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No, quotes use soft info—no hard pull.Do I have to talk to someone?
Not unless you want to. Get prices online; a licensed agent is available if you need help.How fast can I get covered?
Same day for most healthy applicants.
As a licensed life insurance agent, I compare top-rated carriers to find the right coverage for your needs — whether it’s term life, whole life, or indexed universal life (IUL). My goal is simple: make the process quick, clear, and tailored to your family’s priorities.
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Elios Insurance Agency (CA #6016808), represented by Siraj Ismail (CA #4470082), is appointed with multiple carriers including Ameritas, National Life Group, and Ethos. Not all products are available in all states. Coverage subject to underwriting approval.
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Term Life Insurance
💰 Lower premiums
⏳ Coverage for a set period (10–30 years)
🧾 Simple application process
✅ Great for young families & mortgage protection
Term Life Insurance is the most straightforward and affordable type of life coverage. It provides a death benefit for a specific number of years—commonly 10, 20, or 30—offering financial protection for your family during the years they need it most.
Term Life Insurance in Fresno County, CA and across California, many families choose term life when they want maximum coverage at a lower cost, especially during key life stages like raising children, paying off a mortgage, or building a business.
Whole Life Insurance
💎 Lifetime coverage
📈 Builds cash value over time
📜 More complex underwriting
✅ Great for estate planning & wealth transfer
Whole Life Insurance is a type of permanent life insurance that lasts your entire lifetime. Unlike term life, which expires after a set period, whole life builds guaranteed cash value over time while providing a fixed death benefit to your loved ones.
Whole Life Insurance in Fresno County, CA.
For families and business owners in Fresno County and Central California, whole life policies are often used to create long-term financial stability, estate planning benefits, and tax-advantaged savings that grow predictably.
Final Expense
💰 Affordable, fixed premiums
📜 Lifetime coverage for funeral & final bills
🧾 No medical exam—simple approval for seniors
✅ Ideal for seniors & those with health concerns
Final Expense insurance (also called burial insurance or funeral insurance) is a small permanent life insurance policy designed to cover the costs that arise after someone passes away — such as funeral services, medical bills, or small debts.
It’s usually purchased by older adults or seniors who want to protect their families from financial stress when those final bills come due.
📈 Indexed Universal Life (IUL)
💸 Builds cash value linked to stock market index
📅 Permanent life insurance with flexible premiums
🔒 Downside protection with upside potential
✅ Great for long-term planning & tax-advantaged growth
An Indexed Universal Life (IUL) policy offers flexible premiums, lifelong coverage, and tax-advantaged cash growth tied to the stock market index.
Indexed Universal Life Insurance in Fresno County, CA
It’s ideal for Californians who want balance — not pure risk, not pure safety.
With the right funding strategy and carrier, your IUL can grow safely while providing financial protection for decades.
© 2025 Elios insurance Agency. All rights reserved CA License #6016808.
Licensing & Compliance NoticeElios Life LLC (CA License #6016808), doing business as Elios Insurance Agency, is led by licensed life insurance agent Siraj Ismail (CA License #4470082). The agency is authorized to provide life and health insurance solutions across California, Texas, and New Jersey.📞 (559) 282‑0601 | ✉️ [email protected]
For licensing info or complaints, visit insurance.ca.gov or call 1‑800‑927‑4357.
Privacy Policy — Elios Insurance Agency
CA License #6016808
Last updated: October 6, 2025OverviewThis Privacy Policy explains how Elios Insurance Agency (“Elios Life,” “we,” “our,” or “us”) collects, uses, and protects your personal information.
Information submitted through our website, Meta (Facebook/Instagram) ads, or other contact forms is governed by this Privacy Policy.What We CollectWe may collect the following types of information:Contact details you provide, such as name, phone number, email address, ZIP code, and state.Quote information you submit, including age/date of birth, gender, tobacco use, desired coverage, and notes from calls or forms.Technical information such as device, browser type, IP address, pages viewed, and cookies or analytics data.How We Use Your InformationWe use the information we collect to:Provide insurance pre-quotes, respond to inquiries, and schedule calls or appointments.Send confirmations, service updates, and follow-ups by phone, text, or email.Analyze and improve our website and advertising performance.We do not sell your personal information.Sharing Your InformationWe may share your information only with trusted service providers who help us operate our business, including:Website and analytics providers (e.g., Google Analytics, Tag Manager).Advertising platforms (e.g., Meta/Facebook Lead Ads).Scheduling and automation tools (e.g., Calendly, Zapier).Insurance carriers or licensed partners for obtaining rate quotes (only if you request a quote).All partners are required to use your data solely for our business purposes and to protect it under strict confidentiality.Texting and Email ConsentBy providing your phone number or email address, you consent to receive messages about your request or services from Elios Insurance Agency.Message and data rates may apply.Reply STOP to opt out of texts or UNSUBSCRIBE to stop receiving emails.Cookies and AnalyticsOur site uses cookies and similar technologies for functionality, analytics, and advertising measurement. You can disable cookies in your browser settings, but some features may not function properly.Your Privacy Rights (California)California residents have the right to:Know what personal information we collect, use, and disclose.Request access to or deletion of their personal information.Correct inaccurate information.Limit data sharing for advertising.To exercise your rights, contact us at [email protected]
with the subject line “California Privacy Request.” We will verify your identity before fulfilling your request.
We do not sell or share personal information for cross-context behavioral advertising.Security and Data RetentionWe maintain reasonable administrative and technical safeguards to protect your data from unauthorized access, loss, or misuse.
We retain personal data only as long as needed to fulfill the purposes described here or as required by law.Children’s PrivacyOur services are not directed to children under 13. We do not knowingly collect personal information from children.Contact UsElios Insurance Agency
Email: [email protected]Phone: (559) 282-0601
If you are a California resident, include “California Privacy Request” in the subject line.DisclaimerInformation provided on this site and in communications from Elios Insurance Agency is for general educational purposes and not legal or tax advice.
Coverage is subject to underwriting approval and state regulations.© 2025 Elios Insurance Agency. All rights reserved.