About Us

Life Insurance Brokers And Term Life Insurance Specialists

Serving Silicon Valley, Palo Alto, Redwood City, San Francisco Bay Area, & Nationwide​

Chris Acker and his family

Life Insurance on your terms

We Handle Large Volumes Of Term Life Insurance For People Who Live In Palo Alto, Silicon Valley, California And Nationally.

You are welcome to use our free term life insurance quote engine to get term insurance quotes instantly. If we’re not licensed in your state and you want us to help you, no problem! Through the magic of the internet, non-resident licenses are issued electronically in many states, so just ask us if you like what you see here. We’re happy to help!

Chris Acker, CLU, ChFC

Chris is native of Ogdensburg, New York, a small border town on the St. Lawrence River, 40 miles south of Ottawa, Ontario. He graduated from Williams College with a BA in history in 1985.

He then began his insurance career with The Manufacturers Life Insurance Company (now John Hancock) in the fall of that same year, where he was a brokerage representative, helping independent insurance agents and brokers place impaired risk and specialty insurance coverage​ especially Sleep Apnea life insurance

In 1989, he moved into retail insurance brokerage with the San Mateo-based Link-Allen Associates, where he assisted growing technology companies and their executives with their employee benefit plans and individual insurance needs.

In 1998, he opened his own office where he continues to specialize in helping individuals, families, and businesses with a wide variety of insurance issues, completely independent from any obligation to any specific insurance company.

He earned the professional designations, CLU, and ChFC in 1988 and 1991, respectively and continues his education on an ongoing basis.

He was a past President of the Financial Planning Forum (Palo Alto, CA) and the Williams College Alumni Association of Northern California, a title he shared with his wife, Carol for years. 

He was a board member of the Peninsula Chapter of the American Society of CLU, now the SFSP. 

He is a member of the National Association of Insurance and Financial Advisors, The Society of Financial Service Professionals, and The Financial Planning Association, where he is Director of Membership on the board of directors.  

He lives in Palo Alto with his wife, Carol, who is a fee-only financial planner and also a member of the Financial Planning Forum and FPA, . and his two daughters, Rachael, and Samantha. Rachael was a Division 1 swimmer at UC Berkeley and is now in medical school and Samantha is a Division 1 water polo player in her Senior year.  Mowgli, the dog, is a sweet fluffy Bernese Mountain Dog and loves to greet clients at the office door.

Chris is also is a committed platelet donor at the Stanford Blood Center and participates in various community service projects with his family. He enjoys spending time with his family backpacking, reading, and travel.

Qualifying Member


  • Term Insurance

  • Life Insurance

  • Group Insurance

  • Long Term Care Insurance

  • Hybrid Life Insurance-Life/Long Term Care

Speciality Areas

In the old days, insurance companies didn’t understand these risks.

Not anymore!

Depending on the kind, medications and age of onset, it could be a standard risk.

If your condition is well managed, you should be able to get great rates.  We are the ultimate specialists in sleep apnea life insurance!

There are life insurance companies who will let you smoke a moderate number of cigars per month and still get good rates!

So, if you think you can’t qualify for term life insurance then think again.


Here’s what our happy clients have to say about our services:

Sanjeev Dharap


We have trusted Chris with all our insurance needs for several years. He always listens and understands our needs completely and then works hard to design a policy that best fits our needs. He is very personable and easy to work with.

Sanjeev Dharap , Architect, Entrepreneur, Technical Advisor
Portrait of Brad Branson from Cornerstone Capital, Inc.


Chris brings expert advice and honesty to every project we work on. He gets things done in a timely manner and does an excellent job following up.

Brad Branson, Partner/Investment Adviser- Cornerstone Capital, Inc
Nathan Netravali


I found Chris when looking for life insurance brokers. I knew exactly what I wanted and told Chris and he was able to deliver without trying to upsell me on something else. It was very straightforward and exactly how I hoped it would be. I would definitely recommend him for anyone in a similar scenario.

Nathan Netravali, Associate Director of Clinical Applications at Think Surgical

Take a look at term insurance rates here and email us or call us for help & answers.

A word about those big online life insurance brokers…

  • Did you know that term insurance rates are the same no matter where you buy your policy?
  • Many people think it’s easier to deal with the online brokers, when in reality, their call center environments don’t lend themselves to developing relationships with clients and families.
  • The turnover rate is quite high at these places, so you’re likely not going to speak to the same rep that sold you your policy.
  • We have over 30 years of experience and can help you figure out exactly where & why life insurance makes sense.