Do you want to leave her a single mother?

Do you want to leave her a single mother?

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What if you don't come home tonight?  What will she do?

Do you have a plan?  What is your plan?

Life Insurance - Because you care.

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Why do I need life Insurance after 50?

Why do I need life Insurance after 50?

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Do you have a plan?  What is you plan?  Click here

Life insurance - Because you care.

What happens to the kids when you are gone.

What happens to the kids.....

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What is your plan?  Do you have a plan?

Life insurance - Because you care

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The power of life insurance

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What is your plan?  Do you have a plan?

Life insurance - Because you care

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Mortgage Insurance is not what you think

Mortgage Insurance is not what you think

The majority of the families I meet with think they have their biggest liability (their home) covered with Mortgage insurance.  The problem I find is that typically the person selling the mortgage never took the necessary education, training and licensing to sell life insurance and are not qualified to explain a complicated and important product to people that depend on it

Devil is in the Details

Often the lack of disclosure on how Mortgage insurance really works that leave the client believing that if they accept the insurance and pay the premiums the policy is guaranteed to payout if they suffer a critical illness, disability or if they die.  This is not true, just because you make your payments and you checked a couple of boxes on the form, does not approve you for coverage. When your family needs to make a claim the bank’s insurance company will begin the underwriting process. This means that they will now look at your medical history and then decide if you should be covered. So imagine if you passed away, or get diagnosed with cancer, your family is grieving and now they have to wait for the decision of whether or not the policy will payout. There are plenty of horror stories of claims being denied or families having a difficult time collecting.

Is there a better option?

If you meet with an insurance agent, they will be able to asses your insurance needs, explain all your insurance options, answer any questions and save you money. With actual life insurance you have lots of options that typically cost less than the Mortgage Insurance you get from a bank or lender and is Guaranteed to payout because you go through the approval process upfront.  If you die, your family gets the tax-free money and choose what to use it for.

You can visit this link to get a free insurance quote and then compare it to what your paying with your mortgage. 

The bottom line is you could be paying less and have a guaranteed tax-free benefit for your family when they need it the most. 

Do you have a plan?  What is your plan?  Life insurance - Because you care.

Buying life insurance on your spouse......

Buying life insurance on your spouse........

What is your plan?  Do you have a plan?  Click here

Life insurance ---Because you care.

Because he loved me

He did the dishes

Rubbed my feet,
Surprised me with tulips,
Took me to musicals even though he didn’t like them,
Carried my bags while I did the shopping,
Held my hand.

He died four years ago.  Neither of us were planning for that.

Because he loved me, I can stay in our home,
I can be here for our children,
I can afford to pay for their college education,
I can worry about the other things in life besides money.

He still loves me. And he still shows it.

Do you have a plan? What is your plan?

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