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Got Questions? We Got Answers…and Policies!

So tell us…

Are you old?
Are you young?
Are you afraid of health exams?
Are you are over 50?
Are you are over 80?
Are you gay?
Are you single?
Are you married?
Are you fighting cancer?
Are you a parent?
Are you a pet lover?
Are you on a budget?
Are you are a smoker?
Are you are HIV positive?
Are you are a man?
Are you are a woman?

Our list of questions could go on and on!

If you answered “yes” to any of the questions above, guess what…we have low cost life insurance for you! To take it one step further, we want you to rest easy knowing we also offer life insurance for your kids and your pets!
Educating yourself on life insurance policies can be discouraging, exhausting and painfully overwhelming, but don’t pull your hair out! Don’t even w ander away from this screen because we are here to help you! Choosing to secure your future by purchasing life insurance is one of the smartest ( and now one of the easiest) decisions you’ll ever make. In fact, it really is a no-brainer. Our insurance policies extend well beyond the reaches of just life insurance.  You can provide he protection you need both personally and professionally.  Please, get it touch with us and let us help you apply for life insurance and update all you current policies – NOW. You will be so very glad you did.

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Never Too Early

Larry was a very loved and respected man amongst his friends, family, and peers. He and his wife started financial planning to make sure they took advantage of all employee benefits available and combine it with policy recommendations from the insurance agent. Larry’s health changed and tragedy struck. The family would not have been able to survive and continue to support Larry without the pre-planning that happened early on.

https://vimeo.com/167034312

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Critical Illness Insurance – Too Important to Live Without

There are numerous insurance policies from you to choose from.  From the serious to the not-so-serious, it can get extremely confusing trying to determine which policies work best for both your personal and professional life.  One type of insurance that has been found to be extremely important is Critical Illness Insurance.

Critical illness Insurance is a policy that provides financial protection to individuals and may be purchased in conjunction with/in addition to life insurance.  On a very basic level, Critical Illness Insurance allows a cash payment to be made to the policyholder in the event they are diagnosed with a specific illness – which is usually on a pre-determined list within the policy.  The terms are defined within the policy and include specific rules regarding the diagnosis of a critical illness and any specific medical tests required to ensure validity.

The Critical illnesses covered within the policy varies between insurance companies.  When Critical Illness Insurance was first offered, only four conditions were originally covered – heart attack, cancer, stroke and coronary artery by-pass surgery. Now other conditions that might be covered include: Alzheimer’s disease, blindness, kidney failure, organ transplant, multiple sclerosis, Parkinson’s disease, paralysis of limb, heart attack, cancer, and stroke.  Again, the list of covered Critical Illness will be determined by the insurance company.

The cash payment from the insurance company to the policyholder can be used for paying for treatment, doctor visits, medication, medical supplies, bills, lost income, required change in lifestyle, financial protection for dependents, repayment of mortgage and additional items the policyholder bear as a financial burden due to a critical illness event.

So what happens if you or a loved one suffers from a heart attack this year? A stroke? Any other Critical Illness?  Often times tis medical issues happened without any notice or symptoms – meaning you are unprepared for the situation and unprepared for the aftermath.  Major medical insurance covers most of the fees involved, but not all.  How will you cover the costs leftover from an unexpected medical event?  Can you afford the out-of-pocket expenses?  Wouldn’t it be relief to know that you could receive a CASH payment from your insurance company that will provide you with all the assistance you require?

Critical Illness Insurance offers a significant level of protection – protection that you can’t afford to live without.

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Dale and Diana

Diana and Dale had an amazing blended family with successful careers and respect from the community. Dale purchased life insurance and disability insurance to make sure he covered death and injury. Without the policies that Dale purchased early in the marriage, the family would not have be financially secure and been able to continue living within the lifestyle they were accustomed to.

https://vimeo.com/167034324

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Take Advantage

Today was my last day of vacation. Bright and early tomorrow, I will put the tires to the road again and head back home.  Back to the grind.  Back to ‘normal.’ I have never been to Kentucky, or anywhere that far south, but I was told it is absolutely beautiful – and what I was told was correct!. There are so many places that I am fortunate to see and visit due to my career and significant other, that I am not sure I would have gotten the chance otherwise. For that, I am truly grateful. As cheesy as it sounds, I am at a point on this tour where I am recognizing the importance of not taking anything for grated and making sure that I take advantage of every awesome opportunity given to me – and I am being given a ton of new opportunities. In life in general, we shouldn’t take anything for granted. What we have in one moment could be gone in the very next. Yes, it is important to look into the future and plan accordingly, but we also need to pay attention and give proper affection to the people and things that are right in front of us. Tell the people that surround you how you feel today. Don’t take them for granted or lose the opportunity you are given to spend time with them. Life is short. Take advantage.

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In An Instant

Melissa and Mark were married and had children together. After a tragic accident only one year into marriage a two weeks before the birth of their child, Melissa was informed that Mark had the protection that was needed to keep the family going.

https://vimeo.com/167034322

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Why Not To Buy

I thought I would make a quick list of reasons why you should NOT buy life insurance.  Yes, I said NOT.  I asked around, talked to clients, customers and friends, and here are the top five reasons not to buy life insurance:

  1. I have no friends, family or charity to leave money to
  2. I have no debt and do not want to create an estate for anyone or any organization
  3. I have found a way to avoid 100% of estate taxes, also known as Death Taxes
  4. Nobody is dependent on my income other than me
  5. I am immortal

So there are reasons not to buy life insurance.  Just kidding.  Those aren’t really a solid top 5, but you get the point.  Seriously, everybody needs life insurance.  The key is to find the right type of policy for you.  Some life insurance policies pay you money back in the form of dividends or interest while you are alive, so it is as much of a savings account as it is a policy to pay out when you die!  Ask questions, get answers.  Find the right life insurance policy for you.

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Meet Leslie

Actress Leslie Bibb had to grow up without a father due to his unexpected death when she was a young girl. Her mother had to raise four girls on her own. Her father had a life insurance policy that help keep the family stable and be able to continue on without the stress of financial worry.

https://vimeo.com/167034326

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Millennials Need It Too

Okay Millennials – YES…you should be educated about life insurance and know when you should get it!  Facing financial decisions head-on is the only way to protect your financial future.

You may not be at a point in your life where you need life insurance.  Maybe you aren’t married and don’t have any dependents, but you should still consider other items associated with life insurance.  You need to have something to cover final expenses and burial costs and you need it if your death would leave any financial burden on someone in your life.  Don’t be that person – you know, the one that leave someone in a lurch.

You can avoid this issue by getting life insurance!  Additionally, it also covers replacement income, debts, and allows you to leave someone an inheritance.

Purchasing life insurance now will be cheaper than waiting when you get older.  You might not need a big policy at the moment, so you can purchase one that is more budget conscious.

There isn’t just one policy that fits for all millennials or for everyone.  You have to speak to an insurance agent, research you options, explore your situation, get quotes, and choose the right policy.  It takes time – which mean the “give it to me now” ideals you have as a millennial need to be squashed.  Be prepared – you will mostly likely need a medical exam as well.

Don’t be afraid – it is a big step, but a necessary one AND part of being an adult.