800-997-3499

Individual Life Insurance throughout the state of California

Reassurance for you and your Loved Ones.

CCIS Insurance Group provides life insurance to individuals in Fresno, Kerman, Madera, Visalia, Bakersfield, Los Angeles, and surrounding areas.

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 help ensure that the family home stays in the family.

At CCIS Insurance Group, 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 reassurance they deserve. 

Types of Individual Life Insurance

CCIS Insurance Group offers several different coverage options for your consideration including term life, whole life, and more.

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 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. 

CCIS Insurance Group 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. 

An insurance specialist with CCIS Insurance Group 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. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

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