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Individual Life Insurance in Fresno CA & Madera CA

Reassurance for you and your Loved Ones.

Avakian Insurance Services, Inc. provides life insurance to individuals in Fresno, Madera, Mendota, Hanford, Visalia, Costa Mesa, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Avakian Insurance Services, Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Avakian Insurance Services, Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Avakian Insurance Services, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Avakian Insurance Services, Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Locations

Avakian Insurance Services, Inc.

1274 W Hedges Ave
Fresno, CA 93728
Main office: 559-697-4431
Toll free: 877-887-8844
Fax: 559-268-4946

Costa Mesa Office

129 Cabrillo, #103
Costa Mesa, CA 92627
Main office: 714-559-3837
Fax: 559-268-4946

Our Providers

Testimonials

Wonderful customer service! Always get a prompt response. Thank you!

Suzanne Smith
Insurance is never ever fun. But working with Bill at Avakian Insurance, it was. He was very patient and walked us through all the crazy scenarios we would put forward to understand our coverage. We started with homeowners insurance and now they handle all our insurance including auto, home, life, etc. Working with Bill really took the confusion out of insurance coverage. I will continue to refer my family and friends to them.

Anna Borgeas
I was with a large insurance company for many years and never once met my agent. After getting some run around on the phone, I decided it was time to find someone who would meet me and shake my hand. I found that person in Bill Avakian. He is easily accessible, professional, and responsive to my needs. I made the change and never looked back!

Greg Miskulin
Avakian Insurance has provided me and my family with amazing customer service. They are always available to help answer any questions I have. They also helped us find the best rates possible for our home and auto insurance. I'm always happy to refer family and friends to Avakian Insurance because I've had such a positive experience! If you're looking for an incredible and reliable insurance company, they're the people to turn to!

Katie Rodgers
Tom, Bill and their staff are excellent to work with. As a family-run independent insurance agency, they are accountable only to you. They will find the right policy that will meet your coverage needs, often times saving you big money. When you have a claim, it will be taken care of.

WARREN LOWE
I enjoy working with Avakian insurance, they are professional, easy to work with and experts at what they do.

Roman Cota
Always friendly and helpful. I have been with this insurance agency for 32 years.

Kelly White
Bill and his team take care of all my personal and business insurance needs! They’re always there to help and answer questions.

Brian Domingos, Real Estate Broker