A practical, jargon-free guide to figuring out how much life insurance a new parent needs, which type of policy makes sense, and why waiting is the most expensive mistake you can make.
Read More6 min read
Compare Life Insurance Quotes from 30+ Top-Rated Carriers
If you died tomorrow, would the burden of funeral costs and debts be on your surviving family?
Testimonials
Making life insurance simple, affordable, and accessible for everyone.
Who We Help
Life insurance isn't one-size-fits-all and you shouldn't settle for a policy that wasn't built for your life. Whether you're a parent, a professional, or a veteran, Life Insured By Chris finds the right coverage for you.
Protect the people who depend on you: Your income helps provide the home, the mortgage, childcare, and the future you've worked hard to build. The right life insurance helps ensure your family can keep moving forward if the unexpected happens. We'll help you find affordable term life, whole life, or mortgage protection coverage designed for your family's unique needs.
Don't let your employer decide your family's financial protection: Many workplace life insurance plans provide only one or two times your salary and that coverage often ends when you change jobs. A personal life insurance policy stays with you, giving your loved ones lasting protection no matter where your career takes you. We'll help you choose coverage that fits your goals and budget.
Continue protecting your family after your service ends: Military life insurance may not provide the long-term protection your family needs after separation or retirement. We specialize in helping veterans find affordable life insurance solutions, including options for many service-related health conditions. Our goal is to help you secure coverage that honors your service and protects those you love.
Why Choose an Independent Brokerage?
When you go directly to an insurance company, you get one company's options, one company's pricing, and one company's motivation to sell you their product.
That's not how Life Insured By Chris works.
As an independent brokerage, we work for you, not the carriers. That distinction matters more than most people realize. It means every recommendation made is based on what's actually best for your situation not what a single company happens to offer.
With access to 30+ top-rated insurance companies across 20 states, we do the shopping, comparing, and vetting for you. We look at pricing based on your specific health profile, examine policy details and exclusions most people never think to ask about, and match you with coverage that fits your real budget and long-term goals. You get options. You make the decision. There's no pressure either way and the relationship doesn't end once you're covered.
Life changes, new baby, new home, new job, new health situation and your coverage should keep up. Life Insured By Chris is here for the long term, whether that means reviewing your policy as your needs evolve, updating your beneficiaries, adjusting your coverage levels, helping you understand your benefits, or supporting your family through a claim when it matters most. This isn't a one-time transaction. It's ongoing protection with someone in your corner.
More carriers. Better options. Someone who actually works for you.
Book your free 15-minute coverage review today!
That's not how Life Insured By Chris works.
As an independent brokerage, we work for you, not the carriers. That distinction matters more than most people realize. It means every recommendation made is based on what's actually best for your situation not what a single company happens to offer.
With access to 30+ top-rated insurance companies across 20 states, we do the shopping, comparing, and vetting for you. We look at pricing based on your specific health profile, examine policy details and exclusions most people never think to ask about, and match you with coverage that fits your real budget and long-term goals. You get options. You make the decision. There's no pressure either way and the relationship doesn't end once you're covered.
Life changes, new baby, new home, new job, new health situation and your coverage should keep up. Life Insured By Chris is here for the long term, whether that means reviewing your policy as your needs evolve, updating your beneficiaries, adjusting your coverage levels, helping you understand your benefits, or supporting your family through a claim when it matters most. This isn't a one-time transaction. It's ongoing protection with someone in your corner.
More carriers. Better options. Someone who actually works for you.
Book your free 15-minute coverage review today!
Why Work with Life Insured By Chris
Independent Guidance. Personalized Coverage. Protection You Can Trust.
1
You get real options, not a sales pitch
We are not locked into one company. We shop 30+ carriers to find what's actually best for you.
2
Wherever you live, we got you covered
Serving families across 20 states and growing.
3
We specialize in the people most companies overlook
Veterans, working professionals, those with health challenges, and first-time buyers who don't know where to start.
4
This isn't a one-time transaction
We are here when life changes, new baby, new home, new job, to make sure your coverage keeps up.
5
Dedicated to making life insurance
Simple, accessible, and stress-free.
Product Highlights
Making life insurance simple, affordable, and accessible for everyone. Browse the options below, then book a free 15-minute call, and we will tell you exactly what fits your situation and what it costs.
Carriers & Products
Life Insured By Chris is an independent brokerage and is not owned by, operated by, or exclusively affiliated with any one insurance company. We partner with top carriers known for financial strength and flexible underwriting. Through a free 15-minute coverage review, we compare options and match you with the carrier that offers the best coverage and value based on your health, needs, and goals.
Not Sure Which Carrier Is Right for You?
Every carrier on this list has different strengths and the right one for you depends on your age, health, budget, and coverage goals. Life Insured By Chris compares all of them on your behalf and only brings you the options that actually make sense for your situation. Book a free 15-minute call to find out which carrier gives you the best coverage at the best rate.
See My Coverage OptionsStates
Life Insured By Chris is licensed and actively serving clients across 20 states. Wherever you live, we shop 30+ top-rated carriers to find coverage that fits your budget, your health profile, and your family's needs. Select your state or city below to get started or book a free 15-minute coverage review today.
CALIFORNIA LIFE INSURANCE
California is one of the most competitive life insurance markets in the country, with costs of living that make income protection essential especially for families carrying mortgages in the Bay Area, LA, or San Diego. Life Insured By Chris compares plans from 30+ top-rated carriers to find coverage that makes sense at a California budget, without the confusion of going it alone.
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LIFE INSURANCE IN ANAHEIM, CALIFORNIA
Anaheim families deserve the same access to quality life insurance guidance as clients in California's more expensive metro areas. Anaheim CA residents can compare term life, whole life, final expense, and no-exam plans from 30+ top-rated carriers. Independent broker serving Orange County.
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LIFE INSURANCE IN BAKERSFIELD, CALIFORNIA
Bakersfield families deserve the same access to quality life insurance guidance as clients in California's more expensive metro areas. Bakersfield CA residents can compare term life, whole life, final expense, and no-exam plans from 30+ top-rated carriers. Independent broker serving Kern County.
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LIFE INSURANCE IN FRESNO, CALIFORNIA
Fresno families deserve the same access to quality life insurance guidance as clients in California's more expensive metro areas. Life Insured By Chris serves Fresno with the same personalized approach comparing 30+ carriers to find affordable term life, whole life, and no-exam options that fit your budget.
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LIFE INSURANCE IN IRVINE, CALIFORNIA
Irvine families deserve the same access to quality life insurance guidance as clients in California's more expensive metro areas. Irvine CA residents can compare term life, whole life, and no-exam plans from 30+ top-rated carriers. Independent broker serving Orange County.
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LIFE INSURANCE IN LONG BEACH, CALIFORNIA
Long Beach's diverse working community deserves access to affordable, honest life insurance guidance. Life Insured By Chris serves Long Beach residents across all income levels and health profiles, comparing 30+ carriers to find the right fit with no pressure and no runaround.
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LIFE INSURANCE IN LOS ANGELES, CALIFORNIA
Los Angeles residents carry some of the highest costs of living in the nation, making income protection critical for families and professionals alike. Life Insured By Chris compares plans from 30+ top-rated carriers to find coverage that fits an LA budget including no-exam options for fast approvals without the hassle.
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LIFE INSURANCE IN OAKLAND, CALIFORNIA
Oakland's resilient community of families and professionals needs coverage that's as strong as they are. Life Insured By Chris compares plans from 30+ top-rated carriers to find affordable options for Oakland residents across all health profiles including those who've been declined or quoted high rates before.
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LIFE INSURANCE IN SACRAMENTO, CALIFORNIA
Sacramento families and state government employees often assume their benefits package provides full coverage. Life Insured By Chris helps Sacramento clients understand exactly what they have and secures affordable private coverage to protect what their employer plan doesn't, comparing options from 30+ carriers.
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LIFE INSURANCE IN SAN DIEGO, CALIFORNIA
San Diego is home to one of the largest military and veteran communities in the country. Life Insured By Chris specializes in helping active duty service members, veterans, and their families find coverage that fills the gaps left by government plans with options from 30+ top-rated private carriers.
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LIFE INSURANCE IN SAN FRANCISCO, CALIFORNIA
San Francisco's sky-high cost of living means a family losing an income can face financial crisis almost immediately. Life Insured By Chris helps San Francisco residents find coverage that genuinely replaces income and protects mortgages comparing options from 30+ carriers to find the most competitive rates available in the California market.
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LIFE INSURANCE IN SAN JOSE, CALIFORNIA
San Jose's tech workforce is well-compensated and financially aware but many tech employees are underinsured because they rely entirely on employer-provided group coverage that disappears when they change jobs. Life Insured By Chris helps San Jose professionals secure portable, personal coverage from 30+ top-rated carriers.
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READY TO GET COVERED IN CALIFORNIA
No matter where you live, Life Insured By Chris will compare plans from 30+ top-rated carriers and find the right coverage for your situation at no cost and with zero obligation. Book your free 15-minute coverage review and get answers today.
See My Coverage OptionsFree Will Kit & Estate Planning
Protect What Matters. Plan for Their Future
Blog
The Life Insurance Playbook: A Broker’s Guide To Getting Covered Right
Procrastination is the most expensive life insurance mistake you can make. Read the real stories of families who waited and learn how to avoid joining them.
Read More5 min read
A life insurance denial isn't the end of the road. Discover why you were denied, which carriers specialize in high-risk applicants, and how to finally get the coverage your family needs.
Read More6 min read
The average funeral costs $10,000 or more and that's before hidden expenses most families never see coming. Learn how to protect your loved ones from a devastating financial surprise.
Read More5 min read
The answer may shock you. Learn how the sudden loss of income after an unexpected death can put your family home at risk and how life insurance can protect it.
Read More5 min read
Every year you wait to buy life insurance costs you more money and puts your insurability at risk. Discover why young adults who wait almost always wish they hadn't.
Read More5 min read
Debt doesn't always die with you. Learn which debts your family may be responsible for after you're gone and how life insurance can protect them from financial ruin.
Read More5 min read
If your family depends on your income, the stakes couldn't be higher. Find out exactly how much life insurance breadwinners need to protect their family's home, lifestyle, and future.
Read More5 min read
Been told you can't get life insurance because of a health condition? Think again. Discover how people with diabetes, high blood pressure, and other conditions can still get covered often affordably.
Read More5 min read
Dying without life insurance can leave your family drowning in debt, unable to pay the mortgage, and struggling to survive. Learn what's really at stake and how to protect them today.
Read More6 min read
Life insurance isn't just for death benefits. Discover 7 ways to use your policy to build wealth, cover emergencies, fund retirement, and protect your income while you're still living.
Read More9 min read
If you're a life insurance beneficiary, do you owe taxes on the money you receive? Here's exactly what the IRS says and the key exceptions you must know about.
Read More7 min read
Schedule a Consultation
We personally review your situation, compare coverage from 30+ top-rated carriers, and find the plan that fits your budget. Most families are surprised how affordable real life insurance coverage is, and it only takes 15 minutes.
- 1908 Spruce Drive Northwest, Washington, DC, USA
- Licensed In 20 States
- +1-(202) 641-5953 - Life Insured By Chris
- christopher.franklin@lifeinsuredbychris.com
- Monday – Friday: 8:00 AM – 5:00 PM EST Saturday: By Appointment Response Guaranteed Within 24 Hours Serving • Clients • Nationwide
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Contact
Making life insurance simple, affordable, and accessible for everyone.
(202) 641-5953
Life Insured By Chris
1908 Spruce Drive NW, Washington, DC 20012
Address
Mon - Fri: 8AM - 5PM (EST)
