About Life Insurance

Life Insurance

Understanding Your Options

Learning about the different types of life insurance policies doesn’t have to be overwhelming. CJB Insurance Services helps with this major life decision by breaking it down into easy to understand sections. Allowing clients to make the right decision for them and their family.

An Introduction to Life Insurance

Most Popular Life Insurance Policies

Term Life Insurance

Term life insurance offers coverage for a specified period of time, usually between 10-30 years.

Permanent Life Insurance

Permanent Life Insurance, which encompasses Whole Life and Universal Life Insurance, provides coverage for life and may offer a cash value component that can grow over time.

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Choosing the Right Life Insurance Policy

Know Your Coverage Options

Before choosing a life insurance policy, it’s important to understand the different types available. With 30 years of life insurance experience, CJB Insurance Services prioritizes education and transparency with your options.

Consider Your Goals and Financial Situation

Think about what you want to achieve with your life insurance policy. Do you have any children or other large financial obligations? How long do you need coverage? There are many important questions that CJB Insurance will cover with you to provide the right policy and terms for you.

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Have Questions?
Access Our Life Insurance FAQ’s

Hear What Our Clients Have to Say

Carly at CJB has been simply wonderful to work with. She is unique in that she really takes time to understand needs and worked primarily to educate us on the different paths, options and scenarios serving as a guide. I never once felt that she wanted us to buy a policy, which I think is always commendable.

Aaromal S.

San Francisco, CA

Carly was incredibly helpful for us in both understanding our options and shopping for life insurance policies. Her communication was great– we never felt hurried or pressured, and she was available to answer questions and talk through how to approach our goals. Strongly recommend!

John S.

San Francisco, CA

Carly has been a very responsive, helpful and kind professional in all of mine and my daughter’s interactions with her. She is also very experienced and knowledgeable and I would highly recommend her to anyone in need of insurance services!

Patricia M.

Denver, CO

Carly has been really great throughout this whole process. Insurance can be nuanced and personal, and Carly took the time to understand our goals and plans and then gave considered options with recommendations. I’d definitely recommend working with her.

Dylan C.

Texas

I went to Carly for Long-Term Care Insurance because I don’t want to be a burden on my family, but I was overwhelmed. Carly broke things down and explained the details so that I felt comfortable with my decision. I’m so happy to have an affordable plan that will help me in my later years.

Monique D.

Charlotte, N.C.