800-997-3499

Individual Life Insurance

Peace of Mind for You and Your Loved Ones.

Many individuals consider Life Insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to ensure that the family home stays in the family.

At CCiS, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve.

Types of Individual Life Insurance

CCiS offers several different coverage options for your consideration: Term Life, Whole Life, Universal Life, and Variable Life Insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term Life Insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most Term Life policies can be converted to a more permanent insurance solution such as Whole Life, Variable Life, or Universal Life Insurance.

There are two types of Term Life Insurance:

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.

Whole Life – As the most common type of permanent insurance, a Whole Life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Universal Life – Universal Life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes.

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your Universal Life policy can affect its guarantees and limits.

Variable Universal Life - With a Variable Universal Life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.


CCiS is Here For You

There are many things to take into account when purchasing Life Insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-Term Life Insurance needs.

A CCiS insurance specialist will review your current Life Insurance situation and help you design a policy to plan for the future.

At the end of the day, one of the biggest investments you can make is an investment in yourself.
 

CCIS Insurance Group

2520 W Shaw Lane Ste 104

Fresno, CA 93711

Main office: 559-320-2247
Toll free: 800-997-3499
Fax: 559-320-0299

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

When I've called CCIS, I've received friendly, personable and helpful service. It's a good feeling to have such great service from my insurance agency and my agent, Cala Carter
Linda Geringer, director of Kerman Chamber of Commerce
We were extremely please to work with Mark Rivard and CCIS Insurance to review our corporate insurance policies. Their service exceeded our expectations and proved that they are not the typical insurance agency. Mark's great care and sincere concern in understanding our business' insurance needs helped us to get the coverage we should have an even better cost savings over our previous policies. Thank You.
Michael Stickland, Strickland Enterprises Dba: Strickland Drilling
I love it. You have to be the best insurance agent, with the best insurance agency on earth. High five. Thanks for the speedy response.
Anoosh Moadab, DPM, All Valley Podiatric Group
Lisa, I would like to thank you and Cala for your great assistance in our insurance matters. Your immediate attention and action to get it done fast is truly appreciated and we feel very grateful to be in your caring hands.
Iwona & Hassan Dwidar
"Cala Carter has been my agent for 20 years and her agency does a great job on my personal and business insurance. I opened my gallery in Palm Springs last January and she had a policy in place in 45 minutes"
Nat Reed