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Individual Life Insurance in Oakdale CA & Manteca CA

Reassurance for you and your Loved Ones.

Basi Insurance Services, Inc. provides life insurance to individuals in Oakdale, Manteca, Modesto, Sacramento, Stockton, Turlock, 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 Basi 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

Basi 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. 

Basi 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 Basi 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

Basi Insurance Services, Inc. - Corporate Office

1491 East G Street
Oakdale, CA 95361
Main office: 209-847-3065
Toll free: 877-590-4826
Fax: 209-848-4931

Office Hours:

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

Basi Insurance Services, Inc. - Manteca Office

1000 W. Center Street
Manteca, CA 95337
Main office: 209-823-6886
Toll free: 877-590-4826
Fax: 209-848-4931

Office Hours:

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

Our Providers

Testimonials

“Knowledgeable. Returns my calls promptly. Always helpful.”
- Jean B.
“Always available when we need them”
- Andy J.
I have never had an agent come to my place and explain so well what is covered and not covered [referring to agent Pep Sotelo]
- D. Beaty
Thank you again. Number one reason I don’t look for other carriers, You all treat us so well and the customer service is the best.
- Denise Gabriel
I like how personal ALL staff is. They don’t make you feel like a number.
- J. Heedahl-Petersen
The best thing about Basi Insurance is their professionalism, courtesy, and thoroughness. They're always happy to talk with me and help me out. Thank you!
- Patrick C.
“Randy Basi always goes above and beyond to assist us in the best way possible.”
- Cameron S
"Any questions I've ever had are always answered. I am always greeted at the front desk with a smile. {Basi Insurance staff} are always patient with me even if things are ‘complicated’. They have always gone above and beyond the call to help us get the best service possible. GREAT office! Thank you!"
- S. Van Vliet
Jon Mutoza is our agent. We have a lot of different policies with Basi. Jon provides honest, good, prompt customer service. We can pick up the phone and call Jon and he always answers our questions and helps us with our issues.
- Olinda Carvalho
Dale Basi and the whole team at Basi Insurance does an exceptional job with all my insurance needs. I have been with them for over 7 yrs and they have always been there to resolve any problems I have.
- Khanh Dinh
I was surprised and pleased to find the boss HIMSELF come to my place and review my policy. Talk about personal service!
- Cynthia Boyko
The owner and his staff are always very quick to respond to any of my concerns and help me to keep my policies up to date and are always watching my needs.
- Scott Goodreau
Professional staff, with outstanding product knowledge. Fast response to inquiries and great customer service
- Jerry Bettencourt
“Have always appreciated doing business with Randy Basi and the wonderful staff that is always ready to help us over the phone.”
- Stuart B.
We have a complicated policy, so it gets confusing. I usually end up having to call the office ladies; however, these women, and their kind and cheerful personalities, make it easy to stop in and ask whatever questions I have. they do everything they can to help me and ALWAYS do it with a smile.
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We really enjoy speaking to a live person when calling the office.
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I have enjoyed the excellent customer service and attention to me and my family, it is peace of mind to have quality people assisting you when needed
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Great customer service; quick, efficient and polite staff. Problems always get resolved with minimum stress.
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Basi Insurance has served me and my company VERY well. They've solved all the problems we have thrown at them. Keep up the good work!
- Jim Tyson
“Overall, very good service”
- Cynthia B.
Randy Basi and his entire staff have always been kind and curteous to even the dumbest of questions we may have. He always speaks to us in laymen's terms, so we always understand what he's suggesting or investigating for us!!
- Dan and Karla Ciarolla
Dear Jon & Staff, Thank you so much for helping us with insurance for our granddaughter, fixing my big mistake and being so kind when we call. Your service is better than any service I’ve ever experienced! ” – Sincerely, Michelle P.
- Michelle P.
"Being able to sit down with my agent Cher and go over my policy, knowing she has my best intentions at heart is the best thing about Basi Insurance. I love that she explains everything to me so I understand exactly what my policy covers".
- Laura C.