Coverage your family can actually count on.
I help individuals and families across California find the right Life Insurance, Final Expense, or Index Universal Life plan — explained in plain language, at your pace, with no pressure to decide today.
It's never really about the policy. It's about who it protects.
"Most people don't put off getting covered because they don't care — it's because the process feels confusing. That's exactly where I come in."
I'm Eder Oliva Ruiz, a licensed life insurance broker serving clients across California. My focus is helping families choose coverage that actually fits their life — whether that's Life Insurance, Final Expense coverage, or an Index Universal Life (IUL) plan.
Every recommendation starts with a real conversation about your goals and your budget, not a generic package. You'll always know exactly what a policy covers, what it costs, and why it's the right fit — or I'll tell you if it isn't.
22170633
Look me up — it's public record.
Go to NIPR
Visit the National Insurance Producer Registry's official lookup at pdb.nipr.com — the industry-wide registry every licensed agent is listed in.
Search my name or NPN
Enter "Eder Oliva Ruiz" or NPN 22170633 to pull up my license record and current status.
Or check your state directly
Search "California Department of Insurance license lookup" and enter my NPN there.
Coverage built around your life, not a template.
Term Life
Affordable, straightforward coverage for a set period — built to replace income and pay off debt if something happens to you.
Whole Life
Permanent coverage with a guaranteed payout and cash value that builds over time, for lifelong protection and peace of mind.
Final Expense
Simplified whole life coverage that helps your loved ones cover funeral and end-of-life costs without added financial strain.
Index Universal Life (IUL)
Permanent coverage with cash-value growth potential tied to market indexes — built for long-term protection and planning.
Three conversations, no pressure.
Reach out
Book a time that works for you, or send a quick message about what you're looking for.
Free consultation
We talk through your goals, and I walk you through the coverage options that fit your budget.
Get covered
Choose the plan that makes sense for you — I'll handle the paperwork and next steps.
What you can expect.
Honest, plain-language explanations
No jargon and no fine-print surprises — just clear answers about what a policy actually covers.
No-pressure conversations
You'll never feel rushed into a decision. We move at your pace, always.
Guidance tailored to your situation
Recommendations based on your actual goals and budget — never a generic package.
Direct access to me
You're working with me directly — not passed between call centers or account reps.
Ready to Get Covered?