| Life
Insurance
Everyday
I am bombarded with letters and emails offering me "70%
off on life insurance rates!!"
You probably get the same stuff. Let me explain how this works. There are
quoting services that most of the major carriers subscribe to. Upwards of eight hundred
or so life insurance carriers provide their rating software to these marketing firms,
and you absolutely can obtain some very competitive quotes.
I
have access to the same carriers, and can get you the
same products at the same prices. I often use those
very search engines to determine the best prices, and
I am licensed with literally dozens of the most competitive
companies. There is no competitive advantage
in by-passing the agent.
On
the contrary, we can help in determining the right kind,
the proper amount, the correct ownership and beneficiary
arrangements, and provide counsel and professional advice
not otherwise available through the internet. You
can get the price you want...and the service along with
it. We also make sure the carrier is highly rated for your protection.
Okay,
so we have eight hundred or so carriers, each offering
6-10 different products. How does one sort this out?
Let
me try to boil this down to one simple concept. Life
insurance is acquired the same way we get our homes,
cars, and major appliances. We can either BUY
it or LEASE it.
BUYING
life insurance is called "permanent"
insurance. LEASING it is otherwise known as "term"
insurance. There's a place for both, and neither is
always right or always wrong. We'll show you both ways,
of course.
You buy life insurance to create an estate, and/or to replace lost income. If you already
have an estate of over $1,000,000 or so, you may wish to consider life insurance as a
way to fund estate taxes. You can use life insurance to cover a debt, insure a spouse, buy out a partner,
cover a key employee, or leave money to a charity. One of my favorite uses is to fund a child's college
education, because the cash value isn't subject to any calculations used to determine your need for any
grants or student loans.
Please
fill out this short form for a no-obligation quote.
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