Rito Capetillo

Rito Capetillo

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Hello, my name is Rito Capetillo, an agent with JAR Insurance Services, serving Stanislaus and surrounding counties.

The $0 Plan That Still Protects Your Family: Budget-Friendly Life Insurance Laddering 02/09/2026

The $0 Plan That Still Protects Your Family: Budget-Friendly Life Insurance Laddering

The $0 Plan That Still Protects Your Family: Budget-Friendly Life Insurance Laddering That’s the big idea behind laddering term life insurance: using multiple smaller policies with different expiration dates to match the timing of your real life financial obligations. It’s a strategy that can give you maximum protection now without overpaying for coverage you won’t need later.

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Address


937 Coffee Road, Suite 700
Modesto, CA
95355

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10am - 2pm