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$100,000
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Sample rate estimate, not a quote. Final price depends on underwriting.
Sample rate from one carrier rated A or better by AM Best. Your agent compares others for you.
Based on the age you enter. Your agent confirms the exact rate.
Agency Lic. #0F09685
This sample price assumes:
- Age
- Gender
- Health class
- Nicotine
- Coverage
- Term
Your final rate depends on underwriting, which looks at your health, history and other details after you apply. It may be higher or lower than this sample.
Rates last updated: October 13, 2026
★★★★★“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!”
Joseph S., Google review
★★★★★“This company is great, and I feel totally confident in their guidance.
I have been with them for over 23 years.”Carol C., Google review
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Independent and family-owned
Based in Santee, serving San Diego County, and helping people across California by phone or video.
Every next step, including policy reviews, happens by phone or video call, so there's no need to come in.
As an independent agency, we aren't tied to one insurance company. We work with about 80 carriers and help you compare.
Start my free quoteLife insurance FAQ
What is the difference between term and whole life insurance?
Term life covers you for a set number of years, such as 10, 20, or 30, and usually costs less to start. Whole life is permanent coverage that lasts your lifetime as long as premiums are paid, and it can build cash value. A licensed agent can walk you through which fits your goals.
Can I get life insurance if I use nicotine?
Yes. Many insurance companies offer coverage to people who use nicotine, including cigarettes, vaping, or nicotine gum. Rates are usually different for nicotine users, and companies look at it differently, which is why comparing several insurance companies can help.
How much life insurance coverage do I need?
It depends on your income, debts, mortgage, children, and what you want the coverage to do for your family. Many people start by adding up debts and the years of income their family would need. We can help you think it through on a short call, with no obligation.