We take our responsibility to you seriously and sincerely appreciate the privilege to assist you with your need for quality affordable life insurance. We believe the responsibility of a truly professional advisor is more than the dissemination of advice and making recommendations. It is listening. It is answering questions. It is the understanding that effective solutions are the result of effective communication.
Most of all, it is a commitment to the simple ethical tenant of committing to serve our clients as we would want to be served. Our office is a managing general agency for several of the nation's leading life insurers. As such, we are able to objectively assist you in selecting the "right" company and policy to meet your individual needs, both today and into the future.
The companies we represent offer some of the highest quality, most affordable products in the industry. We know you will appreciate the easy application process. We offer integrity, service, technical expertise, and convenience combined with the goal of finding life insurance solutions that work for you.
Most of all, it is a commitment to the simple ethical tenant of committing to serve our clients as we would want to be served. Our office is a managing general agency for several of the nation's leading life insurers. As such, we are able to objectively assist you in selecting the "right" company and policy to meet your individual needs, both today and into the future.
The companies we represent offer some of the highest quality, most affordable products in the industry. We know you will appreciate the easy application process. We offer integrity, service, technical expertise, and convenience combined with the goal of finding life insurance solutions that work for you.
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Even people who are convinced of their need to purchase life insurance and who know they would benefit from life insurance planning, are hesitant to proceed because they do not know how to find an honest knowledgeable life insurance agent with whom they can consult and feel comfortable and confident working.
You owe it to yourself to select an agent and agency that will gladly provide whatever information and assistance you need in order to make an informed life insurance purchase or planning decision.
You owe it to yourself to select an agent and agency that will gladly provide whatever information and assistance you need in order to make an informed life insurance purchase or planning decision.
30 percent of U.S. households have no life insurance protection at all and 25 percent of those make the potentially devastating mistake of relying solely on employer-provided group policies.
Among households with children under age 18, 40 percent say they would immediately have trouble meeting everyday living expenses if a primary wage-earner died.
Another 30 percent would have trouble keeping up with expenses after only a few months.
This means that fully 70 percent of American households with children under 18 would be in immediate or short-term financial jeopardy if a bread-winner died.
Among households with children under age 18, 40 percent say they would immediately have trouble meeting everyday living expenses if a primary wage-earner died.
Another 30 percent would have trouble keeping up with expenses after only a few months.
This means that fully 70 percent of American households with children under 18 would be in immediate or short-term financial jeopardy if a bread-winner died.
The answer is quite simply, "the one that is in force on the day you die."
This is why it is vitally important to select the right policy to meet your needs both today and into the future.
Just remember, if you don't die before a certain age, you will die after a certain age!
Life insurance is unique because unlike casualty insurance (homeowner's, auto, etc.), the event that triggers the claim payment is 100% certain to happen, it is only common sense and basic financial planning to make sure a policy is in force at the time of the claim.
This is why it is vitally important to select the right policy to meet your needs both today and into the future.
Just remember, if you don't die before a certain age, you will die after a certain age!
Life insurance is unique because unlike casualty insurance (homeowner's, auto, etc.), the event that triggers the claim payment is 100% certain to happen, it is only common sense and basic financial planning to make sure a policy is in force at the time of the claim.
Acquiring the quality life insurance protection you need involves three steps: the first is preparing and submitting the application; the second is the underwriting review and approval; and the third is the policy issue and delivery.
As a general rule, policy benefits are not subject to income tax, but are includable in a deceased policy owner's estate for estate tax liability.
Many high net-worth individuals utilize an Irrevocable Life Insurance Trust to remove the value of life insurance policy benefits from their taxable estate.
As a general rule, policy benefits are not subject to income tax, but are includable in a deceased policy owner's estate for estate tax liability.
Many high net-worth individuals utilize an Irrevocable Life Insurance Trust to remove the value of life insurance policy benefits from their taxable estate.
Acquiring the quality life insurance protection you need involves three steps: the first is preparing and submitting the application; the second is the underwriting review and approval; and the third is the policy issue and delivery.
For your convenience, you can provide the information needed to prepare your application via telephone or email.
The confidential information you provide will be held in strict confidence and will be used to prepare the company-specific application forms for your signature.
For your convenience, you can provide the information needed to prepare your application via telephone or email.
The confidential information you provide will be held in strict confidence and will be used to prepare the company-specific application forms for your signature.
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