About Affordable Life Policies Affordable Life Policies helps individuals and families explore life insurance options online in a simple, straightforward way. We focus on helping people understand their coverage needs and consider options including term life insurance, whole life insurance, universal life insurance, final expense coverage, and policies that may be available without a traditional medical exam. Through lifeIns online, we also provide educational articles and videos covering common life insurance questions from how much coverage a family may need to what happens after submitting an online application. Affordable Life Policies is an independent life insurance agency based in Oceanside, California, and operated by licensed life insurance agent Ben Baligad. Our goal is to make life insurance easier to understand and give consumers the information they need to make informed decisions about protecting the people they care about.