Get Your Free Life Insurance Quote
Coverage we offer
Term life insurance from 10 to 35 years, plus whole life and indexed universal life (IUL) for long-term protection. A licensed agent compares options from many insurance companies for you, and your information stays private.
How It Works: 5 Easy Steps, No Payment to Apply
No payment required to apply.
It all starts with a free application.
- Request your free quoteTell us a little about yourself. A licensed agent helps you every step of the way, by phone or video call.
- Apply with your agentYour agent helps you complete a simple application, and the insurance company reviews it.
- Get your offerIf you are approved, you receive an offer with your rate.
- Make it fit your budgetAdjust the coverage amount or term length until it feels right.
- Accept, then payAccept your offer. Only then do you make your first payment.
Term life insurance pricing
Sample Monthly Life Insurance Rates
Level term life insurance, Preferred Non-Tobacco health class, California. Sample rates current as of October 2026; subject to change.
Your rate depends on your health and history and may be higher or lower than these samples.
Level term life insurance
$100,000face amount
10, 20 and 30-year terms
Non-tobacco · Preferred class
California resident
20-year level term
See 10- and 30-year rates
10-year level term
30-year level term
Level term life insurance
$250,000face amount
10, 20 and 30-year terms
Non-tobacco · Preferred class
California resident
20-year level term
See 10- and 30-year rates
10-year level term
30-year level term
*N/A: 30-year term is not available at age 60.
CBIS (Client Benefit Insurance Services) | Insurance | CA Agency License #0F09685
These are sample monthly premiums for illustration only. They are not a quote or an offer of coverage. Your actual premium is set by the insurance company after underwriting and depends on your age, health, tobacco use, weight and other factors. Coverage is not in force until a policy is issued by the insurer. Sample premiums shown are level (guaranteed not to increase) for the chosen term period.
Tobacco use can cost 3 to 4 times as much. Weight and health conditions also affect your rate.
Get your real number with a free quote.
Living benefits
Life Insurance You Don’t Have to Die to Use
Many policies can include living benefits. They may let you access part of your death benefit early if you are diagnosed with a qualifying chronic, critical, or terminal illness.
- Critical illnessSuch as a heart attack, stroke, or cancer
- Chronic illnessA long-term condition that limits everyday activities
- Terminal illnessA diagnosis with a limited life expectancy
Living benefits availability, terms and any costs vary by policy and state; ask a licensed agent.
What our clients say
Trusted by San Diego families and businesses since 1982
★★★★★
Rated 5.0 out of 5
from 6 Google reviews
“I had such a great experience working with CBIS. From the start, everyone was super friendly and helpful. They really took the time to explain my options and helped me choose the best insurance plan without making me feel rushed or overwhelmed.
What I loved most is how easy they made everything, whether it was meeting in person or hopping on a quick virtual call, they worked around my schedule. You can tell they actually care about their clients and want to make sure you’re fully covered and confident in your choices.
If you need insurance, whether it’s for health, life, or even business insurance, don’t think twice about calling CBIS. They're knowledgeable, reliable, and just genuinely great people to work with. Highly recommend!”
“As a smaller business and nonprofit bringing on new employees, navigating insurance options felt overwhelming, until we connected with Client Benefit Insurance Services. Brett and Shannon were absolutely amazing. They guided us through the entire process with clarity and care, helping us find the best options that fit our unique needs and budget. Their responsiveness and customer service were outstanding. The support they provided was exactly what we needed during this important growth phase. Highly recommend working with them!”
“I had such a great experience working with CBIS.”
“Everyone at CBIS is amazing. I have had nothing but wonderful experiences, especially with Brett and Shannon. They are knowledgeable, efficient and incredibly responsive. I would highly recommend to anyone looking for reliable and responsive insurance agent!”
“Everyone at CBIS was a class act—friendly, knowledgeable, and easy to work with. They made the insurance process smooth and stress free. Highly recommend!”
“This company is great, and I feel totally confident in their guidance.
I have been with them for over 23 years.”
Common Questions Before You Get a Quote
How much life insurance do I need?
It depends on what you want the policy to cover, like replacing your income, paying off a mortgage, or helping with a new baby's future. A simple start is to add up your debts and future costs, then subtract your savings. A licensed agent can help you land on a number that fits your situation.
Will I need a medical exam?
Not always. Some policies only ask health questions, while others include a short exam that can often be done at your home or office. A licensed agent will walk you through which options may fit your health and coverage amount.
What affects the cost of term life insurance?
Your age, health, tobacco use, coverage amount, and term length all play a part. Each insurance company weighs these a little differently, so prices can vary from one to the next. A licensed agent can compare options with you by phone or video call, so start with a free quote above.