CS Insurance Group


CS Insured is an insurance firm that is based in the sun-filled city of San Diego. We are San Diego’s life insurance experts, and offer service to clients all over Southern California. At CS Insured we pride ourselves on providing fast, friendly customer service either in person, by phone or by email.


As San Diego residents, we at CS Insured understand what the cost of living here is, and we work hard to ensure that we are able to provide every one of our clients the very best California life insurance available at the lowest rate. The United States is home to hundreds of life insurance companies, so it is no wonder that so many people find the process of finding the proper coverage for them so stressful and overwhelming. Let us help you.  At CS Insured we use all of our resources and deal with more than 50 of the top insurance companies throughout the country. Unlike other companies, we work with only the highest-rated insurance companies, guaranteeing that our clients get the very best coverage – the coverage they deserve. This provides both our customers and us with the knowledge and confidence that you and your loved ones will receive the very best coverage when it is needed.


What is Life Insurance?


While the term life insurance gets thrown around a lot, it is not uncommon for people first looking into getting it to be unaware of what it actually means. Life insurance is a contract that is put in place between an insurer and a policyholder. Within this contract, the insurance company guarantees payment of a death benefit to named beneficiaries upon the policyholder’s death. The insurance company promises a death benefit in consideration of the payment of premium by the insured.


Death Benefit The death benefit is the already decided upon an amount of money the insurance has guaranteed to be paid out to the previously identified beneficiaries upon the death of the policyholder. This amount of money is decided upon by the policyholder. This amount is based on an estimation of what the policyholder’s loved ones will need upon the insurers passing. It is at this time that the beneficiaries will also be named.


Premium Payments Premium payments are determined using actuarially based statistics. The policyholder will decide upon how much coverage they want, and then the insurance company will inform them on how much their either monthly or yearly premium will be. This premium is based on a number of factors like the amount required to cover mortality costs, the policyholder’s medical history, their age, administrative fees, any occupational hazards that they might be exposed to and other policy maintenance fees.


The insurer will continue to be obligated to pay the death benefit if premiums are submitted as required. When it comes to term policies, the premium amount includes the actual cost of insurance (this is also known as the COI). When looking at universal or permanent policies, it is essential to know that the premium amount consists of the COI and a cash value amount.


You might ask why it is essential that the premium of universal or permanent life insurance policies consist of the COI and a cash value. The cash value of universal or permanent life insurance is a critical component that serves two fundamental purposes. Think of it as a savings account, which can be used by the policyholder. Throughout the life of the policyholder, the money that is accumulated on what is called a tax-deferred basis. Now, it is true that some policies have restrictions on withdrawals, in many cases, it depends on what the money is being used for. The second reason for the cash value is to offset the steadily increasing cost or to provide insurance as the policyholder continues to age.


How Can I Find Out What Kind and How Much Life Insurance I Need?


At CS Insured, we have a number of useful resources and calculators that are designed to help you in determining how much life insurance you need to protect and provide for your family.  We are happy to go over your many life insurance options and provide you with insight as to what they cover, how payment works and what information or physical exams are required. We can go over what you ideal death benefit will cover and how your family can benefit from any additional payout.


What Can Life Insurance be Used for?


You can never really be prepared to lose someone that you love. But knowing that their passing is not going to add a financial burden to your family can alleviate some of the additional pain that too many families today feel. Likewise, no one wants to think about passing away and leaving behind their loved ones. However, knowing that they will be taken care of and provided for can add some solace to the situation. The strange reality is that while everyone has heard of life insurance, many people are unaware of what exactly life insurance can be used for. In addition to helping the grieving family pay for funeral expenses, life insurance can also be used:


  • To pay off debt
  • To create a tax-free retirement income. This can be a fantastic option for spouses who lose a partner as it comes with no market risk.
  • Life insurance can be used to help supplement funding for children’s education.
  • To set up a trust for the departed’s children
  • Adoption
  • The birth of a child
  • Divorce
  • Travel
  • Fertility Treatments
  • Home renovations
  • Pay off a Home
  • Set up a charity or scholarship in the departed or family name


What if I have a Medical Condition, or Might be Considered High-Risk?


If you have a reason to think that you might be considered high-risk, perhaps you have a medical condition, or you are a smoker, we at CS Insured can assist you in setting up a medical exam. They will be able to provide you with the information that life insurance companies will need to provide you with the best life insurance coverage at the more affordable price point.


When it comes to insurance companies, each and every insurance company has its own set of strengths and weaknesses when it comes to dealing with different medical conditions, or people that might be considered high-risk. Because of this, it is vital that you work with an insurance advisor that can provide you with insight and knowledge. One that will work with you and help to guide you through the vast array of choices and options.  If you smoke or have a medical condition, let CS Insured help you. We work with the top insurance companies in the country and can find you the coverage you need for the lowest price.


No Exam Life Insurance


Did you know that there are a plethora of life insurance companies that provide no exam life insurance? There are tons of options available and while these policies do tend to cost a little bit more than the standard life insurance policies some are so fast that they actually allow customers to get life insurance in a little as 10 minutes! Not only that, but no exam life Insurance policies means that you don’t have to worry about going through a physical, you merely have to answer a few questions. At CS Insured we know what is required when applying to no exam life Insurance, and we can assist you in finding the right coverage for you at an affordable price point.


At CS Insured we not only pride ourselves on being able to find you the best coverage and the best price but in our fast and friendly service. We know that no one really enjoys thinking about something happening to them or someone they love, but the unfortunate reality is that things happen every day and as a spouse, or a parent it is your responsibility to make sure that you loved ones are taken care of. Take a few minutes and contact CS Insured, we will help you set up the life insurance policy that suits you and your families needs, and will ensure that they won’t be grieving while also struggling financially should anything happen to you.


So let us help you. Let us find you the best life insurance company for you and your families needs. Let us help you take care of your family. Contact us today!

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