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Protect your loved ones and secure their future with a term life insurance policy.

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  • Licensed in California · LIC# 0M10241
  • Local offices in Salinas and Downey
  • Options from several insurance carriers

We work with carriers like

  • National Life Group
  • Midland National
  • Athene
  • F&G Annuities & Life
  • Mutual of Omaha

Did you know that many families are unprepared for the unexpected?

Term life insurance is a simple and affordable way to ensure your loved ones are financially protected if something happens to you. It offers coverage for a set duration, typically ranging from 1 to 35 years, with a guaranteed death benefit if the policyholder passes away during the policy term.

The Risks of Being Unprepared

Imagine the financial burden your family could face if you were no longer there to support them. Without the right coverage, they could struggle to cover daily expenses, mortgage payments, or even your children’s education. The consequences of being uninsured can be devastating, leaving your loved ones vulnerable.

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That’s why we offer Term Life Insurance – a cost-effective solution designed to provide peace of mind.

Whether you’re a young, expanding family or an individual seeking affordable coverage, term life insurance ensures your loved ones are taken care of. Term life insurance is a great way to provide basic protection for your loved ones. With customizable features and the option to convert to permanent protection,

term life insurance may be the perfect way to get started.

The Benefits

Guaranteed Death Benefit

Provides financial security for your loved ones.

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Fixed Premium

Enjoy stable and predictable payments.

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Affordable Coverage

Ideal for budget-conscious individuals or those with large protection needs.

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Flexibility

Coverage for a specific period, from 1 to 35 years.

What happens after you reach out

  1. Tell us about you

    Share your name, contact details and what you'd like to protect. It takes about a minute.

  2. Talk with a licensed agent

    An agent reaches out to learn your goals and budget and answer your questions.

  3. Compare and decide

    Review options side by side and choose what fits, at your own pace.

What clients say about working with CPIS

  • “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
  • “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
  • “Clara helped me with my mom's and dad's life insurance policies, as well as their funeral arrangements. Everything was explained with great patience, professionalism, and clarity. She made me feel very calm and secure throughout the entire process.”
    Claudia S.Google review · May 2026 · translated from Spanish

Read all reviews on Google

Getting started is simple.

Choose a term length that suits your needs, secure affordable premiums, and rest easy knowing your family is protected. So, why wait? Term life is simple, smart protection. Secure your family’s financial future with a reliable Term Life Insurance policy.

Frequently Asked Questions

What does a Term Policy Mean?

Term life insurance is a simple type of coverage where you pay regularly for a certain time, typically 10 to 30 years. If you die during this timeframe, we will give a lump sum to your chosen beneficiary. It is a pure and simple form of protection for your loved ones.

What happens when term life insurance expires?

When your term policy expires, the insurance company notifies you, stops charging premiums, and ends the death benefit. If your policy includes a return-of-premium feature, you get a refund for the premiums you paid during the term.

What does extended Term Insurance mean?

Extended term insurance is a feature in whole life insurance. It allows the policyholder to use the cash value to buy term insurance. The term insurance matches the current coverage amount.

I’ve decided to get a new term policy. Should I get the same level of coverage I had before?

To answer that, we need to look at your current situation and see who depends on you. Guardian can help you calculate your coverage needs and give you an instant online quote. If you prefer, we can connect you with a financial professional for a detailed estimate.

More questions people ask

What is the difference between term and whole life insurance?

Term life covers you for a set number of years (often 10 to 30) and has no cash value, which keeps premiums low. Whole life covers you for your entire life and builds cash value, so it costs more for the same death benefit. Many families start with term and convert part of it to permanent coverage later if their policy allows.

How much does term life insurance cost?

Your premium depends on your age, health, tobacco use, the coverage amount and the length of the term. Locking in a term while you are younger and healthier usually costs less. An agent can compare quotes from several carriers for your exact situation.

Can seniors get term life insurance?

Yes. Many carriers offer term policies into your 60s and 70s, usually with shorter terms such as 10 or 15 years. If term is not a fit, final expense or no-medical-exam coverage can be an alternative.

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