Independent term life & umbrella broker

Protect the people who depend on you.

ProtectQuote is an independent broker for term life and personal umbrella insurance. We compare carriers for you and help you choose coverage that fits your family, assets and budget.

Independent brokerCA Lic. 0H91219No obligation
Term lifeIncome and family protection
Personal umbrellaAn extra liability layer
$10MMaximum term life coverage
40 yrsLongest term length available
$1M+Typical personal umbrella limits
$0To compare your options
Term life insurance

Coverage for the years that matter most.

Choose a term that matches your mortgage, your kids' school years or your working life. If something happens during the term, your family receives a tax-free death benefit.

  • Terms from 5 to 40 years
  • Coverage up to $10M
  • Carriers compared for you
Term life, illustrated
Family protectedTodayYear 10Year 20Year 30

Coverage stays level for the term you choose. Illustration only, not a quote.

Personal umbrella insurance

One more layer between you and a lawsuit.

An umbrella policy adds liability coverage above your auto and homeowners limits, so a large claim does not reach your savings and future income. Available to California residents.

  • Typically $1M or more of added liability
  • Works on top of your auto and home
  • Quotes compared across carriers
How umbrella stacks up
Auto liability your policy
Home liability your policy
Umbrella adds $1M and up

Illustration only. Limits, eligibility and underlying requirements vary by carrier.

How it works

From question to coverage in three steps.

We start with your situation, not a sales pitch.

1

Tell us what you need

A few details about your household, income, debts and goals.

2

We compare carriers

As an independent broker we shop carriers so advice fits you, not a quota.

3

Apply with support

A licensed team guides the application until your policy is in force.

Why ProtectQuote

Independent advice, with an established agency behind it.

ProtectQuote is a division of Somerset Insurance Solutions in Cupertino, California.

Multiple carriers

Access to many carriers, not just one.

Real people

Licensed professionals, not a script.

No obligation

Compare options before you decide.

Plans that fit

Coordinated with your home and auto coverage.

Ready to see your options?

It takes a few minutes and there is no obligation.

ProtectQuote is a division of Somerset Insurance Solutions, Inc. (CA Lic. 0H91219). Quotes, estimates and illustrations are informational and not an offer of insurance. Actual premiums depend on application and underwriting by the insurance company, and rates are never guaranteed. Umbrella coverage is available to California residents and requires qualifying underlying auto and home limits.