Affordable life insurance explained in plain English by a licensed agent who takes the time to listen.
Prefer to talk it through? Call any day between 7am and 8pm Pacific.
Most people need one of these three plans. Not sure which? We'll help you choose, and we'll tell you honestly if you need less.
Leave your family memories, not bills.
A smaller, lifelong policy that helps pay for funeral costs, medical bills and other final expenses.
Lifelong protection and a legacy.
Permanent coverage with level premiums and a cash value that grows over time.
The most coverage for the lowest cost.
Protection for a set number of years, such as until your mortgage is paid off.
Nobody wants their children or grandchildren scrambling to pay for a funeral while they grieve. A simple final expense or whole life policy can take that worry off their shoulders for good.
The median cost of a funeral with viewing and burial in the U.S.
Source: National Funeral Directors Association, 2023No complicated forms and no pushy salespeople. Just three easy steps.
Call us, or fill out a short form and we'll call you at a time that suits you.
We'll explain your options in plain English and find a plan that fits your budget.
Answer a few health questions. Once you're approved and your first payment is made, your family is protected.
You'll have one agent who knows your name, answers your calls and checks in every year.
We explain what you're buying, what it costs and what it doesn't cover before you decide anything.
Quotes are free. Ask as many questions as you like and talk it over with your family first.
"I started Caliber Life so people could get real protection, explained in plain language instead of buried in fine print. We explain first, sell second, and we stay in touch after the paperwork is done."Aiden Akam, Founder of Caliber Life
Many people in their 60s, 70s and even early 80s can still get coverage, especially final expense plans. What's available depends on your age, health and the insurance company. A quick call is the easiest way to find out what you qualify for.
Not always. Many final expense and smaller whole life plans only ask a few health questions. Larger policies may need an exam. We'll tell you before you apply.
With whole life and final expense plans, your premium is usually locked in and stays the same for life. Term life premiums are set for the length of the term you choose.
The money goes to the person you choose, and they can use it however they need: funeral and burial costs, medical bills, credit cards or other debts you leave behind.
Most policies include a grace period before coverage ends. We'll explain exactly how yours works, and how to catch up, before you sign.
Yes, quotes are completely free, and there's no obligation. If a plan isn't right for you, we'll say so. You're always welcome to take time to think it over.
Talk to a licensed agent for free. It takes about 10 minutes, and there's no obligation.
Three kinds of life insurance, explained without the jargon.
For the costs no one plans for.
A modest lifelong policy sized to cover funeral costs, medical bills and small debts, so your family isn't left paying them out of pocket during an already hard time.
Coverage 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.
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, the people you name receive the payout. Because the policy doesn't build cash value, premiums are usually the lowest of the three.
| Feature | Final Expense | Whole Life | Term Life |
|---|---|---|---|
| How long it lasts | Your whole life | Your whole life | A set number of years |
| Size of payout | Smaller | Larger, you choose | Larger, you choose |
| Cost | Modest and fixed | Higher, but level | Lowest to start |
| Cash value | Usually small | Builds over time | None |
| Best for | Funeral costs and final bills | Lifelong protection and legacies | Mortgages and family income |
Tell us a little about yourself. A licensed agent will recommend a plan and explain why.
From your first question to your coverage starting. No surprises, and you can stop at any point.
Call us or fill out a short form. We'll ask your age, your state and what you'd like covered.
A licensed agent walks you through your choices and explains what each one costs and why.
Answer some health questions over the phone. Depending on the plan and amount, a medical exam may be needed.
Once you're approved and your first payment is made, your coverage begins. You decide who receives the money.
Life changes. We check in once a year so your coverage still fits your family.
It depends on what you want to protect. Final expense plans are often sized to cover a funeral and final bills. If people rely on your income, a larger whole life or term policy may make sense. Your agent will help you find an amount that fits your budget.
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.
Whoever you name as your beneficiary. It can be one person, several people or a trust, and you decide how it's split.
In most cases, yes. You can update them whenever your family changes, unless you've made the designation irrevocable.
Most policies include a grace period before coverage ends. We'll explain how yours works, and how to catch up, before you sign.
A small, local team that believes life insurance should make sense to the people who buy it.
Founder, Caliber Life
(619) 324-9454 3131 Camino Del Rio North, Suite 355Aiden 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 many 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.
You'll understand what you're buying, what it costs and what it doesn't cover before you decide anything.
If a smaller or less expensive policy does the job, that's the one we'll recommend.
Your agent checks in every year and after big life events, so your coverage keeps up with your life.
We're looking for driven people to build a career helping families get protected. No insurance experience required to start the conversation.
We help you get licensed and walk you through your first sales, so you're never figuring it out alone.
Work around the hours you already have. Many of our agents start part time alongside another job.
Your income is tied to your own effort, not a salary cap. What you build is yours.
Prefer to talk? Call (619) 324-9454 or .
Your information was sent to the Caliber Life team, and someone will follow up at your preferred time.
Answer a few simple questions and a licensed agent will call you with options that fit your budget. No cost, no obligation.
It takes about 2 minutes. Fields marked optional can be skipped.
A licensed agent will call you at your preferred time. If you'd rather talk now, give us a call.
How we collect, use and protect your information.
Last updated: October 17, 2026
This Privacy Policy explains how Caliber Life ("we," "us" or "our") collects, uses and shares information when you visit caliberlifeusa.com (the "Site"), call us, chat with our website assistant or request a quote. By using the Site, you agree to the practices described here.
We do not ask for your Social Security number, bank or card details, or medical records through this Site. Please do not send them to us here.
We do not sell your personal information. We share it only as needed to serve you:
If you give us your phone number and agree to be contacted, we may call or text you about life insurance, including by automated means. You can opt out at any time by telling the agent, replying STOP to a text, or contacting us using the details below. Agreeing to be contacted is never a condition of buying insurance.
We use Google advertising tags to understand which ads bring visitors to the Site and whether those visitors call or request a quote. You can control cookies through your browser settings and manage Google ad personalization at adssettings.google.com.
The chat assistant on the Site is an automated tool. Messages you type are processed by our service provider to generate replies, and if you ask to be contacted, the details you share are sent to our team. Please don't share sensitive information such as health details or financial account numbers in the chat.
We use reasonable administrative, technical and physical safeguards to protect your information. No method of transmission over the internet is completely secure, but we work to keep your information safe.
We keep your information for as long as needed to serve you, provide your policy service, and meet our legal and regulatory record-keeping obligations.
If you live in California, you may have the right to know what personal information we've collected about you, to ask us to correct or delete it, and to opt out of the sale or sharing of your personal information. We do not sell personal information. To make a request, call or email us using the details below. We will not treat you differently for exercising your rights. Residents of other states may have similar rights under their state's laws.
The Site is meant for adults. We do not knowingly collect information from anyone under 18.
We may update this policy from time to time. The date at the top shows when it was last changed.
Caliber Life
3131 Camino Del Rio North, Suite 355, San Diego, CA 92108
Phone: (619) 324-9454
Email: aiden@corsalife.com
The rules for using our website.
Last updated: October 17, 2026
These Terms of Use ("Terms") apply to your use of caliberlifeusa.com (the "Site"), operated by Caliber Life ("we," "us" or "our"). By using the Site, you agree to these Terms. If you don't agree, please don't use the Site.
The content on the Site is general information about life insurance. It is not legal, tax, financial or medical advice, and it is not an offer of insurance. Coverage, pricing and eligibility depend on your age, health, state of residence and the insurance company's underwriting. Speak with a licensed agent about your situation.
Any quote, estimate or plan description you receive through the Site, our chat assistant or by phone is for information only. Coverage begins only when an insurance company approves your application, issues a policy and receives your first premium. The terms of your policy are set by the insurance company and the policy itself.
Caliber Life is an insurance agency. Policies are issued by the insurance companies named in your application and policy, not by Caliber Life. Products and features may not be available in every state.
When you submit a form or ask our assistant to have someone contact you, you agree that Caliber Life may contact you by phone call, text message or email at the information you provided, including by automated means, about life insurance or the career opportunity you asked about. Consent is not a condition of purchase. You can withdraw consent at any time by telling us, replying STOP to a text, or contacting us below. Message and data rates may apply.
The chat assistant is an automated tool. It can make mistakes and cannot give personal advice, approve coverage or provide a binding quote. Always confirm details with a licensed agent.
You agree to give accurate information and to use the Site only for lawful purposes. Don't attempt to interfere with the Site, submit false information, or use automated tools to collect content from it.
The text, design, logos and other content on the Site belong to Caliber Life or its licensors. You may view and print pages for your personal use, but you may not copy or reuse our content for commercial purposes without permission.
The Site may link to other websites. We aren't responsible for their content or privacy practices.
We work to keep the Site accurate and available, but it is provided "as is," without warranties of any kind. We don't guarantee that the Site will always be error-free or uninterrupted.
To the fullest extent allowed by law, Caliber Life will not be liable for any indirect, incidental or consequential damages arising from your use of the Site. Nothing in these Terms limits any rights you have under your insurance policy or applicable insurance law.
These Terms are governed by the laws of the State of California, without regard to its conflict of law rules.
We may update these Terms from time to time. The date at the top shows when they were last changed. Continuing to use the Site means you accept the updated Terms.
Caliber Life
3131 Camino Del Rio North, Suite 355, San Diego, CA 92108
Phone: (619) 324-9454
Email: aiden@corsalife.com
Important information about who we are and the insurance we offer.
Last updated: October 17, 2026
Caliber Life is a life insurance agency located at 3131 Camino Del Rio North, Suite 355, San Diego, CA 92108. Our agents are licensed to sell life insurance in the states where they do business.
California insurance license number:
Policies are issued and backed by the insurance companies named in your application and policy, not by Caliber Life. Each insurance company is responsible for paying claims under its policies.
Products, features, ages and coverage amounts vary by insurance company and state, and may not be available everywhere. All coverage is subject to the insurance company's underwriting and approval.
Some final expense and guaranteed-acceptance plans have a waiting period, often two years, before the full death benefit is paid for deaths from natural causes. Your agent will explain any waiting periods, exclusions and limitations before you apply, and they will be described in your policy.
Our agents are typically paid a commission by the insurance company when a policy is issued. This does not increase the premium you pay.
Please contact us first at (619) 324-9454 or aiden@corsalife.com. You can also contact your state's department of insurance. In California, that's the California Department of Insurance consumer hotline at 1-800-927-4357.
Automated assistant. It can't give personal advice or a binding quote.
