Term Life Insurance


​Protect Your Family Against Loss Of Income
Ensure Family Economic Security
Make Sure Your Mortgage Gets Paid
Need help?

Call John Caris at 707-935-6294 x103 
or Email 

For Personalized Advice
Picture
John M. Caris 0B50729

Life Insurance Application

  • Use this link if you are ready to start your application.
  • The process will help you determine how much coverage your family needs.
  • You can complete your application either with or without help.
                                

How Much Life Insurance Is Needed?

How Long do I need Life Insurance?
Answer: It depends on what problem you want to solve.
Answer: It depends on how long you will have a financial problem to solve.
DEBT COVERAGE
Add up all of the money you owe.  This is a good basis for determining a life insurance amount.  Types of debt to consider:
  • Credit Cards
  • Auto Loans
  • Student Loans
  • Personal Loans
  • Business Loans
  • Investment Real Estate Loans
Determine how long it will take to pay off your loans.  The balance of your loans should decline over time, but you may want to build in some capacity to cover loans you get in the future, such as another auto loan or a business loan.

Make sure your life insurance term extends to the pay off date of your last loan.
​Mortgage Coverage