Temporary coverage
Term Life Insurance
I help clients secure affordable coverage for a set period, providing a tax-free death benefit that can replace income, pay debts, or protect their family during key financial years.
Life insurance
The coverage we write, in plain English.
Chao Insurance is an independent brokerage focused on life insurance. Every case is quoted across multiple A-rated carriers and reviewed with you at renewal. If you need help with another line of insurance, call us anyway — we will point you to someone we trust.
Permanent · guaranteed
Whole Life Insurance
I help clients obtain lifelong coverage with predictable premiums, a guaranteed death benefit, and cash value that can build over time.
Permanent · flexible
Universal Life Insurance
I help clients get permanent life insurance with flexible premium and coverage options, allowing the policy to adapt as their income, family, or long-term needs change.
Permanent · index-linked
Indexed Universal Life Insurance
I help clients access permanent life insurance with flexible premiums and cash-value growth potential linked in part to a market index, while maintaining downside limits set by the policy.
Simplified issue
Final-Expense / Burial Insurance
I help clients obtain smaller, often easier-to-qualify-for life insurance coverage intended to reduce the financial burden of funeral expenses, medical bills, and other end-of-life costs.
Homeowner protection
Mortgage Life Insurance
I help homeowners protect their household from mortgage debt by arranging coverage designed to help pay the remaining loan balance if the insured dies.
Employers & groups
Group Life Insurance
I help employers and eligible groups offer life insurance coverage to members or employees, giving families valuable financial protection that may be more accessible than individual coverage.
Estate planning
Survivorship Life Insurance
I help couples obtain one policy that pays after the second insured person dies, supporting estate-planning goals, inheritance needs, and financial protection for heirs.
Speak with us
Not sure which policy fits? Call us.
A fifteen-minute conversation usually tells us which conversation to have next.