck.

03

You decide

We walk through the comparison together, answer every question, and let you take all the time you need. No pressure, no urgency tactics.

04

We handle the paperwork

If you choose to move forward, we handle the application, underwriting communication, and policy delivery. We're your contact for life.

Carriers We Work With

Independent means access to dozens of top-rated insurance carriers.

Mutual of Omaha Prudential Banner Life Pacific Life Foresters Transamerica AIG Lincoln Financial John Hancock Protective Mutual of Omaha Prudential Banner Life Pacific Life Foresters Transamerica AIG Lincoln Financial John Hancock Protective
Who We Help

Built for families
at every stage.

Whether you're starting out, raising a family, planning for retirement, or running a small business — we've helped people in your shoes find the right coverage.

Stage 01

Young Families

Newly married, new parents, first-home buyers — protecting the future you're just starting to build.

  • Affordable term life insurance
  • Income replacement for spouse & kids
  • Mortgage protection planning
  • Health insurance for the whole family
Stage 02

Established Households

Mid-career professionals with kids, college plans, aging parents, and complex coverage needs.

  • Term & whole life combined strategies
  • Cash-value life insurance planning
  • College funding options
  • Long-term care considerations
Stage 03

Retirees & Seniors

Approaching or already in retirement, navigating Medicare, planning for legacy, or covering final expenses.

  • Medicare Advantage & Medigap
  • Part D prescription coverage
  • Final expense / burial insurance
  • Legacy & estate planning policies
Stage 04

Small Business Owners

Entrepreneurs and family-owned businesses needing benefits packages, key-person coverage, and continuity planning.

  • Group health insurance for teams
  • Group life & voluntary benefits
  • Key-person life insurance
  • Buy-sell agreement funding
“

The best insurance policy is the one your family actually understands — and the one you'll still want when life changes.

— Our approach, in one sentence
Common Questions

The things
people ask
first.

If your question isn't here, just ask us.

Nothing. As a licensed insurance brokerage, we're paid by the carriers when a policy is issued — not by you. There are no consultation fees, no quote fees, and no obligation to buy. If you decide nothing is right for you, you walk away at no cost.
When you go direct to one carrier, you only see that carrier's products at that carrier's prices. As an independent broker, we shop dozens of carriers in one conversation and compare apples-to-apples. The same policy can vary by hundreds of dollars per year between carriers — we make sure you find the best fit.
Term life is temporary coverage for a set period (typically 10, 20, or 30 years) and is usually the most affordable. Whole and universal life are permanent — coverage lasts your entire life and the policy builds cash value you can borrow against. Most families benefit from a mix: large term coverage during the years children are at home, plus a smaller permanent policy for legacy or final expenses. We'll walk through what makes sense for you.
Sometimes. Many of today's policies offer simplified or accelerated underwriting — no exam, just a few health questions. For larger policies, a free, in-home or video paramedical exam may be required. We'll match you with carriers that fit your situation, including no-exam options for healthy applicants and simplified-issue options for those with health conditions.
Yes — and we always check whether switching actually makes sense. Sometimes you'll save significantly by moving to a new carrier; other times your existing policy is the better deal even if it's not the cheapest. We'll tell you straight, and we never recommend replacing a policy unless it genuinely benefits you.
The ACA Marketplace lets individuals and families buy health insurance directly, often with subsidies based on income that significantly reduce monthly costs. We help you check your subsidy eligibility, compare plan networks (which doctors and hospitals are covered), and look at total annual cost — not just premium — to find the right fit.
Send us a message through the form below, or give us a call. We'll set up a quick, no-obligation conversation — usually 20 to 30 minutes — to understand your goals and get you a real comparison of options. From there, you decide what's right.
Your information is held in strict confidence and used only to prepare your quotes and recommendations. We never sell your data, never spam you with marketing, and never share your information with third parties for any purpose other than running the carrier comparisons you've asked for.
Get a Free Quote

Let's find the right
coverage together.

Tell us a little about your situation and we'll get back to you within 24 hours with a no-obligation conversation. There's no cost, no pressure, and no commitment.

Email
sales@humanitylifeinsurance.com
Phone
(818) 631-1057
Hours
Mon–Fri, 9 AM–6 PM PT
Same-day response on weekdays

Your privacy matters. We use your info only to prepare your quotes. We never sell your data and never spam you.