Life Insurance, Reimagined

Protect what matters most to you

Tending Agency brings clarity and calm to life insurance. We guide coastal families toward coverage that fits their life — not the other way around.

Schedule a Free Call

Your Protection Plan

$200K

R&C Term Life Coverage · 10 Years

Monthly premium $53/mo
$50K Whole Life · Monthly premium $33/mo
$200K ADB · Monthly premium $16/mo
Cancer Policy · As low as $5/mo
Accidental · As low as $10/mo
97% Claim approval
24hr Response time
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A AM Best Rating
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Licensed in All 50 States
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2,400+ Families Protected
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No Medical Exam Required
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Free Consultations

What We Offer

Coverage built for real life

Every policy is tailored to your family's unique needs, goals, and stage of life — with transparent pricing and zero pressure.

Term Life Insurance

Straightforward coverage for a defined period. Ideal for young families and those seeking maximum protection at the most affordable rates. Coverage from $100K to $5M.

Whole Life Insurance

Permanent protection with a cash value component that grows over time. A reliable financial foundation for your family's future, generation after generation.

Accidental Death & Dismemberment

Affordable, supplemental coverage that pays a benefit in the event of accidental death, serious injury, or loss of a limb — a smart layer of protection for active lifestyles.

Disability Income

Protect your greatest asset — your ability to earn. Short and long-term disability policies that replace your income if illness or injury keeps you from working.

Why Tending Agency

Insurance that puts people first

We're not a call center. We're your neighbors — a boutique agency that believes great insurance starts with a real conversation and genuine care.

Meet Your Advisor
01

Local Coastal Expertise

Based in the San Diego area, we understand the unique financial lives of coastal families — from surf instructors to real estate investors to retirees.

02

Transparent, Plain-English Guidance

We break down every policy in clear language. No jargon, no pressure tactics — just honest advice so you can make confident decisions for your family.

03

Lifetime Relationship, Not a Transaction

We review your policies as life evolves — marriages, new homes, growing families — and we're always a call away when you need us most.

Stephanie Harding, Licensed Insurance Advisor
Licensed Insurance Advisor

Meet Your Advisor

Stephanie Harding

Founder & Lead Insurance Advisor

Stephanie founded Tending Agency with a simple belief: every family deserves honest, personalized guidance when it comes to protecting their future. With years of experience serving coastal California families, she brings warmth, clarity, and expertise to every conversation.

She works to find coverage that truly fits your life — not just a policy that checks a box. When you meet with Stephanie, you'll feel the difference that a real, dedicated advisor makes.

CA Licensed Agent License #4513800
Book a Call with Stephanie

Book Your Consultation

Let's talk about your family's future

A free, 30-minute conversation with a licensed advisor. No pressure, no obligation — just clarity.

Free, no-obligation consultation
Meet via Zoom or phone
Receive a personalized quote within 24 hours
No medical exam required to start
Bilingual advisors available (English & Spanish)

Office Hours

Mon – Fri: 9:00 AM – 8:00 PM PST

Saturday: 11:00 AM – 4:00 PM PST

📞 (619) 363-1513

Schedule Your Free Call

Pick a time that works for you

Client Stories

Families who found their peace of mind

Real people, real protection. Here's what our clients share about their experience with Tending Agency.

★★★★★

"We had no idea where to start with life insurance after having our second child. Tending Agency made everything so simple — we had coverage in place within a week."

MR
Mia & Ryan Torres
Young family, Encinitas, CA
★★★★★

"As a freelancer, I always thought insurance was too complicated or expensive. My advisor found me a plan I actually could afford, and I feel protected for the first time."

JK
James Kellner
Freelance designer, La Jolla, CA
★★★★★

"When my husband passed, the claims process was handled with such care and efficiency. I can't say enough about the support Tending Agency provided our family during that time."

DS
Diane Solis
Retired teacher, Coronado, CA