San Diego Annuity Shop Logo

Thoughtful life insurance planning

Life insurance for San Diego families & professionals

From straightforward term coverage to long-term cash-value plans, we help design life insurance that fits your financial plan and quietly protects the people and goals that matter most.

Coverage built around real life

Most families don't need something complicated. They need coverage that fits their season of life, their budget, and the people they're protecting.

Term life

Straightforward protection for key years

10-30 year coverage designed to replace income, protect your family, or complement a mortgage. Often the most efficient way to create a solid safety net.

Mortgage protection

Keeping the home in the family

Coverage aligned with your loan that helps a spouse or family member stay in the home if something happens, often with living-benefit features built in.

Final expense

A simple plan for end-of-life costs

Typically smaller, permanent policies designed to cover funeral expenses and related costs so family members can focus on arrangements, not invoices.

Permanent & cash-value

Long-term protection with flexibility

Whole life and indexed universal life options that combine lifelong coverage with the potential for tax-advantaged cash value, often used for legacy planning and added flexibility in retirement.

A calm, guided decision, not a rushed one

Our role is to help you see what you already have, what gaps might exist, and which type of coverage fits cleanly into the rest of your financial picture.

Step one

Clarify your priorities

Who are we protecting? For how long? And what do you want life to feel like for your family if a claim is ever needed?

Step two

Align coverage with your budget

We compare options across multiple carriers, focusing on benefits, comfort, and fit—not just the lowest headline price.

Step three

We take care of the details

From application to underwriting to policy delivery, we handle everything so you can feel organized and confident.

Interested in a life insurance review?

Whether you're starting fresh or reviewing existing policies, we can walk through your options together and make sure your coverage aligns with the life you're actually living.

Reach out directly anytime

Brian Schafer

(619) 357-6823brian@sandiegoannuityshop.com

Smarter protection. Built for growth.™