Life Insurance INSTANTLY delivers Financial Security
As you well know, the journey of life is usually filled with uncertainty. Though it is human nature to avoid the truth when it comes to our own mortality, the fact is not everyone lives to a ripe old age. That's why life insurance is actually a necessity, not a luxury. The proceeds are always paid TAX-FREE to the beneficiaries who are usually heirs of the insured, but for purposes that may vary from person to person. You may want your family to continue to live the lifestyle that they are accustomed to, or you could want your children to be able to attend a college of their choice.
The PREMIER OPTION Territory
Do you know that some insurance laws and plan prices differ from state to state? Our agency is licensed in various states. We will help you get the best plan for your money, wherever you happen to live in these states.
No matter what type of insurance you are looking to buy, it is important to us that you get it right the first time. This could save you a lot of stress - and possibly a small fortune as well.
There's no need to feel intimidated by insurance language or jargon. Our agency provides all types of term, whole life and hybrid policies from most top-rated companies and rest assured we'll explain any of them in plain language you can understand.
The Cost of Waiting
Not only are your needs a priority to us, but also the needs of your family. If you viewed even one of the above "real-life experience" videos, you know how putting off this essential coverage can place your loved ones in a very precarious financial situation. Anything can happen at anytime whether it is a terminal illness or a fatal accident.
When an income earner of a household dies prematurely, it results in a "double tragedy"... their surviving family loses both a loved one and an important source of their financial support. No one can guarantee they are exempt from the first tragedy. However, anyone who is eligible for coverage can avoid the second tragedy with enough life insurance.
Finally, there are two undeniable truths you should also consider: 1) Though you could be perfectly healthy today, you may not be tomorrow and 2) you will definitely not be the same age next year as you are now. The cost of your policy premium will usually be dependent on your health and age at the time of your application. The longer you wait, the higher the cost will become! Even worse, you could be declined for coverage and declared "uninsurable" if you unexpectedly develop a serious illness or chronic condition. In this case, most or all companies will foreverreject any future application you submit. Save yourself from these negativeconsequences and lock-in your low rate today while you're still young and healthy!
Taking out a mortgage can be a scary proposition when you owe hundreds of thousands of dollars to the mortgage holder. What happens if a family breadwinner suddenly passes away and a substantial portion of the mortgage remains unpaid? Unfortunately, the family is forced to move out of the home and significantly lower their standard of living in most cases. Mortgage Protection insurance covers this potential financial disaster. Most of these plans also offer an option for extremely affordable disability coverage. Did you know that disability is 16 times more likely than death to cause a home foreclosure?*