F E A T U R E S
What We Cover
Permanent Life Insurance
Lifelong coverage that builds cash value over time, offering you flexibility and a financial cushion for future expenses.
Term Life Insurance
Affordable protection for a set period, such as 10, 15, 20, or 30 years, ensuring your family is financially secure when they need it most.
Permanent Life Insurance: A Lifetime of Protection
Permanent life insurance offers peace of mind with lifetime coverage as long as premiums are paid. Additionally, it accumulates cash value, which can be used for expenses like paying off loans or saving for major purchases.
Flexible Features
Customize your policy to fit your changing needs with options like adjustable premiums and death benefits.
Cash Value Growth
Enjoy tax-deferred cash value accumulation that grows steadily over time and can offer a financial safety net later in life.
Term Life Insurance: Protection for Key Life Stages
Term life insurance provides coverage for a set period and pays out a lump sum to your beneficiaries if you pass away during the term. It’s an affordable option for protecting your family’s future.
Annual Renewable Term
Coverage renews annually without a health check but with increasing premiums.
Level Term
Stable premiums and death benefits for a term of 10, 20, or 30 years.
Decreasing Term
Ideal for financial obligations like a mortgage or loan, where the death benefit decreases over time as your obligations diminish.
Why Choose
Ricken Insurance Agency?
As a trusted provider in Clovis, CA, we’re dedicated to helping you find the best life insurance policy for your unique needs:
- Personalized Plans: Our team listens to your goals and provides expert guidance.
- Affordable Options: We offer a range of choices to fit every budget.
- Local Expertise: With 50+ years in Clovis, we understand the needs of our community.
FAQs About Life Insurance
What’s the difference between permanent and term life insurance?
Permanent life insurance provides lifelong coverage and builds cash value, while term life insurance offers temporary protection for a set number of years.
Can I customize my policy?
Yes! We’ll work with you to adjust coverage, premiums, and benefits to fit your needs.
Contact us for a quote
Secure your family’s future today. Call or text (559) 299-8888 to discuss your life insurance options in Clovis, CA. Prefer online? Use our contact form to reach out.