Protect the people who depend on you.
I help families and individuals find the right term life, final expense, fixed annuity, or index universal life (IUL) policy — from carriers you can trust, at a price that fits your budget.
✓ Free, no-obligation quotes
Trusted Partners
Insurance Carriers I Work With
Term Life Insurance
Final Expense Insurance
Fixed Annuities
Index Universal Life (IUL)
Life Insurance by State
Choose your state to see how I can help you review your coverage options and request a free quote.
Why Work With Me
Guidance first. Sales pitch never.
Independent, Not Captive
I’m not tied to one insurance company. I compare policies across dozens of A-rated carriers to find the best fit for your situation.
Free, No-Pressure Consultations
Every conversation starts with listening. You get honest guidance and a clear quote — with zero obligation to buy.
Licensed Where You Live
Actively licensed in 14 states — so whether you’re in San Diego or across the country, you’re working with a properly licensed professional.
Three simple steps to real protection
Tell Me About Your Goals
Share a few details about your family, budget, and what you’re trying to protect.
I Compare Your Options
I shop your situation across A-rated carriers to find the best combination of coverage and price.
You Choose With Confidence
Review your options together, ask questions, and apply only when you’re ready. No pressure, ever.
Meet Ricardo Comaduran
Independent Life Insurance Agent · San Diego, CA
I’m Rick Comaduran, a U.S. Army Veteran and independent Life Insurance Agent licensed across multiple states, including California, Texas, Colorado, Virginia, Kansas, South Carolina, South Dakota, Idaho, Michigan, Iowa, Ohio, Washington, West Virginia, and Wyoming. I focus on helping families and individuals get straightforward, reliable life insurance protection. My approach is simple: clear communication, honest guidance, and fast service for every client I work with. I provide Term Life, Final Expense, Mortgage Protection, Fixed Annuity, and IUL solutions designed to fit real‑world needs. My mission is to make life insurance easy to understand and easy to act on. If you want quick quotes or a clear breakdown of your best options, I’m here to help.
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Find a Time That Works for You
Check my availability below and book a free, no-obligation call whenever it is convenient for you.
Is this website affiliated with any government agency?
No. This website and Ricardo Comaduran are not affiliated with, endorsed by, or connected to any government agency, including Medicare or the Social Security Administration.
How is Ricardo paid?
Ricardo is compensated by commission from the insurance carrier when a policy is issued, at no additional cost to you. There is never a fee to speak with Ricardo or get a quote.
Is Ricardo Comaduran an insurance company?
No. Ricardo is an independently licensed insurance agent who represents multiple top-rated carriers, not a single insurance company.
Is there any obligation when I request a quote?
None. Quotes and consultations are free, and you’re never obligated to purchase a policy.
What states can Ricardo help me in?
Ricardo holds active life insurance licenses in California, Texas, Kansas, Virginia, West Virginia, Wyoming, Colorado, Idaho, South Carolina, Michigan, South Dakota, Iowa, Ohio, and Washington.
Do you offer health or medical insurance?
Not currently. Ricardo focuses on life insurance and retirement products: term life, final expense, fixed annuities, and index universal life (IUL).
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