Life Insurance

The best financial move you can make to prepare for the future.


Ted Anderson is a Licensed Broker with over 30 Life Insurance Companies.

Ted Anderson Insurance Services can help to provide the best financial protection for you and your loved ones when it matters most.

Call Us We Are Here To Help (619) 435-3636


What is life Insurance?

 Life insurance is a legal binding contract between you and an insurance company to enable my beneficiaries (inheritors) to receive financial welfare.

Why choose us?

Insurance companies cover the cost of having Ted Anderson as your personal and committed Life Insurance agent. That means you get our expertise and local care at no extra cost to you!


How does it work?

The life insurance application process usually takes between one and two months to complete.

1. Get A Free Life Insurance Quote ►

There's no reason to navigate the market on your own, we will guide you each step of the way.

2. Choose Policy ►

We will give you the information you need to determine how much insurance to buy and help you choose the product that is the right fit for you and your family.

3. Fill Out Application ►

Fill out an application online or contact us to get you started with the process.

4. *Health Assessment ►

The health assessment is a simple physical that is often required to determine your eligibility for a life insurance policy. A certified technician can come to your home or office at a convenient time for you.

5. Complete Phone Interview ►

An insurance representative will contact you to go over basic health-related and financial information as part of the underwriting process.

6. Wait For Approval ►

Risk assessment period in which the life insurance company underwriters will conduct an actuarial analysis and finalize price on premiums.

7. Sign Life Policy ►

The final step is to sign your life policy and submit your first premium payment to activate your life insurance policy.

Ready to get started?

Ted Anderson is a Licensed Independent Life Insurance Broker, with over 30 years of experience


*  most life insurance companies DO require medical exams, however, there are companies that do not. Ask us about No-Exam Life Insurance.

Prices for life insurance vary

Factors that determine life insurance rates
There are several factors that an insurance company will look at to determine the cost of your life insurance policy. During the underwriting process, the company will use these factors to determine how risky you are to insure and, in turn, the price of your policy.

  • The policy details: The type of policy you choose, along with the term length and coverage amount, influences the cost of your policy
  • Your health: Life insurance is all about risk, so the healthier you are, the cheaper your policy will be. If possible, buy life insurance when you’re feeling your healthiest.
  • Your age: The cost of a policy increases at a rate of 8-10% each year you put off buying one.
  • Your hobbies: Dangerous hobbies, like skydiving and scuba diving, may raise your rates.
  • Your gender: In general, men pay more than women for comparable policies.

The best approach to life insurance coverage is opting for an amount that will sustain beneficiaries’ lifetime. A good starting place is to find a policy that ensures benefits that are worth ten times your income. A good rule of thumb is the younger you are, the more coverage you should get. The typical amount of coverage for younger individuals is between $250,000 and $1,000,000. A reasonable estimate of coverage makes the difference between no coverage at all and enough to last as it is needed. To receive enough coverage,  consider factors related to your financial needs and expenses. 

Things to consider: 

  • Daily costs (raising children and monthly bills) 
  • Debt (loans, insurance, or credit cards) 
  • The amount of monthly income 
  • Death costs (funeral, memorial service) 
  • Health expenses (medical needs) 
  • Age (younger policyholders pay less) 

Preventing unexpected surprises

Understanding your Life Insurance Policy is crucially important, being aware of what your policy covers and what it does not. Here is a list of what is not covered.

  • Fraud and Dishonesty
  • Illegal Activities
  • Death by Substance Abuse
  • Act of War
  • Lapsed Premium Payment
  • *Suicide – prior to the two-year mark

*Beneficiaries of policyholders that die by suicide, usually within the first two years of taking out a policy, won’t receive a payout.

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Types of Life Insurance

All life insurance policies are tax-free money that goes to the beneficiary.

What is Term Life Insurance? 

Term life is a protective type of life insurance that ensures payment to your beneficiary if death should occur within the policy term. Premiums remain steady and it provides a death benefit but does not include a cash value. In its primary stages, it is the least expensive form of life insurance. Term life has an option to convert to permanent insurance.

Benefits of Getting a Term Life Insurance

  • Least expensive option 
  • Does not require payment for unnecessary coverage 
  • Provides sufficient coverage to pay off short-term expenses 

What is Term Life with Return of Premium Insurance?

Term Life with Return of Premium (TROP) is just like term insurance, however gives you the ability to get almost all the premium back, in 20 to 30 year time period.

Benefits of Getting a Term Life Insurance with Return of Premium 

  • Term plan with return of premium provides assured  returns on the total amount of premium paid

What Is Universal Life Insurance?

Universal Life Insurance is permanent life insurance with an investment component.  Premiums are split into two parts – one pays the insurance and the other is deposited into a savings account for investments. This type of life insurance allows for payment flexibility and puts overpaid amounts into the cash value which accrues over time. 

Benefits of Getting Universal Life Insurance? 

  • Covers immediate financial needs 
  • Offers adjustable payment times 
  • Features feasible cash-out option 


What Is Whole Life Insurance?

Whole Life Insurance is permanent lifetime coverage, it increases in cash value over time, and can establish a resourceful asset. Premiums remain steady or can be adjusted, and this policy offers stable or accumulating options for death benefits. 

Benefits of Getting Whole Life Insurance? 

  • Never expires 
  • Coverage does not decrease 
  • Offers a cash value 


Did You Know That Buying Life Insurance Now While You are Younger Will Save You Dollars and Reduce Financial Stress Later On

Most life insurance policies can replace lost income for family members, subsequently offering financial security for your loved ones.

With The Right Life Insurance Policy You Can

Pays for children’s education or student accumulated debt

Covers particular needs, such as paying off mortgage or consumer debt

Compensates business following the death of a key employee, or provides buy-out resources to surviving partner

Supplement retirement income through funds accumulation + burial expenses


Get A Free Quote From Trusted Life Insurance Companies

No obligation, just simply peace of mind for the hardworking breadwinner.

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