Life

Steve DeCarli Insurance can provide you the information and options you need to make the best decisions for you and your family.

What Kind of Life Insurance is Best for my Needs?

Term Life

Affordable Protection

Coverage Period 10, 15, 20, 25 & 30 years
Requires Medical Exam and/or health questionnaire

Temporary life insurance set for a number of years before expiring. Tax- free lump sum of money that can be used by your beneficiary for funeral expenses, or to pay bills.

Whole Life

Level Premiums & Lifelong Protection

Coverage Period Permanent
Requires Medical Exam and/or health questionnaire

Type of permanent life insurance offering guaranteed cash value and fixed premiums. Cost-effective way to plan for funeral expenses and reduce the financial cost for loved ones.

Universal Life

Flexible, Permanent Protection

Coverage Period Permanent
Requires Medical Exam and/or health questionnaire

A permanents life insurance policy that can be modified to help fit your financial goals and budget, builds cash reserves and eases your tax burden. Provides for a family’s loss of income, mortgage costs, and educational needs.

You have the ability to take loans or make withdrawals from the account value for your personal needs.

Calculate How Much Coverage You Need

  • What is your net annual income?
  • How many years of income would you need to provide for your family? (Recommended: 4 to 7 years)
  • How much money do you currently owe on your mortgage?
  • How much debt do you have? (auto, credit cards, loans)
  • How much will your funeral expenses be? (typically $10,000-$15,000)
  • How much will an education fund for your child cost? (Estimated: $100,000 for a four-year in-state public university)
  • How many children will you pay for?
  • How much in available assets do you have?
  • How much additional life insurance do you have?

Contact Us

450 Lincoln Avenue, Suite 102, Salinas, CA 93901

(831) 676-0625

sdecarli@decarliinsurance.com