Explore Our Life Insurance Plans
At Chico Life Insurance, we offer a wide range of coverage options designed to fit every stage of life. Whether you're a new parent, a homeowner, a retiree, or simply looking to protect your loved ones, our licensed agents are here to guide you.
Term Life Insurance
Affordable, time-limited coverage to protect income or debt like a mortgage.
Best for: Young families, new homeowners, income replacement.
Extras: Option to add Return of Premium (ROP).
Whole Life Insurance
Permanent coverage with guaranteed level premiums and cash value growth.
Best for: Lifelong protection, estate planning, building cash savings.
Final Expense Insurance
Affordable, simplified whole life insurance to cover funeral and medical bills.
Best for: Seniors or those wanting to relieve loved ones of financial burden.
Return of Premium Term (ROP)
Get your premiums back if you outlive the term. Protection + savings.
Best for: People who want coverage but hate the idea of “wasting” money.
Indexed Universal Life (IUL)
Lifetime coverage + cash value growth tied to the S&P 500. Tax-free retirement potential.
Best for: People building wealth, retirement planning, flexible premiums.
Mortgage Protection
Term policy that pays off your mortgage if something happens to you.
Best for: Homeowners with dependents. We help Chico families protect their homes with mortgage protection.
Annuities
Turn savings into guaranteed income for retirement. Optional growth with no market loss.
Best for: Retirees, people who want safe income planning in Butte County.