There are times people call into the office, seeking life insurance coverage. They have no medical issues or pre-existing conditions, take no medication, and have a great build. Man, this makes my life easy! I type up a half million 20yr term policy (or whatever is requested), order an exam, and submit the application. In …
A few years ago I received a request for life coverage from an elderly gentleman. After meeting at his home and having been seated his immediate question was: “how much is this going to cost?” Without intending to resist the question I replied that I simply didn’t know without finding out about what he needed …
How I saved someone over $100,000 on his life insurance Read More »
People often are looking for a low price, but at the same time are leery about getting poor qualify. In the insurance world to help you know you are getting insured from a reliable, quality insurance company the carriers get graded by rating agencies. Some examples are Moodys, Standard and Poor’s, Fitch, and AM Best. …
85% of consumers agree that most people need life insurance, but only 44% of US households own individual coverage. Of those that do, 40% believe they do not have enough. Why are so many going uninsured or underinsured? One of the biggest reasons is that people believe it is expensive or unaffordable. If this is …
When a newly insured person picks up their life insurance policy, the strong sense of completion and relief usually starts to kick in, and the idea of doing an annual policy review is the last thing on their mind. But did you know that over $1 billion in life insurance benefits alone have not reached …
If you are a new homeowner or have recently refinanced, your lender or an insurance carrier may have approached you about Mortgage Protection Coverage. This is an often confusing product as the name itself is a bit misleading; it is not the actual mortgage that needs protection, but the home itself.
For a small business owner, their life and their business can be so entangled that it feels impossible to distinguish between the two. Years of hard work, sacrifice, and concentrated focus make a small business successful. A business owner that built an enterprise from the ground up has every reason to be proud of their …
If you are raising kids and are looking at life coverage options, term life insurance is normally the most practical & effective option to provide the needed protection at an affordable price. The primary purpose of life insurance is to protect the ones you love that are financially dependent on you and normally term life …
Term Life Insurance: The right choice for parents Read More »
What does it take to get life coverage these days? That depends on what type of coverage you are trying to get. There are different kinds of coverage out there, but for the most part term is the common flavor. Term, while not for everyone, is the normally the lowest priced coverage out there enabling …