Stop the rate hikes. Stop the cancellations.
Dr. Sean Lee has 28 years inside the insurance industry. Now he is running for California Insurance Commissioner to fix what is broken: runaway premiums, the failing FAIR Plan, and an industry that answers to nobody.
California is becoming uninsurable. Sean has a plan.
A single printable page: the crisis, the six-point plan, credentials, important dates, and a QR code. Text it to your group chat, print a stack, tape it on a community board.
The first Chinese American candidate for California Insurance Commissioner.
Independent press coverage from across the Chinese-American community, May 2026.
李先進角逐加州保險廳長 · 華人首位
Sean Lee becomes the first Chinese American candidate for California Insurance Commissioner. The Ph.D. scientist and former JPL/NASA researcher proposes transparent, technology-driven regulation to restore consumer trust amid rising premiums and insurer market exits.
Read on World Journal →
加州保險專員候選人 Sean Lee 啟動競選 · AMTV interview from the Irvine campaign launch.
李先進宣布參選 2026 年加州保險專員
Irvine campaign launch. "The first Asian candidate" for this statewide elected position since 1990.
加州保險專員候選人李先進啟動競選，聚焦保險改革
Premium increases, insurer exits, and wildfire risk addressed through proposed technology-driven regulatory reforms.
李先進競選 2026 加州保險專員
Coverage shared inside Chinese-American community networks across California.
California has the worst insurance market in America. And it is getting worse every month.
State Farm, Allstate, Farmers, and seven of the top twelve insurers have stopped writing new homeowner policies in California. The FAIR Plan, the so-called insurer of last resort, is exposed to over $458 billion in risk with reserves to cover a fraction of it. Premiums are up 50 percent in five years. Cancellations are accelerating. And the current Insurance Commissioner has no plan to stop any of it.
What Californians are facing right now
- +50% homeowner premium increase, 2019 to 2024
- 1.7M Californians on the FAIR Plan, triple the 2018 count
- $458B total FAIR Plan exposure, the largest of any state pool
- 7 of 12 top insurers pulling back from new policies
- 0 structural reforms passed by the current Commissioner
CCRP: California Catastrophe Reinsurance Partnership
A public-private reinsurance pool that takes catastrophic wildfire risk off insurers' books, brings premiums back to earth, and finally makes California insurable again. Built on principles Dr. Lee has been working on for two decades.
Shared catastrophe pool
A state-anchored reinsurance facility that absorbs the tail risk private insurers cannot price. Brings primary carriers back to writing policies in fire-exposed regions.
Wildfire mitigation credits
Hard-coded premium reductions for homeowners and communities who invest in defensible space, hardened roofs, and certified mitigation. Reward the work, lower the cost.
Real accountability
AI-assisted rate review that catches indefensible increases in days, not years. Public dashboards. Enforcement with teeth. No more 365-day blackouts on prior approval.
Vote before June 2.
Print it, post it, text it to your neighbor. The campaign's vote-by-date flyer is yours to share. The QR code goes straight back to this site.
Paid for by Sean Lee for Insurance Commissioner 2026 · FPPC #1489551.
How much has your premium gone up?
Plug in your county, your current premium, and your renewal date. See what you are actually paying versus what the same coverage cost five years ago. Share the result with your representative.
Four fights. One Commissioner.
Wildfire & catastrophe risk
A reinsurance backstop modeled on federal flood insurance, paired with real mitigation incentives.
FAIR Plan reform
The insurer of last resort is $458 billion exposed with reserves to cover a sliver of it. Sean's reform brings real capacity back.
Premium affordability
Mitigation credits, faster rate review, and competitive pressure to bring premiums back into reach for working families.
Industry accountability
AI-assisted rate review, public-facing dashboards, and enforcement with teeth. Insurers stop hiding behind black-box filings.
"California needs an Insurance Commissioner who has actually sat at the underwriting table. Sean Lee has done it for 28 years. He knows where the levers are." Placeholder endorser, title and organization
A Ph.D. who has actually run an insurance book.
Sean Lee is not a career politician. He is a Ph.D. research scientist and former JPL/NASA researcher, with 28 years of executive experience inside the insurance industry, and a record of designing the kind of reinsurance and risk-pooling structures California actually needs. He is running because the people writing California's insurance policies have stopped showing up for Californians.
Three ways to win this primary.
Sean does not take corporate insurance money. This campaign is funded by Californians who want their insurance market back.
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Support a statewide campaign run by Californians, for Californians. No insurance industry money accepted.
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The crisis, the plan, and the QR code on one printable page. Text it. Tape it. Hand it out.
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