Life and Health Insurance

Health and Life Insurance Buying Guide

Sickness. Injury. Death.

You don’t want to think about it. Nobody does.

But you do need to think about it. Today.

You need to do all you can to protect yourself and your loved ones from unnecessary financial hardship. Hardship that could be devastating if you never took the time to “think about it.”

In addition, to providing financial protection against difficulties, life insurance can also be customized to provide income for other needs. Talk to one of our agents to find out which policies best suit your situation.


  • Term Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Group Health Insurance
  • Individual Health Insurance
  • Medical Savings Plans
  • Medicare Supplemental Policies
  • Dental and Vision Insurance
  • Disability Income
  • Long-Term Care Policies

Life and Health Insurance Plans

Our licensed insurance specialists can help you get reliable and affordable health and life insurance policies that will fit within your budget and achieve your goals.

We Do the Shopping for You

Carl Nelson Insurance has more flexibility than traditional life and health insurance companies, like Allstate, Farmers, or State Farm. They sell just one brand. As an independent insurance agency, we work with numerous underwriting insurance companies, all with A ratings with A.M. Best Rating Service. Plus you don’t have to do the shopping — we do that for you.

High-Value Health and Life Insurance Coverage. Lower Prices.

While shopping for your quotes, our aim is to match your unique health and life insurance policy needs with high-value coverage at a lower price.

Claims Assistance

Inevitably, a situation requiring a claim will occur. Our carriers have excellent claims assistance. Plus your Carl Nelson health insurance specialist will also strive to answer your questions and help you resolve any issues with the least amount of hassle.

Personal Assistance When You Need It

If you have any questions, your life and health insurance specialist will know you and be responsive to you personally.

Locally Owned and Operated

Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” like name brand insurance companies. Plus it’s easy for you to drop by and talk to us one-on-one.

25+ Employees. Well-Trained!

We are large enough that someone is always available to help you. Yet, we’re small enough to give you personal service.

Phones Are Answered by a Human Being.

During office hours, our phone is answered by someone eager to serve you — not a call center.

Since 1977

Our longevity and history demonstrate our strength and stability. We’ll tell you simply, plainly, and honestly what we recommend for your health and life insurance policies.

Insuring Californians

Although we primarily serve the health and life insurance needs of residents in Hanford, Visalia, Tulare, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California.

A+ Better Business Bureau Rating

We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses are high and embody the principles of trust, integrity, and honesty.

Listed: Top 5 Local Independent Insurance Agencies

At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance agency in the Central Valley. We have to be doing something right.

Final Thoughts

Carl Nelson Insurance knows customers come first in every business transaction. That is why so many of our clients and their families have been with us for over 40 years — we earn and keep their loyalty by doing excellent work for them every single day.

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