That is a tough question for most people because number one, they are not overly knowledgeable about the nature of Life Insurance Policies and Provisions.
Secondly is the diversity; some policies are for a specified period of time, some go up in price at intervals during the life of the policy, some last for your lifetime, some have waiting periods before you are covered, some have Cash Value whereas some do not. It is easy to understand why it can be confusing to the average Life Insurance consumer.
Then there are other factors to consider:
- Your age
- Cost of coverage
- Amount of coverage
- Your health
- What you can qualify for
- Final Expense needs
- Mortgage Protection
- Funding a Partnership Buy-Sell Agreement
- Leaving a Legacy for your family
And thirdly, do you want a Life Insurance Agent or Broker in your home or would you rather handle everything over the phone. I personally do both. Some of the Applications I write are over the phone with people I have never met, and some are in-home face-to-face meetings. I am comfortable with either.
Insurance Products I offer:
- Level Term Life Insurance
- Decreasing Term Life Insurance
- Cash Back Term Life Insurance
- Whole Life Insurance
- Indexed Universal Life Insurance
Most of the Applications I write are what is called non-medical; meaning there is no physical required. And the beauty of this is that in most cases it is an instant approval. Some larger policies do require some in-home short physical tests.
Being a local Life Insurance Broker, meaning I represent 10 A-Rated companies, I offer personal, caring, experienced, professional counsel, to better serve my clients with their needs in a complex industry. Call and let us discuss what is the right solution for you.