Life & Health Insurance

Life insurance protects the people who depend on your income; health coverage decides how you access care. Term life covers a set period at the lowest cost per dollar of benefit; permanent life lasts a lifetime and builds cash value at a higher premium — the CDI life insurance guide explains both. Size the benefit from obligations — income-replacement years, mortgage and debts, education, final expenses — minus existing coverage, and review beneficiary designations after major life events: the designation on file controls, not a will.

For health plans, most Californians use employer coverage or Covered California — see our enrollment-dates guide and plan comparison. Checked August 26, 2026. General information, not a recommendation or statement of coverage.