Passionate about LIFE Insurance and helping you make confident decisions…
In most cases, group life insurance purchased through your employer is NOT portable. Meaning if an employee leaves their place of employment, he/she more than likely will also leave the Life Insurance Protection behind.
There is a way around this… (more…)
Problems occur when a policy is purchased, and payments are continually provided without ever making sure the policy continues to meet present day needs.
An astounding number of policies are payable to ex-spouses or others whom the insured would NOT have wanted to receive the proceeds. Children born after (more…)
Sticker Shock…
The purpose of Life Insurance is to PROVIDE. It is not intended to PROVIDE with superabundance.
Most people think Life Insurance is “Too Expensive”. Probably in part because many do not understand the actual cost of insuring a life. (view: life insurance needs worksheet)
Would your household have trouble meeting expenses if the primary or secondary income earner died today?
Many reports are stating the U.S. Is at a 50 year low for life insurance ownership. In turn this means (more…)
Waiting to Buy Life Insurance…
Regardless of the reasons you may have, it’s important to take action as soon as you feel a policy is required. Even single adults may need Life Insurance if it would be a burden for loved ons to cover your finally expense or medical bills. View “Life Insurance for Single Adults. Is it Needed?”
VERY IMPORTANT -If you only remember one thing from this blog post this is it. ►Life Insurance rates generally increase as (more…)
Canceling a policy you currently have before you have a new policy in place.
(Note: Young and healthy = great premium rates.
Older and health problems = higher premium rates or denial of coverage.
Life insurance is a product that needs to be obtained before you need it. In the same way… you are not able to purchase car insurance after a car accident and expect the insurance company to pay for the damage to your car. Same goes for life insurance or just about any type of insurance. When it come to Insurance it is one of those things you need to have before you need it.)
Now knowing how the rates work… Let me share with you – YES Canceling your current policy before you have a new policy in place is a BIG Mistake! I’ve seen this happen over and over again…. and it still makes me cringe when people are too upset or stubborn to learn what your up against when you do this. (more…)
