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Fast Online Quote with Hassle-Free eApplication. Pick Your Plan, Pick Your Price!
We believe that consumers’ preference of doing their business over the internet will continue to increase.  The internet allows them to be informed through comparative analysis and research before they buy. And Calivingbenefits, Inc team is ready to provide consumers, just that!  In today's many life situations, the new kind of life insurance can provide the much needed financial resources while the insured is Alive, not when they are dead. We help educate our clients on the most innovative financial plans in today's market that can provide them the coverage they need to meet their financial objectives.  Introducing “Living Benefits”, it is the new kind of life insurance that you don’t have to die to use.

Our crusade is back by the world’s largest insurance companies that believe in helping people during times they need the financial resources the most. During difficult events of serious illness, they can’t work and will need more money & support to get through the challenging times.
Our Team of Licensed Insurance Agents will be able to guide you and provide assistance to customize the “Living Benefits” plan that will meet your needs.

At Calivingbenefits, Inc we believe in providing a great experience in utilizing our services.  You should feel comfortable about your search for the right plan, which is why we are excited to provide you an Online Quote Tool that will help you Instantly Price Out your plan according to your profile and financial needs.

leadership team


ED ESTEBAN

Managing Partner, Life Insurance Agent CDI 0F98307

Co-Founder, Freedom Equtiy Group - Sales & Marketing

Over 18 years of diversified management and operations experience in Corporate Finance, Real Estate & Mortgage industry, and Financial Services in various management capacities; covering areas of corporate and distribution center operation budget development, financial reporting, merchandise control, residential and commercial lending, and strategic planning. Ed revolutionize financial reporting for The Gap Inc. through technological automation of the reporting system, was a signifcant contributor for loan origination for over 12 years with well known financial institutions as World Savings, Wachovia, and Bank of America and was an entrepreneur for over 12 years operating Cruisehaven Vacations with US and Philippine offices. Ed has extensive experience in sales and marketing, customer relations and business management.


TESS ESTEBAN

Managing Partner, Life Insurance Agent CDI 0E89476

SVP Freedom Equity Group - Case Management

Tess has a B.S. in Health Administration & Management.  Over 12 years of experience in customer relations, quality assurance and account management in various industries including healthcare, financial services, mortgage loans, luxury travel, and international trading. Four years of those are meticulously spent in mortgage loan administration, loan processing, sales support, customer relationship management, pre-underwriting, property appraisals, and case management. This is in addition to over nine years of experience in events planning – CME (continuing medical education) seminars, sales conferences, affinity group events, and group travel.



CONSUELO MAGAT

Life Insurance Agent CDI 0H34002
SVP Freedom Equity Group
Consuelo has over 26 years with AT&T Advertising Solutions, over 3 years with Home4All Realty & Mortgage Co., Inc. Now on her fourth year with Freedom Equity Group.



MARIBETH PASHA

Life Insurance Agent CDI 0I37144 VP Freedom Equity Group Maribeth has a B.S. in Accounting and spent more than a decade working in various key corporate Accounting and Operational roles for some of the largest Fortune 500 technology and pharmaceutical companies in the world. She was instrumental in making sure key corporate financial data and costs were accounted for properly through rigorous audit procedures. She also developed corporate policies and procedures in her past roles that resulted in increased operational efficiencies in the financial reporting cycle. Maribeth has always had a lifelong passion for helping others. That led her to pursue a career in the financial services arena which has allowed her to help others with all of their life insurance and financial service needs. 



DAVID GONZALEZ

Life Insurance Agent CDI  0331805

Sales and Marketing VP, Freedom Equity Group

David Gonzalez is a nationally recognized financial consultant and business success coach with over 40 years of experience consulting insurance agency owners in developing marketing strategies and field training of agents, in addition to establishing two separately successful  insurance agencies of his own. As an independent insurance broker/financial consultant, he has provided supplemental insurance benefits and retirement planning strategies to City & County of San Francisco, employees of the San Francisco Municipal Transit Agency (SFMTA), Fire Department (SFFD), Police Department (SFPD), Sheriffs Department, General Hospital, Water Department, Department of Public Works, etc.



GREGORY ALIPIT

Life Insurance Agent CDI 0H40126
DM, Freedom Equity Group - Sales and Customer Service







MARIETTA PANINGBATAN

Life Insurance Agent CDI 0G24185
RVP, Freedom Equity Group - Sales and Customer Service








ALBERT FERNANDEZ

Life Insurance Agent CDI 0I94106
RVP, Freedom Equity Group - Sales and Customer Service






OPHELIA TANGI
Life Insurance Agent CDI 0I34978 VP Freedom Equity Group AT&T Advertising Solutions

Choosing the right alliance to provide customers the best plans available in today's market.

We gained the respect and support of a number of successful corporations. We have chosen, as our partners, some of the world's most distinguished and innovative industry leaders. These financial companies share our core values and strive for creating state of the art products that transform people's lives, just as we do.

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