Protect Your Future. Build Your Legacy

No-medical-exam life insurance, retirement planning, and financial protection personalized for you.

Trusted by hundreds of families across California, Texas, Arizona

100% Private & Secure Consultation

Veteran-Owned & Operated

5-Star Rated by California Clients

No-Obligation, Free Financial Review

1-on-1 Expert Consultation

Talk directly with a real insurance expert who listens, understands, and guides you every step of the way — no jargon, no pressure.

No Hidden Fees

Clear, upfront pricing — because surprises belong at birthdays, not in your insurance plan.

Fast Policy Issuance

From application to approval, we make the process quick and stress-free so you can get covered without the wait.

Legacy-Focused Planning

We help you protect your loved ones today while building a plan that carries your legacy for generations to come.

Services Overview

Protecting Futures. Preserving Legacies.

At Lineage Insurance Services, we believe that life insurance is more than a policy — it’s a promise. A promise to protect your family, secure your future, and build a legacy that lives beyond you.
We understand that life is full of uncertainties — and your financial security shouldn’t be one of them. That’s why we offer more than just insurance products. We offer personalized guidance, retirement readiness, and peace of mind.

Smart Insurance Solutions That Grow With You

Term Life Insurance

Protect your loved ones with cost-effective life insurance for a set period

Whole Life Insurance

Whole life insurance offers lifetime coverage plus a cash value component that grows over time

Final Expense Insurance

A simplified, affordable plan to cover burial, funeral, and medical costs. No medical exam, no complex underwriting.

Mortgage Protection Insurance

This coverage ensures that if something happens to you, your loved ones can continue living in your home.

Why We're Different

No Medical Exams — Instant Quotes

Get covered in minutes without lengthy health checks. Over 60% of our clients secure policies the same day they apply.

Free Debt Consultation with Licensed Experts

We help you assess your financial obligations to protect your loved ones fully. Clients have reduced up to 30% of debt risks through our guidance.

Not Cookie-Cutter Plan

Every policy is tailored to your family and business needs. 92% of clients say our approach gave them greater peace of mind.

Small Business Friendly Plans

Designed for entrepreneurs who want to protect partners, employees, and family. We help hundreds of small businesses secure affordable coverage every year.

Trusted by Families Across California

After losing my partner suddenly, our life insurance paid off the mortgage. I didn’t lose our home or our stability — just peace. Thank you, Michael, for walking us through everything when we needed it most.

I was drowning in $60k of credit card debt. Michael showed me how to use Whole Life with IBC to consolidate and borrow from myself. I’m on track to pay everything off by next year — and still build wealth.

We’re nearing retirement and were worried about leaving final expenses to our kids. We got approved for Final Expense coverage in 15 minutes. No stress, no exams. Just peace of mind.

Michael explained everything with patience. We didn’t feel sold to — we felt understood. We got term life insurance that protects our kids and mortgage for under $50/month.

As a small business owner, I was clueless about key person coverage. Michael set us up with a policy that protects my team and my family. I sleep better now.

I’ve always been nervous about insurance, but Michael made it simple. He walked me through every step and answered all my questions without rushing me. Now I have a plan that protects my family, just $42 a month.