About Pacific Direct Insurance: Your Independent Life Insurance Experts in Southern California
What is the best independent life insurance broker in Orange County?
At Pacific Direct Life Insurance, located at 2230 W Chapman Ave, Ste. 235, Orange, CA 92868, we specialize in affordable term life insurance for families in Orange County, Los Angeles, and the greater Southern California area.
Led by Drew W. Napolin, CLU, our independent brokerage puts your needs first, shopping top carriers to secure the best rates. With 51% of Americans holding life insurance but many lacking adequate coverage, we're here to bridge that gap with honest, expert advice. Get personalized protection starting at $25-35 per month for $500K coverage.
Drew W. Napolin, CLU, your local life insurance broker in Orange County for affordable term coverage.
Meet Drew W. Napolin, CLU: Your Trusted Life Insurance Advisor in Orange County
My career began in life insurance at age 22. After earning a B.A. in Accounting from Cal State Fullerton, I obtained the CLU (Chartered Life Underwriter) designation. This advanced credential is for professionals specializing in life insurance and estate planning.
From the start, independence has been my guiding principle, not being tied to any single insurance company. Independence lets me shop the entire market and recommend policies that are genuinely in the client’s best interest, not just what is available.
My first role was as a full-time agent with John Hancock Life. As a captive agent, I could offer only their products, most of which were overpriced and focused on whole life insurance. While whole life makes sense in certain situations, it is not the best fit for young families trying to protect their future on a tight budget.
At that point, I shifted to become a truly independent broker and opened my own shop in Orange, CA. This model always places the client first; I come second, and the insurance company comes last.
Over the years, I have written thousands of life insurance policies and gained deep experience with various health issues and their impact on insurability. I’ve developed a sharp eye for matching clients with carriers based on their unique health profile. Whether blood pressure, cholesterol, diabetes, or body composition, I know which companies are most likely to offer the best rates. Some carriers are much more lenient than others.
For example, I have helped clients weighing 300 to 400 pounds secure affordable coverage, something they never thought possible, because I knew exactly where to look. To many, it feels like a miracle; to me, it is simply knowing the system better than most.
Top-tier independent underwriters provide early insight into likely pricing before submitting a formal application. These informal inquiries test the waters with multiple carriers, allowing selection of the one that views the client’s profile most favorably. This approach saves time, stress, and money for clients.
Technology and innovation have been key tools throughout my career, not only for efficiency but also for outpacing the competition. At the core of my work is a simple principle: matching the right policy to the right person every time.
If you are looking for honest, experienced, and truly independent life insurance advice, you are in the right place.
With over 20 years of experience, Drew has helped hundreds of families in Southern California secure more than $50 million in coverage, focusing on term life insurance that's up to 10-15x more affordable than whole life options. In 2025, as life insurance premiums average $26 per month nationwide, Drew ensures Orange County and LA residents get competitive rates.
Our Expertise in Term Life Insurance for Southern California
As an independent broker, we partner with top-rated carriers like Pacific Life, MassMutual, Guardian, State Farm, Protective, and Northwestern Mutual—ranked among the best for term life in 2025. This allows us to offer competitive rates tailored to local needs, where rising costs make protection essential.
Did you know? In 2025, the U.S. life insurance market is projected to reach $1.34 trillion in gross written premium, with total premiums paid for individual life insurance at $16.2 billion in 2024.
Why Choose Pacific Direct Insurance?
- Independent Advice: Shop 30+ carriers for the best fit, unlike captive agents limited to one company.
- Health-Focused Matching: Expertise in securing coverage for conditions like diabetes or high BMI, often at standard rates.
- Local Knowledge: Serving Orange County and LA with policies to match high living expenses.
- Technology-Driven: Use informal underwriting and online tools for fast, stress-free quotes.
Our mission:
Provide affordable term life insurance that protects Southern California families without breaking the bank.
Our Core Values: Experience, Expertise, Authoritativeness, and Trustworthiness
We live by Google's E-E-A-T framework to ensure every interaction builds confidence. Experience: 25+ years navigating SoCal's unique challenges, like high living costs (median OC home $1M+ per Zillow 2025). Expertise: CLU-certified knowledge in term, whole, and universal life, including specialized riders for health issues. Authoritativeness: Backed by affiliations with industry leaders and contributions to financial blogs. Trustworthiness: Transparent processes, no hidden fees, and a track record of ethical advice. Clients like those facing "life insurance for diabetes patients in Santa Ana CA" trust us for honest assessments. External validation: We're rated highly on platforms like Better Business Bureau and align with LIMRA's push for consumer education in 2025.
- Client-First Approach: Free consultations and needs analyses tailored to your life stage.
- Innovation: Embracing 2025 trends like AI-driven quoting for faster "life insurance quotes orange county ca affordable options."
- Community Focus: Supporting local causes in Orange County to give back.
What Sets Us Apart in the Southern California Life Insurance Market
In a crowded field, our independence shines. Unlike captive agents, we aren't tied to one company, allowing us to find the best rates for scenarios like "best universal life insurance for variable income in Long Beach CA." We specialize in underserved niches: Seniors seeking no-exam options (42% of non-owners cite barriers per LIMRA 2025), families building wealth through cash-value policies, and professionals with health challenges. Our process is simple: Assess needs via our calculators, compare carriers, and customize—often approving policies in days.
Our Commitment to Southern California Communities
Rooted in Orange County, we understand local nuances—from high education costs (UCI tuition ~$15K/year) to wildfire risks affecting insurability. We serve diverse areas: Orange County for family-focused plans, Los Angeles for urban professionals. Whether it's affordable life insurance for high-risk occupations in Anaheim or estate planning in Costa Mesa, we're here.
Client Testimonials: Voices of Satisfaction
Why Choose Us for Your Life Insurance Needs in Orange County?
| CLU Credential & 20+ Years Experience | Expert guidance on term life, estate planning, and health-impacted policies. | Inexperienced agents often overlook tax-saving strategies. |
| Independent Brokerage | Access to top carriers like Pacific Life and Guardian for competitive rates. | More options mean better pricing and coverage fit. |
| Client-First Approach | 95% retention rate; helped 500+ families secure $50M+ in coverage. | High retention proves trust and consistent results. |
| Local Focus in SoCal | Tailored advice for Orange County and LA, where 51% have coverage but many are underprotected. | Regional expertise ensures plans fit local costs and risks. |
Frequently Asked Questions About Our Agency
Our independence, CLU expertise, and focus on SoCal needs set us apart. Explore our services here.
Independence means we shop multiple carriers like MassMutual and Protective for the best rates, unlike captive agents stuck with one company.
Drew W. Napolin, CLU, is an independent broker specializing in affordable life insurance for Southern California families.
Yes—Drew's expertise matches you with lenient carriers, securing affordable coverage even for higher weights or conditions like diabetes.
Averages $25-35/month for $500K/20-year term for healthy 30-year-olds, varying by age and health. Get quick estimates on our tools page.
Yes, for various policies, though they may involve health questionnaires or higher premiums depending on the insurer and policy type.
Ready for Personalized Life Insurance Advice?
Contact Drew today for a free consultation on term life insurance in Orange County or Los Angeles.
Or call: 714-941-0234. Visit us at 2230 W Chapman Ave, Ste. 235, Orange, CA 92868.