Term life insurance · Salinas and Monterey County
Term life insurance that protects your family while they need it most
Affordable coverage for 10, 20 or 30 years, so your mortgage, bills and kids are covered if something happens to you.
Get a free quote
Tell us your age and how much coverage you want, and we'll compare term plans from several companies.
Licensed California life insurance agents · CPIS
How term life works
Simple coverage for a set number of years
You pick the amount of coverage and how long it lasts. You pay the same premium every month, and if you pass away during that time, your family receives the full amount, tax-free in most cases.
Usually the most affordable option
Term life costs much less than permanent coverage for the same amount, which makes it a good fit for young families.
Match it to your biggest bills
Many families choose a term that lasts until the mortgage is paid off or the kids are grown.
Some plans need no medical exam
Depending on your age and health, some companies approve term coverage with health questions only.
Options when the term ends
Many policies can be renewed or converted to permanent coverage. We'll explain what each plan allows before you choose.
Term life insurance questions
What is the difference between term and whole life insurance?
Term life covers you for a set number of years and costs less. Whole life lasts your entire life, has a level premium and builds cash value. Many families start with term and add permanent coverage later.
How much life insurance do I need?
A common starting point is enough to pay off your debts, replace several years of income and cover future costs like your kids' education. We'll go through the numbers with you for free.
Can I get term life insurance without a medical exam?
Often, yes. Several companies offer term coverage with health questions only, especially for younger and healthy applicants. Larger amounts may still need an exam.
What happens when my term ends?
The coverage stops unless you renew or convert it. Many policies let you convert to permanent coverage without a new exam during a set window.
Other ways we can help
Whole life insurance
Permanent coverage with a premium that never goes up and cash value that grows over time.
Learn more: Whole life insuranceIndexed universal life (IUL)
Lifetime coverage with flexible premiums and cash value growth linked to a market index, with a floor that protects against market losses.
Learn more: Indexed universal life (IUL)Final expense insurance
A small whole life policy that pays for the funeral, burial and final bills, often approved with a few health questions and no medical exam.
Learn more: Final expense insuranceAnnuities
Fixed and fixed indexed annuities that protect your principal and can pay you an income for as long as you live, backed by the insurance company that issues them.
Learn more: AnnuitiesRetirement and 401k/403b rollovers
Changing jobs or retiring? We'll help you understand your rollover options and plan the income you'll need in retirement.
Learn more: Retirement and 401k/403b rollovers
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We're based in Salinas and serve families across Monterey County and California.
Serving Salinas, Monterey County, California
Hours
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed