DiCAR Insurance Marketing works with multiple market companies to ensure you get the best insurance at the right price. 

Our agents seek the best company that suits your needs, plans, and stage in life. 

We find coverage plans for all ages and special circumstances. 

Contact us for more information and a free quote!

Call (408) 848-9085, email us at dicarinsurance1@gmail.com, or visit our office at 6976 Automall Parkway, Gilroy, CA 95020

Your life, your legacy — protected with DICAR. 

Term life insurance provides coverage for a set period of time, such as 10, 20, or 30 years, and pays a death benefit to beneficiaries if the insured passes away during that term. It is typically the most affordable type of life insurance, offering high coverage amounts at low monthly premiums. Benefits include financial protection for loved ones, flexibility in choosing the coverage period, and peace of mind knowing major expenses like mortgages, college tuition, or daily living costs can be covered if the unexpected happens.

Index Universal Life (IUL) insurance is a permanent life insurance policy that provides lifelong coverage while building cash value linked to a stock market index, such as the S&P 500. It offers the potential for higher growth than traditional whole life insurance, while protecting against market losses with a guaranteed minimum interest rate. Key benefits include flexible premiums and death benefits, tax-deferred cash value growth, downside protection, and the ability to borrow against the policy for future needs like retirement, education, or emergencies. 

Universal life insurance is a type of permanent life insurance that offers lifelong protection along with a cash value component that grows at a set interest rate. It provides flexible premiums and adjustable death benefits, allowing policyholders to adapt coverage as their needs change. Benefits include lifetime coverage, cash value accumulation, tax-deferred growth, and the option to borrow against the policy, making it both a protection tool and a flexible financial resource.

Graded life insurance is a permanent policy designed for people with health issues or older age who may not qualify for traditional coverage. It offers guaranteed acceptance with no medical exam, and while the full death benefit isn’t available until after a 2–3 year waiting period, it still provides protection by refunding premiums plus interest during that time. Benefits include lifetime coverage, easier approval, and peace of mind knowing loved ones are financially protected.

Final expense insurance is a small whole life policy designed to cover end-of-life costs such as funeral expenses, medical bills, or small debts. It typically offers affordable premiums, guaranteed acceptance for many applicants, and lifetime coverage as long as payments are made. Benefits include peace of mind for families, no medical exam requirements, fixed premiums, and a quick payout to help ease the financial burden during a difficult time.