This time of year we pause to give thanks. Here at North Coast Life Insurance (NCL), we are thankful to be able to help our clients and guide them in making important decisions.
If you’re looking to purchase life insurance, and get the best life insurance for your needs… It all starts with a conversation. A conversation with your life insurance agent.
Getting the most out of your time with your insurance agent can be accomplished with a few easy steps.
Before your agent can assist you in picking out the best life insurance coverage for your personal needs, he or she will need some information. Breeze through this portion of the meeting with a little preparation before. Be sure to write down the questions you want to ask so you don’t forget during your meeting and have the following information ready:
- Monthly living expenses
- Financial assets
- Major liabilities
- Family medical history
- List of medical complications/illnesses (including current medications)
- Alcohol, tobacco and drug use
- High risk hobbies
- Occupational hazards
This is extremely important. Being honest with your life insurance through the entire process will benefit you and family members. Honesty will give you the best rates available for your unique life insurance needs. While providing incorrect information can make it difficult for loved ones/beneficiaries to claim the death benefit. In some cases, this may result in a denial of benefits. Remember the goal with life insurance is protecting your loved one’s future well-being. Finding out after your passing that you were not honest and loved one’s being denied benefits defeats the purpose of life insurance.
Have Open Conversation
Having an open dialog with your life insurance agent, will build a rapport and benefit you in securing the proper coverage you are seeking. Your agent is there to help you find the best life insurance coverage for you and your loved ones. It is important that you ask questions and share information with your agent. The more information your agent has, the easier it will be to help you choose the best policy for your needs. If cost is an issue, tell your agent what you have budgeted monthly for life insurance. You can work together to find a policy to fit all your needs.
Life Insurance is something to be Thankful for – Life insurance will help your family pay their bills if you die, including funeral and/or medical expenses. Be ready to answer questions about how much debt you have and how much your family will need to live on after your passing.
Remember You NCL agent is more than happy to speak with you about your unique Life Insurance needs. Just start the conversation.
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ABOUT NORTH COAST LIFE INSURANCE
Established in 1965 in Spokane, WA. North Coast Life Insurance Company (NCL) has remained focused on providing solutions for you and those you love most. How we serve you is as important as the products we provide you. Genuine personal service is first and for most. We listen to you… discuss your needs… while answering your questions and providing guidance to put your insurance needs in perspective with both your short term and long term goals.
Note: This blog is designed for general information purposes only. All information presented on this site should not be interpreted as legal advice and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. For legal and tax advice contact your attorney or tax adviser.
Rita Sollie, Direct Insurance Representative with North Coast Life Insurance Company (NCL). Just genuine and honest service. We don’t sell insurance, we solve problems. I welcome the opportunity to show you what NCL can do for your Life Insurance and Financial needs.
View INSTANT Term-Life Quote: www.insureyourfamily.com
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