Find the right life

insurance policy to give you and your

family peace of mind

Take the steps today to protect your family tomorrow

Get Started

Find the right life

insurance policy to give you and your

family peace of mind

Take the steps today to protect your family tomorrow

Get Started

Get Life Insurance In 3 Easy Ways Without A Medical Examination

Fixed Premiums & Benefits

Choose Life Insurance Plans That Work For You & Fit Your Budget

1.Tell Us About Yourself

Answer a few easy questions. This will Filter over 670,000 policy options down to the ones that fit your personal needs.

2.Get Quotes:

Various quotes will be recommended specifically for you. Easily view and compare the options and then select one or a few.

3.Apply For Coverage

We will walk you through the application. We will try and get you immediate coverage so that you are protected from Day One.

Kal Sandhu
The Insurance Chap

Licensed Independent Insurance Broker

Kal Sandhu is an independent Life & Health Insurance Broker licensed in multiple states and represents multiple Insurance Carriers to offer various insurance products to clients in order to protect families. His education background includes a BS in Business & BA in Economics from the University of San Francisco where he also excelled In National Collegiate Soccer; and an MBA from the University of Phoenix. With his extensive experience in business, he strives to get the best policies for his clients to fit their respective budgets; and protect clients’ retirements through Fixed Income Annuities. Kal is very active in the community and regularly volunteers with homeless shelters and food programs.

Contact Me

we provide

Featured Services

We provide concierge and personal services, plus a self-service portal.

Term Life

This is the cheapest form of life insurance for up to a period of 30 years. Some plans come with a money back option once the policy has termed out.

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Whole & Indexed
Universal Life

Whole life provides permanent life insurance and a cash value savings component. Indexed Universal Life is like Whole like with added features like growing the cash value through an equity index account.

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Final expense

A Whole Life policy for seniors to cover medical expenses and funeral expenses when you pass away.

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Mortgage Protection

A term policy that helps with mortgage payments in the event of death.

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Retirement Plans

Protect orphaned 401K accounts, IRAs, & Cash through Fixed Indexed Annuities.

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Individual & Group Health, Dental ...

Get plans that fit you or your company. These Include Obamacare(ACA) plans & health sharing.

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Short/Long Term Plans, And Cancer...

Special health plans that fit your personal needs and requirements.

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Medicare/ACA (Obamacare)

Federal program for those 65 years and older; certain younger people with disabilities and Obamacare review qualified.

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Lower Your Workman Comp Costs

If your company is owed workmen compensation or the insurer unpaid you

cick here

Travel & Visitors Medical Insurance

Plans that include coverage for unexpected accidents & illness, lost baggage, flight delays, etc.

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Self Service Portal

Term & Final Expense Only

Get Instant Approval

Need Funding?

Use the funding for anything you need to start or grow your business or personal use.

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Testimonials

What people are saying

I invited Kal to present life insurance policies to my business networking group. Boy! were we surprised to learn that life insurance is not just a benefit to the beneficiaries but can also provide long-term care through living benefits; help retain key employees; create a cash value to use for kids’ college or as a down payment for a house! Kal educated us about life insurance. Everyone needs life insurance and there is no better broker than Kal; I highly recommend him.

P. Conlon

Being the beneficiary, I reached out to Kal as my mother passed away. He took it upon himself to get all the paperwork and help me with the process of the claim to make sure that we get the funds to cover my mother’s burial expenses. He also helped me to get a $ 500,000 policy, with living benefits, so that I don’t leave any financial burden on my children. Kal is simply the best in the business.

Sophia T

Kal was the only broker who managed to get a policy for my late husband. After, my husband passed away Kal worked diligently to get me the death benefit from AIG

Carmen MacLeod

Kal Sandhu is the most reliable, honest, and professional person that I trust. With his experience, he was able to provide coverage for me that fit my budget so that my family would be protected

Vaisiliva Feao

As I am getting older and thinking of getting married and settling down I wanted to make sure that I was covered through a policy that would only absolve any financial burden to my family but also create a cash value that I can use. Kal was so clear and educated me about the choices I had and to do it the most efficient way. I highly recommend Kal and he is hardworking and dedicated to his clients.

D. Martinez

P. Conlon

Sophia T

Kal was the only broker who managed to get a policy for my late husband. After, my husband passed away Kal worked diligently to get me the death benefit from AIG

Carmen MacLeod

Kal Sandhu is the most reliable, honest, and professional person that I trust. With his experience, he was able to provide coverage for me that fit my budget so that my family would be protected

Vaisiliva Feao