Protecting What
Matters Most.
When your family needs protection, we respond. Independent insurance guidance — no jargon, no pressure, just the right coverage for your life.
Coverage Options
Coverage Built for Every Stage of Life.
Term Life
Straightforward coverage for a set period — 10, 20, or 30 years. The most affordable way to protect your family's income during your working years.
Learn MoreIndexed Universal Life
Permanent coverage with a cash value component tied to a market index. Grow wealth tax-advantaged while keeping your family protected for life.
Learn MoreFinal Expense
Designed to cover end-of-life costs — funeral expenses, medical bills, and outstanding debts. Give your loved ones peace of mind when it matters most.
Learn MoreAnnuities
A reliable income stream for retirement. Annuities turn your savings into guaranteed monthly payments so you never outlive your money.
Learn MoreWhole Life
Lifetime coverage with guaranteed premiums and a cash value that grows over time. A permanent financial foundation for your family.
Learn MoreMortgage Protection
Ensures your home stays in your family's hands if something happens to you. Your mortgage gets paid — your family keeps the house.
Learn More
About Us
Your Trusted Insurance Partner.
At Code 3 Insurance Services, we believe every family deserves straightforward answers and honest guidance — not a sales pitch. We're independent agents, which means we work for you.
We shop dozens of top-rated carriers to find the right coverage at the right price. Whether you're protecting your income, planning for retirement, or securing your home, we respond with urgency and care.
Our mission is simple: give families the financial protection they need to face the future with confidence.
Meet Our TeamWe work for you, not an insurance company. That means unbiased advice and access to top-rated carriers.
From term life to annuities, we cover every stage of your family's financial journey.
Licensed to serve families across the country with the same personal attention in every state.
Client Stories
Families We've Protected.
Real clients. Real coverage. Real peace of mind.
"Larry took the time to explain everything in plain English. No pressure, no confusing jargon — just honest advice. I finally feel like my family is protected. I wish I had found him sooner."
Maria R.
Los Angeles, CA
Term Life Insurance"As a fellow first responder, I trusted Larry immediately. He found me a mortgage protection policy that fit my budget perfectly. The whole process was smooth and he was available every step of the way."
James T.
San Bernardino, CA
Mortgage Protection"We were nervous about life insurance after bad experiences with pushy agents. Larry was completely different — patient, knowledgeable, and genuinely cared about what was right for our family."
Sandra & Mike L.
Riverside, CA
Final Expense Insurance"Larry explained the IUL in a way that actually made sense. His background as a Fire Captain really shows — he's someone you can trust when it matters. Highly recommend Code 3 to anyone."
David C.
Long Beach, CA
Indexed Universal Life"I'm a senior on a fixed income and Larry found me a final expense policy I could actually afford. He never made me feel rushed or pressured. He treated me like family."
Patricia M.
Pasadena, CA
Final Expense Insurance"We have two young kids and needed coverage fast. Larry had us covered within a week. He compared multiple carriers and got us the best rate. Couldn't be happier with the service."
Kevin & Rosa G.
Torrance, CA
Term Life InsuranceCommon Questions
Life Insurance, Explained Simply.
Plain answers to the questions families ask most.
Still have questions? Book a free consultation and we'll walk through everything together.
Take the First Step
Ready to Protect Your Family?
A 15-minute conversation is all it takes to understand your options. No pressure, no jargon — just honest guidance from an independent agent who works for you.