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Individual Life Insurance in Abilene TX & San Angelo TX

Reassurance for you and your Loved Ones.

CBS Insurance, LLP provides life insurance to individuals in Abilene, San Angelo, Lubbock, Midland, Amarillo, Fort Worth, 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 CBS Insurance, LLP, 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

CBS Insurance, LLP 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. 

CBS Insurance, LLP 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 CBS Insurance, LLP 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 Location

CBS Insurance

3005 South Treadaway
Abilene, TX 79602
Main office: 325-695-0222
Toll free: 800-588-3124
Fax: 325-695-0228

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

CBS Insurance has been our insurance agent for ten plus years. With all the problems and complexities in the oil business, it has been a relief not to worry about whether we have enough insurance coverage or whether we were wasting money on coverage that we did not need. While some businesses have had to close their doors due to increasing insurance costs, CBS has worked hard to keep our costs under control. CBS Insurance has been with us through the good times and the bad times. When we had to have an answer today, we got it today. Their honesty and loyalty shown to us through the years have helped to create not only a good business relationship, but also a great friendship that only comes from someone always being there for you. To be successful, you have to surround yourself with good people. CBS Insurance is in that category and they have contributed to our success over the years. They have been a constant for us in an ever-changing business.
- Mike Evans - VP Sharp Image Energy, Inc. - Big Spring, Texas
CBS has handled our insurance needs for many years. The knowledge of the experienced staff is invaluable. When we call with a question or a request, we are always attended to promptly with a personal reply from someone who knows our needs and our name. We truly appreciate the friendly service we continually receive.
- Bud Darby - WIMSCO, Inc., Nation Wide Products - Abilene, Texas