Life Insurance

US Life Insurance

There are many kinds of life insurance, but they generally fall into two categories: term insurance and cash value insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, cash value insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, cash value life insurance accumulates equity (cash value) and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

We work with an outside agency that is dedicated to the life insurance market, so we are confident that we can present the best price on term life insurance as well as the best options for permanent, cash value life insurance. We also have an automated online quoting system that enables you to get immediate quotes. Just go here:

Online Life Insurance Quotes
After you run quotes for yourself, you can apply directly if you know exactly what you want. But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional. So, if you want to discuss your best options, please go to the link below to schedule a call with me.

Breeze Disability Insurance

The statistics on worker disability show the value of disability insurance. Consider that 1 in 4 Americans experience a disabling injury or illness in their working years that prevents them from earning an income, and 70% of working Americans couldn’t last one month without a paycheck before experiencing financial hardship.

Even with the above statistics, in 32 years in the insurance business, I can count on one hand the number of individual disability policies I have written, and one of those was on ME.

The main reason that I have found as to why people don’t buy individual disability coverage is that the cost of long-term disability is usually too expensive. However, there are ways to build a long-term disability plan that is more affordable AND there are also short-term disability plans that can be very affordable and provide up to $1,000 per week in benefit for as short as 13 weeks to as long as 2 years.

That's why I partnered with Breeze, an online disability insurance solution that makes it easy to run quotes, review disability insurance options and apply for your own policy in as little as 10 minutes.  

Short Term Disability Insurance: https://www.meetbreeze.com/offer/1382

Long Term Disability Insurance: https://www.meetbreeze.com/offer/1380

NOTE: You can apply directly for short term disability coverage at the link above. For long term disability, there are multiple top companies that Breeze works with, so in most cases you will use the link above to schedule a short call with one of their experts who will gather some information from you and provide you with quotes for the options that are best for you. 

If you have questions and would like to discuss your options, please use my calendar link that follows in my email signature to schedule a call with me.

 

 If you would like to discuss your life insurance options, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.