Economy and finances

Even if you are not in the best of health, life insurance coverage at a reasonable cost is possible. Welcome to the unpredictable world of insurance. The better known companies prefer those in excellent to  moderate health. If there's a health problem or problems in your medical history that raises red flags to most life  insurance companies. Finding low cost life insurance is not always an easy task. However, there are Life insurance  agents who can help people with health problems get the life insurance they need. Some life insurance companies may specialize in insuring those with specific medical problems. Those with  cancer, for example, may be able to get life insurance coverage. There are some factors to consider when talking  with a life insurance advisor. The factors can be how long the person has been having the health problems and  what they are doing to combat it, like medications that taken. The Life Insurance Group can give you an informative reassurance that even peop

If you do not know where to start when it comes to shopping for a life insurance policy, you are not alone. There are so many options and prices, making the task of shopping for a life insurance policy intimidating. You want to be sure you get the right policy and pay the right premiums, so get some help andconsult an expert before you make a decision. Can an Agent Help? Before you call an 800 number to get your life insurance policy through a television commercial, consider talking to an insurance professional. We do not use the word “PROFESSIONAL” lightly. Make sure you are talking to a licensed life insurance agent who has years of experience, and your best interest at heart. Even if you do decide in the end to go with a policy somewhere else, you can get valuable information through the expertise offered by an agent. They will help you to decide how much coverage you need and what type of policy is best. They can explain to you all the rules and procedures involved in obtaining yo

There have been many changes in the financial world in recent years that have significantly impacted the retirement “nest eggs” of maturing Americans. For some, the impact was minimal… however, for others the impact has been devastating. Can you possibly imagine…all that you have worked for your entire life, now lost almost as quickly as someone flipping a light switch? What happens now in those so-called “Golden Years”? Needless to say, those years will most likely be severely tarnished and a new plan would need to be worked out. You may have experienced this yourself or surely knew someone who had…I’ve certainly seen it happen. The questions that immediately come to mind are: - Is there a way to protect your “Golden Years”? - Is there a way to make sure that you decide what happens to the money you’ve worked so hard for and saved your entire life? - Is there a way to grow your retirement accounts without always having to risk the principal? The answer is in short,

Permenant or Whole Life Insurance - premiums are higher initially however, unlike term they never increase as long as you keep paying them and these can also be used to set up your own personal pension fund. Mortgage Protection Term Life Insurance - also applies to second mortgages has special riders geared for protecting your life insurance premium payment or providing income if only disabled or if you become unemployed. Term Life Insurance:  The least expensive form of Life Insurance as long as you are fairly young and healthy. You can purchase fairly large amounts of coverage for not a lot of money. Premiums can be level for up to 30 years. Or you can buy different policies for different amounts and terms to cover different things. For example if you have small children you would want extra coverage for income replacement for your spouse while they are young but not once they grow up and leave home so 10-20 year term might be good here. If you have a mortgage we can write term polic

As an Independent Agent I am NOT employed exclusively by any one life or health insurance carrier.  Because I am not tied to a particular carrier I am able to offer you products from several sources and most major life and health insurance carriers. This gives you more options for pricing, companies and products.  Not being exclusive to any one carrier means I don’t have any particular product of the month or sales quotas to meet.  I am able to take my time and get to know what is really best for my clients. You work hard to provide for your loved ones, protecting them from unexpected tragedy shouldn't break the bank and I know that sometimes you have to make tough decision about how to budget limited resources so it is very important to be informed before you purchase.  My philosophy is simple: today’s consumer is marketed to death. Therefore I prefer to consult with and educate not “hard sell” to clients.  My aim is to help clients understand their needs, goals and objectives as