Jerry C. Thomas, CFP is a CERTIFIED FINANCIAL PLANNER specializing in insurance planning specifically, life insurance, disability insurance, long-term care insurance, and annuities. He helps individuals and businesses with life insurance, estate planning, business planning, life insurance policy reviews, and advanced planning strategies. Furthermore, Jerry partners with over 20 different insurance companies to help you find the best solution.
We help you determine how much life insurance you need, which company and plan best suits your goals, and which company will make the best offer based on your overall health profile. We help you compare additional features that can protect your family if you were to become disabled or needed to access the death benefit to pay for long-term care.
We help you determine the amount of disability insurance you need, which carrier and plan is right for you, and how different provisions of the contract may affect your ability to receive benefits.We help review the various types of definitions (Own Occupation vs. Regular Occupation), which company will make the best offer based on your current and past medical history, and explain the different policy features and riders.
We help you determine how much life insurance you need, which company and plan best suits your goals, and which company will make the best offer based on your overall health profile. We help you compare additional features that can protect your family if you were to become disabled or needed to access the death benefit to pay for long-term care.
We help you determine the amount of disability insurance you need, which carrier and plan is right for you, and how different provisions of the contract may affect your ability to receive benefits.We help review the various types of definitions (Own Occupation vs. Regular Occupation), which company will make the best offer based on your current and past medical history, and explain the different policy features and riders.
Services
Life insurance pays a tax-free lump sum of money called the 'death benefit' to the beneficiary.
As a result, the death benefit allows the beneficiary to meet any financial obligations left when the insured passes away.
Your life insurance policy should match your need.
If you need a policy on a short term basis, while your kids are going to school, then your policy should match that length (Term).
If you need a policy to last all the way past retirement then you may want to consider permanent life insurance.
As a result, the death benefit allows the beneficiary to meet any financial obligations left when the insured passes away.
Your life insurance policy should match your need.
If you need a policy on a short term basis, while your kids are going to school, then your policy should match that length (Term).
If you need a policy to last all the way past retirement then you may want to consider permanent life insurance.
This means the insurance company does not require a physical exam to qualify for a policy.
Based on your age, health, and coverage amount you may be able to qualify for the best life insurance rates without the need for a physical exam.
These options do not require an exam, the main difference is these options only provide a "Standard Rate".
This means the lowest rate you can obtain is Standard while the other two options above offer "Preferred Rates" or discounted rates.
1. Accelerated Underwriting means you can still get the lowest rates available without having to complete a physical exam.
Based on your age, health, and coverage amount you may be able to qualify for the best life insurance rates without the need for a physical exam.
These options do not require an exam, the main difference is these options only provide a "Standard Rate".
This means the lowest rate you can obtain is Standard while the other two options above offer "Preferred Rates" or discounted rates.
1. Accelerated Underwriting means you can still get the lowest rates available without having to complete a physical exam.
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