916-749-4078 info@vl-insurance.com

About Vital Life Insurance

Vital Life Insurance is a family-owned and operated independent insurance agency dedicated to serving the diverse insurance needs of individuals, families and businesses. From small businesses to growing families, Vital Life Insurance is dedicated to the success and well-being of its clients. We continually strive to earn and retain your business, trust and confidence.

At Vital Life Insurance Services we have relationships with some of the best and most trusted insurance companies in the nation. As an independent agent, we represent many types of insurance carriers.  We strive to match customer needs with the right insurance provider. Our goal is to provide our customers with the best protection at a competitive price.

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Meet Co-Founder Karlee Alves

Karlee Alves is the co-founder of Vital Life Insurance Services with her husband, John. Karlee and John were both born and raised in Northern California and currently reside in El Dorado Hills with their daughter, Aubree Jane (and a baby girl on the way!).


Karlee received her B.S. degree from Sacramento State University in Business Administration with a concentration in Finance. She began her career in insurance working for a broker in Sacramento and soon after became a Certified Account Manager. She is a member of both the National Association of Health Underwriters and the Sacramento Association of Health Underwriters.


When Karlee isn’t at the office, she enjoys planning parties, entertaining family and friends, decorating, running, lifting weights, hiking, spending time with her husband and daughter, and traveling. She is very active in the community and is a member of both the El Dorado Hills and Roseville Chamber of Commerce.


Karlee has always had an entrepreneurial spirit and is passionate about all aspects of running her business. She believes in always delivering the highest level of customer service and ensuring each one of her clients are well cared for.

See what our customers have to say.

Vital Life Insurance has been extremely helpful in finding me a policy that best fits me and my family’s needs. They have been very thorough in explaining our coverages and the customer service has been outstanding. I would recommend Vital Life to anyone looking for great coverage with speedy service.

After our wedding, my husband and I wanted to ensure that both of us would be taken care of in case of an accident. Karlee was great a finding a policy that worked for us within our budget.

I switched over to Vital Life Insurance after a lack of customer service with my previous agency. Vital Life provided me with all of the information I needed to make an informed decision about my policy. When I did have a claim, they were there to help me along the entire process.