Life Happens

Life Happens is a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance. Visit lifehappens.org and view real life stories about insurance products in action.

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Contact Us

  • Address: 151 Callan Avenue Ste 206, San Leandro, CA 94577

  • Phone: Office: (510) 962-3894

  • Email: nichole@pfnis.com

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About Nichole Penland
Nichole Penland is a Realtor and Independent Insurance Agent in Oakland, CA, and serves as PFN’s Life Specialist with an appointment through KC Life. With experience in both real estate and insurance, she helps clients protect their assets, build wealth, and secure peace of mind for their families.