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Affordable Term Life Insurance in Orange County & Southern California
What is the best term life insurance in Orange County?
Pacific Direct Life Insurance offers affordable options starting at $20-30/month for $500K coverage, tailored for Southern California families. Protect your loved ones against high living costs in LA and Orange County with independent advice from Drew W. Napolin, CLU.
Get a free quote today at our Orange, CA office.
Serving Orange County, Los Angeles, and all of Southern California with personalized, independent advice.
Drew W. Napolin, CLU, your local life insurance broker in Orange County for affordable term coverage.
Meet Your Trusted Life Insurance Expert: Drew W. Napolin, CLU
Who is the best life insurance broker in Orange County?
Drew W. Napolin, CLU, started his career in life insurance at age 22 after earning a B.A. in Accounting from Cal State Fullerton. Holding the prestigious Chartered Life Underwriter (CLU) designation, Drew specializes in life insurance and estate planning. As an independent broker, he's not tied to any single company, allowing him to shop the entire market for policies that truly fit your needs—putting you first, always.
From his early days as a captive agent with John Hancock, Drew learned the limitations of overpriced whole life products. He shifted to independence to focus on affordable term life insurance, ideal for young families in Southern California facing high living costs. With decades of experience, Drew has written thousands of policies, expertly navigating health issues like high blood pressure, diabetes, or even higher body weights (helping clients up to 400 pounds secure coverage).
Using top-tier underwriters for informal inquiries, he ensures the best rates without stress.
Technology-driven and client-focused, Drew's principle is simple: match the right policy to the right person. If you're seeking honest, experienced advice on term life insurance in Orange County or Los Angeles, contact Drew today.
Our Life Insurance Services in Southern California
What life insurance services are available in Orange County?
We specialize in term life insurance, the most affordable option for protecting your family. Compare types in our table below:
| Term Life | 10-30 Years | $20-30/month | Young families, mortgages, income replacement |
| Whole Life | Lifetime | $200+/month | Estate planning, cash value accumulation |
| Universal Life | Lifetime (Flexible) | Varies | Customizable premiums, investment options |
80% of people choose term life for its affordability—up to 10-15x cheaper than whole life. We partner with carriers like Protective and Symetra for the best options.
- Term Life Insurance
- Life Insurance Options
Serving Orange County, Los Angeles & Southern California
Pacific Direct Life Insurance is located at 2230 W Chapman Ave, Ste. 235, Orange, CA 92868. With over 3 million residents in Orange County and rising costs in LA, affordable term life is essential.
- Orange County Life Insurance (link to /locations/orange-county-life-insurance)
- Los Angeles Life Insurance (link to /locations/los-angeles-life-insurance)
- Southern California Overview (link to /locations/southern-california-life-insurance)
Why Choose Pacific Direct Insurance?
- Independent: Shop 30+ carriers for the best rates.
- Expertise: Drew's CLU credential and 20+ years experience secure coverage even with health issues.
- Local Focus: Tailored for SoCal families—protect against high living costs with $1M+ coverage if needed.
- Results: Helped 500+ families secure $50M+ in coverage; 95% client retention.
[Insert Image Here: term-life-insurance-partners-logos-orange-county.jpg - Alt: Logos of trusted term life insurance partners serving Orange County and Southern California - Title: Our Life Insurance Carrier Partners in Los Angeles Area - Caption: Trusted partners like Pacific Life and Guardian for term life in Orange County.]
Partner logos: Pacific Life, Guardian, MassMutual. (https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/)
Calculator to determine life insurance amount for families in Orange County.
How Much Term Life Insurance Do You Need?
Use our simple calculator:
Common Questions About Life Insurance in Southern California
Term life provides coverage for 10-30 years at low costs, ideal for families. No cash value, but pure protection.
Rates typically range from $15 to $50 per month depending on age and health. For example, a healthy 35-year-old might pay around $25/month for a 20-year, $500,000 term policy.
Yes, Drew specializes in matching carriers lenient on conditions like diabetes or high BMI.
Ready to Protect Your Family?
Or call: 714-941-0234. Visit us at 2230 W Chapman Ave, Ste. 235, Orange, CA 92868.