Insurance built around the life you are protecting.
Chao Insurance is an independent brokerage. We are currently writing life insurance policies — including term, whole life, and indexed universal life — and provide expert advice and trusted referrals across property, casualty, and health. We shop the market so you do not have to, then stay with the policy long after it is bound.
One broker.
Every policy you need.
We are currently writing life insurance — including IUL — and licensed in property, casualty, and health for expert advice and referrals. No single carrier dictates what we recommend.
Explore all services →Life Insurance
Currently writing — term, whole, and universal life policies sized to actual income, debt, and dependents.
Indexed Universal Life
Part of our life practice. Permanent coverage with tax-advantaged cash value tied to a market index, downside-protected.
Property & Casualty
Advice & referrals — licensed but not currently writing. We will review your coverage and refer brokers we trust.
Health Insurance
Advice & referrals — licensed but not currently writing. Talk through your plan and we will point you to a specialist.
From an Allstate office in DC to an independent practice you can call directly.
I am Sean Chao. I have been licensed in insurance since 2018, when I opened my own Allstate brokerage in Washington, D.C. After returning from a U.S. military deployment to the Middle East in 2020, I went independent — because the families I serve deserve a broker who can shop the entire market, not a single carrier's shelf.
I hold lines of authority in property, casualty, life, and health, and at this time I am actively writing life insurance policies — including indexed universal life. For the other lines, I provide expert advice and referrals to brokers I trust. Every quote is mine. Every renewal review is mine. There is no call center between us.
Read the full story →A simple, unhurried process.
Call or write
A short conversation about what you own, who depends on you, and what you are trying to protect.
We shop the market
We pull quotes across top-rated carriers and walk you through the trade-offs in plain English.
Bound and reviewed
Policy is placed, documents arrive, and we revisit coverage with you every renewal cycle.
Talk with a licensed broker today
Free, no-obligation quotes. Most callers reach Sean directly.
From the brokerage desk.
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