Term life
Cover for a set number of years, such as until the mortgage is paid off or the children are grown. Usually the most cover for the lowest cost.
Explore term lifeBuilt to protectthe people whocount on you.
Caliber Life pairs plain-language policies with a dedicated advisor, so your family's future is covered with precision.
- Plain-language policies
- One advisor, start to finish
- Free, no-pressure quotes
Lump-sum payoutto the people you name
Level premiumson whole life plans
Yearly reviewwith your advisor
Three plans. One clear place to start.
Most families need one of these. Not sure which? An advisor will help you pick.
Whole life
Cover for your whole life, with level premiums and a cash value that builds over time.
Explore whole lifeFinal expense
A smaller lifetime policy that pays for funeral costs and final bills.
Explore final expenseNot sure how much cover you need?
Answer four quick questions and see a starting point for your family. Your advisor will refine it with you.
Example: $60,000 income, 10 years of support, $200,000 in debts and $50,000 in savings suggests $750,000.
Open the cover estimatorFive steps from first question to covered.
- 01
Tell us about you
Share who depends on you and what you'd like covered.
- 02
Compare options
See plans side by side, with what each costs and why.
- 03
Apply
Answer a few health and lifestyle questions.
- 04
Get covered
Your cover begins once you're approved and your first premium is paid.
- 05
Stay current
We check in every year so your cover still fits.
What working with us looks like.
One advisor, start to finish
You'll talk to a real person who stays with you from your first question to your yearly review.
Every option, side by side
We show you the trade-offs, including the plans we wouldn't recommend and why.
No pressure to decide today
Quotes are free. Take the time you need and ask as many questions as you like.
Start with a quote. It takes about five minutes.
Plans
Three kinds of life insurance, explained without the jargon.
Term life
For the years your family depends on you most.
You pick a length of time, such as 10, 20 or 30 years. If you pass away during that term, your beneficiaries receive the payout. Because the policy doesn't build cash value, premiums are usually the lowest of the three types.
A good fit if
- You have a mortgage or young children
- You want the most cover for the lowest cost
Keep in mind
- Cover ends when the term does
- Renewing later usually costs more
- Length
- Fixed term you choose
- Cash value
- None
- Premiums
- Lowest to start
Whole life
Cover that stays with you, whatever your age.
Whole life lasts as long as you do, as long as premiums are paid. Premiums stay level, and part of what you pay builds a cash value you can borrow against later.
A good fit if
- Someone will depend on you for life
- You want to leave an inheritance
Keep in mind
- Premiums are higher than term for the same payout
- Cash value grows slowly in the early years
- Length
- Your whole life
- Cash value
- Builds over time
- Premiums
- Higher, but level
Final expense
A smaller policy for the costs no one plans for.
A modest lifetime policy sized to cover funeral costs, medical bills and small debts, so your family isn't left paying them out of pocket.
A good fit if
- You want to spare your family final costs
- You don't need a large payout
Keep in mind
- Payouts are smaller than other plans
- Some plans have a waiting period before the full benefit applies
- Length
- Your whole life
- Cash value
- Usually small
- Premiums
- Modest, fixed
The three plans at a glance.
| Feature | Term life | Whole life | Final expense |
|---|---|---|---|
| How long it lasts | A fixed term you choose | Your whole life | Your whole life |
| Cash value | None | Builds over time | Usually small |
| Size of payout | Large, chosen by you | Large, chosen by you | Small |
| Cost | Lowest to start | Higher, but level | Modest, fixed |
| Best for | Mortgages and raising a family | Lifelong dependants and legacies | Funeral and final bills |
Not sure which one fits?
Tell us about your family and what you'd like covered. An advisor will recommend a plan and explain why.
How it works
From your first question to your first premium, in five steps.
What to expect.
No surprises, and you can stop at any point.
Tell us about your situation
Share your age, who depends on you and what you'd want covered. It takes about five minutes.
Compare your options
An advisor walks you through plans side by side and explains what each costs and why.
Complete your application
Answer some health and lifestyle questions. Depending on the plan and amount, a medical exam may be needed.
Get covered
Once you're approved and your first premium is paid, your cover begins. You decide who receives the payout.
Keep it up to date
Life changes. We check in once a year so your cover still fits your family.
Questions people ask.
How much cover do I need?
A common starting point is around ten times your annual income, plus any debts, minus savings you already have. The estimator on the quote page does the sums, and your advisor will adjust for your situation.
Will I need a medical exam?
It depends on the plan, the amount and your age. Some policies need an exam and others only ask health questions. We'll tell you before you apply.
Who receives the money?
Whoever you name as your beneficiary. It can be one person, several people or a trust, and you decide how it's split.
Can I change my beneficiaries later?
In most cases, yes. You can update them whenever your family changes, unless you've made the designation irrevocable.
What if I miss a payment?
Most policies include a grace period before cover lapses. We'll explain how yours works, and how to catch up, before you sign.
Ready for step one?
About us
A small team that believes life insurance should make sense to the people who buy it.
Why we do this.
Aiden Akam started Caliber Life three years ago to help people stay protected, with coverage that's explained in plain language instead of buried in fine print.
Since then, we've helped numerous families put real protection in place and plan for the future with confidence.
What hasn't changed is how we work: explain first, sell second, and stay in touch after the paperwork is done.
Three things we promise.
We explain before we sell.
You'll understand what you're buying, what it costs and what it doesn't cover before you decide anything.
We'll tell you if you need less.
If a smaller or cheaper policy does the job, that's the one we'll recommend.
We stay in touch.
Your advisor checks in every year and after big life events, like a new home, a new baby or a new job.
Let's talk about your family.
Join our team
We're looking for driven people to build a career helping families get protected. No insurance experience required to start the conversation.
Why agents choose Caliber Life.
Full training and support
We help you get licensed and walk you through your first sales, so you're never figuring it out alone.
Flexible schedule
Work around the hours you already have. Many of our agents start part time alongside another job.
Uncapped commission
Your income is tied to your own effort, not a salary cap. What you build is yours.
Prefer to talk? Call (619) 396-4764 or email aiden@corsalife.com. Or .
Thanks for your interest, friend.
Send it to our team by email and someone will reach out at your preferred time, or call now if you'd rather talk.
Get a quote
Tell us a little about yourself and an advisor will come back with options that fit.
Prefer to talk? Call (619) 396-4764 or email aiden@corsalife.com. Or .
Your request is ready, friend.
Send it to our team by email and an advisor will reply with plans that fit your family, or call now if you'd rather talk.