Top rated health insurance agency in Carlsbad CA. Providing life and health insurance for families, individuals, and small businesses. Learn why thousands like you use SPF Insurance. We specialize in Group Health Insurance, Maternity Insurance, and HSA insurance plans. If you have special needs or want someone to help you through the process, our brokers will be here for you. Our services don't cost you a dime. Our brokers are Covered California Certified Health Insurance Agents.