California Families Deserve More than an Average Policy
The average California life insurance policy pays out $274,000. In a state where the average home costs far more than that — is it enough?
$23.1 Billion paid out to California families every year. That's $63.3 million. Every single day.
Source: American Council of Life Insurers, 2026
THE CALIFORNIA REALITY
10.2 Million California Families Have Life Insurance. Do They Have Enough?
There are 10.2 million individual life insurance policies in force across California right now. That sounds like a lot — until you look at the average.
The average California policy pays $274,000 at death.
Ask yourself: Would $274,000 pay off your California home? Replace your income for your family? Put your kids through school? Cover final expenses and still leave something behind?
In Los Angeles, San Francisco, San Diego, and Sacramento — where median home prices regularly exceed $600,000 to $1.2 million — $274,000 doesn't come close to covering the mortgage.
For most California families the answer is no. That's not a failure of intention. It's a gap — and gaps are what we close.
WHY TERM LIFE MAKES SENSE
The Most Protection for the Least Cost — While You Need It Most
Term life insurance is straightforward. You choose a coverage amount and a term length. If something happens to you during that time, your family gets paid. No games, no market risk, no guessing.
California Term Insurance makes the process simple — no medical exam required for most applicants, decisions in minutes, and coverage that actually matches what California families need today.
California has the highest cost of living in the nation. Your life insurance should reflect that reality.
CALIFORNIA BY THE NUMBERS
Life Insurance Is Already Working for California
$23.1 Billion paid in life insurance and annuity benefits to California families annually
$63.3 Million paid out every single day in California
10.2 Million individual policies in force in California
$274,000 average death benefit — still not enough for most California families
385 life insurance companies licensed to do business in California
212,500 jobs generated by the life insurance industry in California
$1 Trillion invested into California's economy by life insurers
HOW IT WORKS
Three Steps to Protecting Your California Family
Get your quote — answer a few questions, no medical exam required for most
Choose your coverage — pick the amount and term that fits your family's real needs
Get covered today — policies issued fast, protection starts immediately
Trusted by Thousands.
California Term Insurance is one of California's most trusted life insurance platforms with thousands of five-star reviews from real customers.
Excellent prices for insurance policies...especially considering NO EXAM!”
“It took 5 minutes and I was insured instantly for 1.2 million.”
“Loved how easy it was to compare and customize the policy coverage amount.
Loved the bonus complimentary estate planning aids.”
Georgia Term Insurance has brought me so much relief knowing my family will be taken care of.”
Fast, simple, and exactly what my family needed." "No exam, no hassle. Had coverage the same day." "Finally understood what I was buying. Couldn't be easier.
Even if you're not ready to buy — wouldn't you want to know what it costs to protect your family?
Every day in California, $63.3 million is paid to families who planned ahead. The question isn't whether life insurance works — it's whether yours is enough.
California has the highest cost of living in America. Make sure your coverage reflects that.
We make it simple to find out — and easier to fix it.
California Term Insurance is an independent insurance agent website. Policies are issued by Ethos Life Insurance Company and its carrier partners listed at ethoslife.com/carriers. Products and features may not be available in all states. Coverage is subject to eligibility and underwriting approval. Licensed insurance agent, state of California. NPN: 4521714. California Department of Insurance: 800-927-4357 | insurance.ca.gov
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