• Is Final Expense Life Insurance (Guaranteed Issue) Worth The Money?

    Final expense life insurance, sometimes called burial insurance, is a small policy used (usually) to cover funeral expenses. Ranging from as little as $1,000 to $30,000 in whole life insurance, it is usually a last resort insurance policy for people whom for some reason or another did not secure a permanent policy earlier in their lives. In this category of life insurance, out of the many availab...

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  • Who Gets The Life Insurance Money?

    You fell in love, got married, and decided to purchase life insurance. Unfortunately, like 40-50% of Americans, your marriage ended in divorce. You swear you’ll never get married again, until you do. The years fly by and one unfortunate night, in your late fifties, you pass away unexpectedly. Who gets the money? Most people will believe their current wife will inherit the death benefit, h...

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  • Life Insurance and Living Paycheck to Paycheck

    If you are living paycheck to paycheck and don’t have life insurance you… I can't think of a polite way to finish the previous sentence. I can hear your thoughts whispering, “I can’t afford it.” Which is simply not true, and ironically is the reason you NEED life insurance. Unlike the top 10%, most people do not have stocks, houses (without mortgages), art, collectables, or land to lea...

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  • Don’t Blow Your Life Insurance Money

    As a life insurance agent I spend most of my time on the front end of life insurance. Explaining benefits, features, and the various ways life insurance can be used throughout your life as a hedge against uncertainty. If you purchased the correct policy, you’re basically creating your own personal bank for your future self. With that said, I’d like to take an opportunity to talk about what...

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  • The Dangers of Employer Sponsored Life Insurance

    “I get life insurance through my job.” I absolutely hate it when anyone utter these words to me. Why? Because, obtaining “life insurance” through your job, is not technically having life insurance. Unless you plan on dying at work, It should be view as a benefit more than anything else. Opting into your employer sponsored life insurance is a good thing and I encourage you to do it since yo...

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  • Life Insurance And The People Involved

    Every life insurance policy has, at a minimum, five parties. The insured, the payor, the owner, the beneficiary (or beneficiaries), and the insurer. This may come as surprise to many people since often times a single person serves as three of parties of a life insurance policy. The Insured is the person being insured. Insurance, for the most part, can not be purchased ...

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  • How Much Does Life Insurance Cost

    The number one question most people ask when discussing life insurance is, “how much is it?” Unfortunately, that is the wrong question. Protection is the primary function of most insurance policies, although some people capitalize on the risk free growth potential of life insurance. People are looking to either protect someone or something. In essence, anyone seeking to purchase insurance sho...

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  • Your Baby Should Be A Gerber Baby

    EVERY child, indiscriminately, should have a Gerber Grow-Up life insurance plan. I know what you’re your thinking; I’m just saying this because I am an insurance agent selling Gerber life insurance products. Well, that is true. However vegetable farmers believe everyone should eat vegetables. And, I’m sure you would agree, everyone should. Well at least if you are concerned with living healt...

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