Modern, cost-effective strategies to
protect those you love.
6 months.* That is how quickly 40% of households would feel the impact of the loss of a primary wage earner—including 40% of those households with income of $100,000 or more. Most people know they need life insurance to protect their loved ones—however many people avoid purchasing it because they think it will cost too much and affect their ability to pay their current expenses.
Let’s get it done and protect your loved ones. Many people are surprised to find the cost is less than expected. Our team looks at your overall financial health—and will suggest a smart way to cover any income-gaps you may have.
Click through our approach below to see how we can help you get started today.
After sitting down, discussing your goals, and asking a few preliminary health questions — we have two initial jobs. First, we conduct a Needs Analysis to determine what a beneficiary would need for income if something were to happen to you. We then look at the Human Life Value, which takes into consideration your income, tax rate, current insurance owned, and how many years until retirement. We are happy to discuss insurance needs independently, but encourage clients to consider them within the complete context of retirement planning and college funding so that we can maximize the efficiency of service and potential of complimentary products.
As a locally-owned and independent company, we have the advantage of “shopping around” for competitive rates and coverage for your unique situation. We work with over 20 reputable carriers and have comprehensive experience with the nuances of each—for instance, some carriers may be stricter on certain health conditions, while others may not have the comprehensive coverage you may require. Our job is to find you the most cost-effective rate while making sure all of your potential needs are covered.
Once we have selected a carrier, you will need to complete the application process. In almost all cases today, this can be done over the phone. Additionally, a physical exam may be required for coverage and the insurance company will call you directly to set this up. (Often times this can be done at your residence.) We are your point person throughout the entire process and are here to manage any questions along the way. Once the insurance company has approved the application, we will hand deliver your policy.
We encourage our clients to meet with us every year to conduct a review. During this time, we will touch on any changes that have occurred, such as a job change, death in the family, a newborn baby, inheritance, or new home. These changes all will affect your insurance needs and we will take a look at where we may need to adjust or add a policy. During this time we will also check to see if we need to convert or re-write an existing term insurance policy. This insurance review can be independent, or in conjunction with an overall retirement planning review.
Know when to choose term over whole life insurance.
If you are in a situation your dependents will not rely on you financially forever, your best bet is probably a term life policy. For example, many parents choose term life policies that are in effect until their children move out and become financially independent.
Concerned you can’t afford life insurance?.
Term Insurance can be a good fit for younger individuals and families who need protection against the loss of income, for a specific time, at an affordable cost.