It depends on your personal situation—your driving habits, the value of your vehicle, and your financial ability to cover costs in an accident. While California has state minimums for liability, those limits often aren’t enough to fully protect you. We help you understand what each type of coverage (liability, comprehensive, collision, uninsured motorist, etc.) means and recommend the right amount based on your risk level and budget.

To protect your family, buy term life insurance and invest the difference. Avoid Whole or Universal life insurance in pretty much all situations unless you have some very unique business or estate planning needs.

Yes. Most policies can be canceled at any time, and many offer a "free look" period (typically 10–30 days after purchase) to cancel for a full refund. Term policies can be dropped without penalty, while canceling whole life may involve surrender charges or impact your policy’s cash value.

Not always. Many life insurance providers offer no-exam or simplified issue policies, especially for lower coverage amounts. However, traditional policies with higher coverage often require a medical exam to assess your health and determine your premium.

Yes, you can name any person, trust, or organization as your beneficiary. Common choices include a spouse, child, parent, or partner. Just make sure the person or entity has an insurable interest (a legitimate financial or emotional connection to you), especially if required by your insurer. You can also name multiple beneficiaries and assign percentage shares.