How are we paid?
There is no fee to you. When you choose a policy, the insurance company pays us a commission. Quotes are free. More about how we get paid.
What types of insurance do you offer?
Life, individual and family health, annuities, group employee benefits, dental, disability, voluntary benefits and business insurance. See the menu above or our life, group benefits and business pages.
Do you work with more than one carrier?
Yes. CBIS is an independent agency, so we can look across many insurance companies instead of just one. See our carriers.
Should I get term or whole life insurance?
It depends on what you need the coverage to do and how long you need it. Term covers a set number of years. Whole life lasts your lifetime and builds cash value. Read our comparison, or learn about term and whole life.
What are living benefits?
Some life insurance policies let you use part of the death benefit early if you have a qualifying serious illness. Using it lowers what your loved ones receive later. How living benefits work.
Can you help my business with employee benefits?
Yes. We have helped local employers with employee benefits since 1982. See group benefits, or call us to talk about what your team needs.
How do I get started?
Call (858) 283-7575 and a licensed agent will help. You can also request a quote or book a free call. There is no obligation.
Do you only help people in Santee?
We are based in Santee and serve San Diego County. We also help people across California by phone or video.
Do you help with Spanish?
Yes. Martha Hill-Estrada can call you back in Spanish and explain everything in Spanish. Quotes and insurance company documents are in English. See our página en español.