Senior Life & Benefits Center

01/08/2022

FREE LIFE INSURANCE QUOTE

I am authorized by the states of AL, AR, CA, CO, ID, OH, OR, SC, UT, VA, and WA to counsel clients and prospective clients about life insurance.

I only have 3 questions for you:

1. Who?
Who do you want or need to protect?

2. What?
What are you protecting them from? What loss do you not want them to face that you can prevent now? Loss of money to bury you? The loss of the home they live in? The loss of a chance to go to college?

3. What will that take to accomplish?


We will write these down- both of us.
That will take us 3-5 minutes

Then we will talk about your health, operations, lengths of stay in the hospital in recent years, diagnoses you've had. I will use this to find insurance carriers that will offer you coverage regardless.
About 1-5 minutes

Then we will talk about your budget, your bills. If you can't pay near the same or more than you are paying on your car insurance to protect your loved ones from the benefit of your income.
Another 3-5 minutes
Then I will pinpoint for you the exact amount you would need to pay for whatever financial and/or additional benefits we have discussed and you can pick out what works for you and your family.
1-5 minutes

Then acting on your behalf, I will aid you in applying for the policy that we chose for you and submitting it.
A final 5 to 10 minutes depending on the policy.

A week or so after the policy has been submitted, we will find out if you were approved as you will receive either a copy or your policy by mail, or a letter explaining the reason for the denial.

Besides the policy, you will have my number and be able to contact me any time you need to.

01/08/2022

I am a Licensed Life Insurance Agent, contracted with Transamerica, Mutual of Omaha, AIG, John Hancock, Americo, Aetna, Foresters, Prosperity, Athene, and American Amicable. Because of this I am also a Medical Field Underwriter. Each carrier is A rated or better and each has its own classifications of its optimal clients (some really like those in top condition, others will cover diseases and difficulties that others won't, or will charge more to cover). I can in a few short minutes (anywhere from 3 to 10) help you find out who will cover you and how much they will cover you for. I cannot guarantee they will accept your application, as if they find something that you didn't tell me about, they can deny it. Don't worry, I won't be mad, I will just need you to be honest and I will do all I can to help you.

01/08/2022

What is Life Insurance?
Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death.

Your beneficiaries can use the money for whatever purpose they choose. Often this includes paying everyday bills, paying a mortgage or putting a child through college. Having the safety net of life insurance can ensure that your family can stay in their home and pay for the things that you planned for.

There are two primary types of life insurance: term and permanent life. Permanent life insurance such as whole life insurance or universal life insurance can provide lifetime coverage, while term life insurance provides protection for a certain period.

How to Find the Best Life Insurance Policy For You
With the wide variety of life insurance policies available, pinpointing the right one can be a challenge for any buyer. Don’t go it alone when trying to find the best life insurance policy. Financial advisors and experienced life insurance agents have the background to help you make the right decision based on your goals and budget.

Look at financial strength ratings. A strong financial strength rating is more than just peace of mind that the company won’t go out of business decades from now. Insurers with greater financial strength can be less likely to need to increase internal policy costs and premiums in response to challenging financial times.
https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/
Ratings are available from agencies such as S&P and A.M. Best, and are usually found on insurers’ websites.

The end of the year is a great time to lock in life insurance if it's been on your to-do list. Whether you want to have life insurance to cover your working years, to supplement retirement income or to fund a trust, there are many good options available. We evaluated cash value life insurance pol

12/31/2021

https://insurancetoolkits.com/fex/lite/?token=CYbtwbKwQACuZ1z4J3MWb98O7fxd9tkv5pUwY5Rt
This is a good option to check into for those 45 and older. If you see something that you would like more information on or to get as we go into the new year. I would be glad to help you out.

An underwriting, quoting, CRM, & POS tool suite designed for final expense & term life insurance agents

12/31/2021

https://insurancetoolkits.com/term/lite/?token=CYbtwbKwQACuZ1z4J3MWb98O7fxd9tkv5pUwY5Rt

I recommend checking out this out, if only to see how much you could qualify for, if you are 50 and younger especially. Or share it with a loved one whom you know should get some protection for themselves and theirs' and yours' loved ones.

An underwriting, quoting, CRM, & POS tool suite designed for final expense & term life insurance agents