About Need For Life Insurance:
What is life insurance about?
Life insurance is for the living. It is a part of financial and estate planning in case of a family loss. We plan on living past retirement, to see our families grow. Unfortunately, things don’t always go as planned.
We have to ask the questions: Who is going to take care of the kids and pay for college? How is the mortgage going to be paid? What about a funeral?
This is where life insurance will help the family continue financially and pay for final expenses.
Who:
With over 130 years of combined experience, we search through scores of well known, A and A+ rated (by A.M. BEST) life insurance companies. If in the first 30 days you are not satisfied, each life insurance company offers a free look period. You would get a full refund. If you cancel after the first 30 days, there are no early cancelation fees. It is a unilateral contract.
Term insurance is the most amount of life insurance for the least amount of money. You have the choice of coverage amounts and coverage periods. (Usually 10-30 years).
Permanent life insurance is designed to cover you for longer periods of time. You can design coverage to last the rest of your life, or to a certain age. The younger you are, the less is costs. As time goes by, your health and life expectancies decrease.
Don’t wait. Time of the essences. It is recommended to get estate planning advise from an estate planner financial expert or legal advisor.
How do we do it?
Each of our team is a life insurance licensed agent. Our main focus is family protection. We will diligently answer your questions, to help YOU determine what is best for you and your family. This is about you and your family.
Why?
As we travel through life, we see many tragedies and learn of families losing loved ones. It is hard for us to see families asking for money because they are unable to lay their lost loved ones to rest. Many people do not know life insurance is available. The best gift you can give is knowledge. We are here to help as many people as possible, not lose their homes or livelihoods.
Most households today need 2 incomes to survive. How can you do it with only one?