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 4.8 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
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 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
