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- Licensed in California · LIC# 0M10241
- Local offices in Salinas and Downey
- Options from several insurance carriers
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What happens after you reach out
Tell us about you
Share your name, contact details and what you'd like to protect. It takes about a minute.
Talk with a licensed agent
An agent reaches out to learn your goals and budget and answer your questions.
Compare and decide
Review options side by side and choose what fits, at your own pace.
What clients say about working with CPIS
“They really take the time to educate and care for their clients, not just sell services. From life insurance and annuities to living trusts and brokerage services, they offer everything in one place and make the process feel simple and trustworthy.”
Vanessa R.Google review · May 2026 “It was a pleasure working with Jose and Clara. … I'm so glad that I reached out to them for help. They educated me about life insurance and I'm very grateful.”
Daniel M.Google review · May 2026
More questions people ask
Is hybrid long-term care insurance worth it?
It can be if you want long-term care protection but don't want to pay for coverage you may never use. If you need care, the policy helps pay for it; if you never do, your beneficiaries receive a death benefit. Traditional long-term care insurance usually costs less up front but pays nothing if you never need care.
How much does hybrid long-term care insurance cost?
Cost depends on your age, health, the benefit amount and how you pay: one lump sum, a set number of years, or ongoing premiums. Buying in your 50s or early 60s usually gives you more options. An agent can compare designs from several carriers.
What does a long-term care rider cover?
Most riders pay when you can't do two of the six activities of daily living (such as bathing or dressing) or have a severe cognitive impairment. Benefits can help pay for home care, assisted living or a nursing home, depending on the policy.