Tag Archive | Husband

Procrastination Never hurts….

I heard some terrible news today from a friend and it’s just another reminder why insurance, and having the right insurance is so important.
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Have you ever tried to buy an auto policy after your carrier already told you your rates are going up because of an accident?
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Have you ever tried to buy homeowners or flood insurance when the hurricane is already en route to your house?
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Have you ever tried to buy health insurance after you were diagnosed with a life changing illness?
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Have you ever tried to buy life insurance after a heart attack or catastrophic diagnosis?
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Today I was told by a friend of mine that someone was three days away from the period of time it would take for their life insurance policy to pay out, three days.
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Did you know that if you try to buy life insurance when you have cancer sometimes you have to buy a policy with a “graded death benefit?”
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That means if you die within what’s usually the first two years, all you get back is your premiums or maybe all the premiums you paid back at 110%.
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However if you buy an insurance policy BEFORE something happens, maybe even a convertible term policy while you’re still health you won’t be in that situation.
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Convertible term allows you to purchase based on your health TODAY and then in five or ten years (usually when your income has increased or you’ve paid off your debts) you can convert all or a portion of that policy into Whole Life or a more permanent insurance policy.
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Want to know more about this?
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We can talk about when you have time.
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However you don’t want to wait until AFTER you’ve been diagnosed to make a decision, and have to deal with much higher premiums and much more limited options.
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Let me help you find peace of mind.
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Or answer any questions you may have.
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Click the link below to get your own coverage, today.
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https://farmerskc.wufoo.com/forms/zfmqeo81f1s9l6/

 

The Worst Part of My Job is….

Want to know the worst part of my job? Telling people it’s too late. Here’s a fact. We will ALL die. Everyone of us. We will get sick and assuming we aren’t killed in an accident we will be too sick for anyone to insure us at some point. And you know who will be left to figure out the puzzle?

YOUR KIDS.     YOUR HUSBAND.      YOUR WIFE.      YOUR FAMILY.

DO NOT do this to them. The most heart breaking of conversations that happen in my office are the ones that are too late. Work life insurance policies are great, but they don’t last beyond retirement, OR if you get sick, OR if you quit them OR if they let you go. Does that seem like a lot of variables to you? It does to me.  But I HAVE A SOLUTION-Purchase a life insurance policy that YOU OWN, not your employer.  You pay for it directly, you can see the policy and hold it, You can update beneficiaries easily as needed. Trust me and start something now, so your kids don’t have to beg someone later.
‪#‎WhoIsYourAgent‬?

Still not convinced? See our other article on “Fool’s Gold

FamilyLifeIns
Click on the picture for simple, easy ways to help pay for your life insurance.

To set up a personal assessment and to get coverage in place that is the correct coverage for you and your family call 816-795-5977 or email jolson3@farmersagent.com to set up a meeting. We can meet in person at our office, at your home, or even talk over the phone.