Life Insurance
Life Insurance Made Easier
Protect the People Who Matter Most.
Life insurance can help provide financial protection for the people who depend on you. But choosing the right coverage doesn't have to be complicated.
We make getting life insurance easier.
Our agents can help you understand your options, compare available coverage, and find a policy that fits your needs, goals, and budget.
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We make the process simple.
✔ Help you understand your coverage options
✔ Compare available insurance options
✔ Personalized coverage solutions
✔ Experienced insurance agents
✔ Personal service from start to finish
You don't have to navigate life insurance on your own.
Let us help you find coverage that can give you and your loved ones greater financial confidence for the future.Protect Their Future. Make Getting Life Insurance Easier.
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It Typically Provides Coverage For Parties Listed On The Policy Are Insured Against Damages Or Losses Caused By Hazards Such As Fires, Storms, Hail, Lightning, High Winds, Vandalism, Contamination, Explosions And Collisions.
Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person.
If your husband died last night in a car wreck on the way home from work, what concerns would you have today?
What hopes do you have for your children’s future?
With the economy tightening and both parents working, what would happen to your family if you suddenly lost one income?
How long could you live on your savings if you became disabled tomorrow?
What do you feel is your most important personal goal?
projects
What do you feel is your most important financial goal?
Loans (L):
“Do you want to leave your family debt-free when something happens to you?”
If yes: “How much would it take to retire all of your debts: mortgage, credit cards, loans etc.”
Income (I)
“You know that when someone dies, not only does this impact the family emotionally, but it also creates a tremendous financial burden on the family, due to the loss of that person’s income. How much income do you wish to provide for your family?”
A possible answer is: “Until your wife is 65?” Now let’s multiply it times 12 then times the number of years you wish to provide it.
Now this number can be artificially high. Would your spouse be okay if we provided income for 5-10 years and by the time he/she will have a new carerr that can support the family.
final expenses
The question here is: How much have you planned to spend on your final expenses?
Now remember, final expenses include more than just your funeral. They include additional medical expenses (those not covered by your health insurance), probate costs (about 5% of estate’s value) and extras.
A good funeral costs around $20,000. Think of your family.
education
Do you plan to send your kids to college?
How much will that cost?
Will they be going to a private, state and local/junior college schools?
Will they go to trade school, private university, or a public school?
Do you want to use today’s money value or future values?
Multiply that times how many kids.
A lot of parents plan that their children will work to teach them responsibility and help offset these costs. Have you though about this?
Life Insurance Formula
This is a tailored amount of life insurance each person in your family needs.
Since I showed you what any other agent didnt show you, I hope that when you do decide to take care of this deficiency, you will remember me and allow me to work with you at that time.
This is intended as a general description of certain types of insurance and services available to qualified customers. Any description of policy provisions is meant to give a broad overview of coverages and does not revise or amend a policy. Refer to the policy coverage form for a complete representation of the scope of coverage, terms, conditions, exclusions and more. The policy is the contract that specifically and fully describes your coverage. Some products may not be available in all states and may only be offered on a non admitted basis. Product availability is subject to change.
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