Term Life
Protection for a set number of years. Your family receives a lump-sum benefit to help with bills, childcare and everyday living costs.
Learn more →Life insurance · Central Valley & California
Protect your family and your home.
Term life, mortgage protection and fixed annuities from a local, independent agent who compares multiple insurance companies for you.
- Talk it through first, no pressure
- Apply and e-sign from home
- No separate fee from us
Prefer to talk? (559) 571-2525
Trust, in plain view
Why families choose Big Time
Independent agent
We don’t work for one insurance company. We work for you.
Multiple insurance companies
We compare options side by side, so you don’t have to.
Licensed in California
Agent Lic. #4252813
Agency Lic. #6016563
Local in Visalia
Real people in the Central Valley, serving all of California.
E-sign from home
Apply on your own time, with our help whenever you want it.
Serving Tulare, Kings, Fresno, Kern and Madera counties, plus all of California by phone or Zoom.
Coverage
Simple ways to take care of the people who matter most
Choose the protection that fits your family, your home and your savings.
Mortgage Protection
Life insurance built around your mortgage, so your family can stay in the home. Some policies offer living-benefit riders for serious illness.
Learn more →Fixed Annuities (MYGA)
A fixed-rate annuity that pays a set interest rate for a set term. A conservative choice for savers who want predictable growth.
Learn more →Final Expense
Coverage to help your family with final expenses, so a hard time doesn’t also become a financial burden.
Ask us about it →Coverage subject to underwriting approval. Annuity rates and terms are set by the issuing insurance company and vary by contract.
How it works
Three simple steps
Most people finish in one sitting. We’re here if you want help.
1
Compare your options
Tap “Start My Quote” to see options from multiple insurance companies in a few minutes.
2
Apply online
Choose the plan that fits and complete the application and e-signature from home.
3
Get help anytime
Questions? Call (559) 571-2525. We’ll walk you through it, in person or by phone.
Start My QuoteYour information stays private. We use it only to prepare your quote and help you apply.
Straight talk
What does coverage cost, and how do we get paid?
Two questions every family should ask. Here are our plain answers.
What does coverage cost?
There isn’t one price, because your quote is built around you. These things shape it most:
- Your age
- Your health and whether you use tobacco
- The amount of coverage
- The length of the term, or the type of policy
- The insurance company you choose
The quickest way to see real numbers is to compare quotes. It’s free, it takes a few minutes, and there’s no obligation.
Start My QuoteHow we get paid
It costs you nothing extra to work with an independent agent. There is no separate fee from us.
When a policy is issued, the insurance company pays us a commission. The premium is set by the insurance company based on your application, not by us.
Curious how we’re paid on a specific policy? Just ask. We’ll tell you.
Ask us a questionWhat to expect
A calm, friendly conversation
Buying life insurance should feel supportive, not stressful. Here is how we work.
No pressure
Ask as many questions as you like. Take your time and decide when you’re ready.
Plain answers
No jargon. We explain every option in everyday language.
We compare for you
We look across multiple insurance companies and walk you through the options side by side.
Take your time. Ask us anything. We’ll sit down with you and never rush your decision.
Know before you go
A few things worth knowing first
Plain-English answers to the questions families ask us most.
01
How much coverage?
Start with what your family would need to keep going. Add up what you’d want covered:
- The mortgage or rent
- Lost income
- Childcare and school
- Car loans and debts
- Final expenses
02
Term vs. permanent
Term covers you for a set number of years, such as while you have a mortgage or kids at home.
Permanent coverage is designed to last your lifetime. We’ll help you compare which one fits your goals and budget.
03
What is a MYGA?
A multi-year fixed annuity. You put in a lump sum, and the insurance company credits a set interest rate for a set number of years, typically 3 to 10.
Rates, terms and early-withdrawal (surrender) charges vary by contract, so we compare them side by side.
Your local advisor
Meet Roy Bryant
Roy is a licensed insurance agent and the owner of Big Time Insurance Agency, based in the Central Valley and serving clients all across California. He helps local families protect their income, their homes and their savings.
As an independent agent, he works with multiple insurance companies, so you can compare options instead of being limited to one company’s products. He also works in Central Valley real estate, so he knows what a mortgage means to a family’s budget.
A note from Roy
Thank you for taking the time to look around. Choosing life insurance is a personal decision, and I would rather you understand your options than feel rushed. Call, or book a time that works for you, and I’ll walk you through it.
Roy Bryant
Common questions
Answers, without the jargon
How much does term life insurance cost?
It depends on your age, health, the coverage amount and how many years you choose. The fastest way to know your number is to compare quotes. It takes a few minutes and there’s no obligation.
Do I need a medical exam?
Not always. Some policies only ask health questions online, and others need an exam or records, depending on the insurance company, your age, your health and the amount of coverage. We’ll help you find the path that fits.
What is mortgage protection?
It’s life insurance chosen to match your mortgage: coverage close to your loan balance, for about as many years as your loan. If you pass away, your family receives a benefit they can use to pay the mortgage and stay in the home.
Does it cost extra to use an independent agent?
No. There is no separate fee from us. When a policy is issued, the insurance company pays us a commission, and the premium is set by the insurance company. You’re welcome to ask how we’re paid on any policy.
Can I cancel if I change my mind?
Yes. California gives you a review period after your policy is delivered to cancel for a refund. Your policy shows the exact number of days.
Do I have to live in the Central Valley?
No. We’re licensed in California and help clients anywhere in the state by phone, text or video.
Take the next step
Ready when you are.
See your options in a few minutes, book a free Coverage Review, or call and we’ll talk it through. No pressure, ever.
Start My Quote
Book a Coverage Review
Call (559) 571-2525
Your information stays private. We use it only to prepare your quote and help you apply.
Coverage subject to underwriting approval.