"Start where you are. Use what you have. Do what you can." Thanks for visiting my remote insurance agency.I started the insurance business as a captive agent with Guardian Life back in 1994 and still maintain a contract with them to this day. Since that time, I have become an independent broker and agent with fine companies such as, Principal, Mass Mutual, Ohio National, Midland National life, American National, and Banner Life, among others. I try to focus on affordable insurance solutions that meet the needs of small business owners and anyone interested in being educated about their available options.Whether you're searching for Life Insurance, Disability Insurance, or a Discount Dental Plan, it's wise to be well-informed and well-advised to get the most out of your dollars. An experienced and independent agent who represents multiple insurance carriers and plans can make a significant difference.
What is your plan today to replenish cash flow in the event of a disruption specifically due to becoming sick or hurt since this is your greatest threat? According to government statistics, slightly more than 1 in 3.57 Americans between the ages of 20 and 65 will become disabled at some point in their working lives. That's about 28 percent. The average length of a long term disability is 31.6 months with 1 in 5 disabilities lasting 5 years or more. About 1 in 20 Americans will be disabled permanently. We have a false image of disability. More than 90 percent of disabilities are due to sickness with less than 10 percent being due to accidents and injuries. About 70 percent of working Americans have no plan in place for Disability Income Protection. I would be happy to talk with you about the options available. Additionally, please see the following link for a third party perspective from an excellent attorney regarding disability insurance.https://www.disabilitycounsel.net
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Your family should always come first. You would not want them to bear huge and unexpected financial burdens at the time of your passing. Term life insurance will pay for your funeral service, bills and other expenses needed to keep your family moving in a positive direction.
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. Let's face it, insurance jargon can be very confusing. After over 27 years, I have experienced the ins and outs of the insurance business. My knowledge of many companies and products can work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agent, I am not employed by one particular company. Instead, I can select insurance products from among those companies that best address your unique concerns.
Please view these wonderful videos on disability and life insurance and their importance.