Jacob
"Thank you Drew for the solid advice on my term life insurance options. I greatly appreciated the time you took to explain everything to me. I'm happy…"
Independent Broker · Orange County, California
Life insurance for the people other brokers turn away.
40+ years experience / CLU certified
Independent Broker · Orange County, California
Life insurance for the people other brokers turn away.
Diabetes, high blood pressure, higher BMI, prior declines. I know which carriers say yes and which won't bother applying to. Independent broker. Dozens of carriers. A straightforward process.
Your broker
Drew Napolin, CLU
A Different Approach
Other brokers take ‘no’ for an answer.
I don't.
After forty years, I know which carriers approve those with diabetes, hypertension, higher BMI, and prior declines. I run informal inquiries with underwriters before any formal application. We don't apply until I know who's going to say yes.
Cases I specialize in
What I Offer
Five ways to protect your family.
Most Popular
Term Life Insurance
Affordable coverage for a set period. Where most families start.
Learn moreWhole Life Insurance
Permanent coverage that builds cash value over the life of the policy.
Learn moreUniversal Life Insurance
Permanent coverage with flexible premiums and adjustable benefits over time.
Learn moreFinal Expense Insurance
Smaller policies designed to cover burial and end-of-life costs.
Learn moreNo Medical Exam Insurance
Faster approvals without an in-person medical exam.
Learn more ✤
Read My Full Story"My first role was as a captive agent with John Hancock. I could only offer their products, most of which were overpriced whole life. So I went independent. The client comes first, I come second, and the insurance company comes last."
How It Works
No application until I know who's going to approve you.
Tell me your situation
Call, email, or fill out the form. I'll ask about your health, coverage needs, and budget.
Informal carrier inquiry
I run your profile past underwriters at multiple carriers before any formal application. No commitment, no record.
The right application
We apply only to the carrier most likely to approve you at the best rate. No guesswork.
Approval and policy
Most cases close in 2 to 4 weeks. You get a policy that fits your situation at a rate that makes sense.
What Clients Say
Hear it from the people I've worked with.
julien
"Drew is the best! He helped me understand my life insurance needs and purchase a great policy. I was surprised to learn how affordable term life…"
Alexander
"I contacted Drew at Pacific Direct for term life insurance to protect my family. He educated me and found me a big policy with a great company at a…"
Where I Work
Based in Orange County. Licensed across California.
Primary
Orange County
Southern California
Los Angeles, San Bernardino, Riverside, San Diego, and Ventura Counties
Statewide
Phone and video consultations available for any California resident. You don't need to be local to work with me.
Common Questions
Before you call.
Will being on insulin disqualify me from life insurance?
No. Many carriers offer competitive rates for Type 2 diabetes that's well-managed. The key factors are your A1C level, medications, and how long ago you were diagnosed. I know which carriers are most lenient and I'll match you accordingly.
How much does term life cost for someone in their 40s?
For a healthy 40-year-old non-smoker, a $500,000 20-year term policy typically runs $30 to $50 per month. Health conditions, smoking, and coverage amount shift the range. I run real quotes from multiple carriers so you see the real numbers.
What if I've already been turned down by another broker?
That's what I specialize in. Different carriers have very different underwriting guidelines. A decline from one carrier often means the previous broker didn't know where to look. I run informal inquiries to find who will say yes before we ever apply.
Do I need a medical exam?
Not always. Many carriers now offer no-exam policies for coverage up to $500,000, depending on age and health. For larger policies, a basic exam (blood draw and measurements) is usually required but can often be done at your home.
How long does the whole process take?
From first call to active policy, most cases close in 2 to 4 weeks. No-exam policies can be faster. I handle the paperwork and follow up with the carrier so you don't have to.
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Ready to talk?
A free conversation, on your schedule. Call or fill out the form and I'll get back to you.