No phone tag. No waiting. Check your rates instantly and apply 100% online.
Powered by Ethos Technology. Secure & Private.
The Fastest Way to Protect Your Family.
We’ve partnered with Ethos, a leader in insurance technology, to bring California families a completely modern way to buy term life insurance.
- 100% Online Process
From quote to application to activation—do it all from your phone or laptop. No paper forms to mail in. - No Medical Exams (For Most)
Most healthy applicants under 65 can qualify for coverage without a doctor’s visit or blood test. - No Sales Calls
See real numbers immediately. You won’t be bombarded by calls from a dozen random agents.
How to Get Covered in Minutes
- Click & Quote: Click the link below to enter some basic info (Age, Zip Code, Health).
- Customize: Adjust the coverage amount and term length (10, 15, 20, 30 years) to fit your budget.
- Apply: If you like the rate, submit your application instantly. Most decisions are made in minutes.
Who am I buying from?
Technology by Ethos, Service by Ryan Hearn.
When you click the link to get a quote, you are using Ethos’s secure quoting engine to browse policies from top-rated carriers (like Legal & General/Banner Life, Ameritas, etc.).
However, I remain your licensed agent of record.
Even though the process is automated, you aren’t alone. If you have questions about the application, need to make changes later, or just want a human opinion, I am right here in Santa Maria/SLO to help. You get the speed of a startup with the reliability of a local broker.
This Instant Process is Perfect If:
- [✓] You are between the ages of 20 and 65.
- [✓] You are in generally good health.
- [✓] You want coverage ranging from $50,000 to $2 Million.
- [✓] You value speed and convenience over a long consultation.
(Note: If you have complex medical history or need more than $3M in coverage, please contact me directly for a custom quote.)
Common Questions
- Is this “real” life insurance?
Yes. These are fully regulated Term Life Insurance policies from A-rated carriers. It is not “accidental death” or “burial” insurance. It pays out a tax-free lump sum to your family, just like a traditional policy. - Is it more expensive?
Not necessarily. Because the underwriting is automated and digital, costs are kept low. Many clients find these rates highly competitive with traditional paper-application policies. - What if I get stuck during the application?
The system is designed to be easy, but I am just an email or phone call away. Since I am the agent on the account, I can see where you are in the process and help you finish.
See your numbers right now.
No obligation. No credit card required to look.