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Circle of Safety - Life Insurance Make Sure Your Death Benefit Is Adequate
Our Clients Say It Best!
Great Rates and Good Coverage
"Mark saved me a lot of money on my insurance. He also took the time to explain to me exactly what I needed to adequately cover my family and my businesses. I now carry life, home, car, and business liability insurace with Mark. Mark is a great guy and I would definitely recommend him if you're in the market for insurance." -Paul Jones, Elements Laser Spa, Austin, TX
Buying Insurance is Like Buying a Bike
"...depending on the agent, they may try to sell you 'junk' you don't need or leave you under covered... oftentimes, just getting the cheapest basic coverage from company X 'is not the best' for the policy holder in the end.
For instance, take the recent hail storm in North Austin. Mark was on the phone with all of his clients affected and was able to get them quicker evaluations and rental cars because he has relationships with his clients, unlike some random call center person..." -Sean Hanna, Source Wellness Center, Westlake Hills / Austin, TX
Buying Insurance is Like Buying a Bike (cont.)
"...Buying insurance is like buying a bike. Having someone in the business that knows how to help you evaluate what you want and what you want to spend is invaluable, as long as you can trust them to have your interests at heart. I know Mark personally, and he's that kind of guy." -Sean Hanna, Source Wellness Center, Westlake Hills / Austin, TX
Exceptional Insurance Agent
"Mark is an exceptional insurance agent who is passionate about providing the best possible coverage to protect you and your loved ones! He is remarkably knowledgeable about the various policies that are offered and is able to explain all the processes in a way that makes everything a little more understandable. Mark built a unique relationship with me that was unlike any I have ever had with an insurance agent..." - Andrew Yap, Austin, TX
Exceptional Insurance Agent (cont.)
"...This relationship was much more personal, sincere, and genuine! I thought of him as more of an adviser who helped guide me towards some of the most significant choices I have had to make about ensuring my future. He not only taught me about the best ways to protect myself, my loved ones, and my assets, but he also taught me a lot about life! I would recommend Mark to anyone who is looking for the smartest way to secure their future!" - Andrew Yap, Austin, TX
Hit a Deer
"Have you ever hit a deer here in Texas? Pretty traumatic? Well maybe for the deer, but for me, it was one of the easiest and quickest problems solved, all due to Mark ... Get yourself some piece of ... mind." -Doug LeBelle, Austin, TX
Sincere, Trustworthy Insurance Agent
"We bought insurance through Mark and since then he has always been there for us. It is a huge thing that you have somebody who cares for you and you know he will be there for you when things happen. He will work hard to find the best rate for you as he did for us. I definitely recommend him to anyone who is considering a new insurance agent." -Yoon Schaefer, Wedding Photographer, Round Rock, TX
Best Insurance Agent in Austin
"If you're looking for insurance then you have to talk to Mark. He'll be completely honest with you and help you make the right choices and probably save some money too. When we needed insurance, I gave him a call and he came over to our house and walked us through choosing the right insurance for our situation. He was super friendly and took the time to make sure we understood everything. I've never had an agent do that before. I would highly recommend Mark and his agency. Don't hesitate to give him a call." -JustJ, Submitted through CitySearch
We Recommend Central Texas Insurance
"Moving is one of the most stressful thing people can do. No sense making it more stressful than it needs to be. That's why we recommend Central Texas Insurance to all of our clients. Mark's personal touch really make the whole process of buying insurance easier." -Chris Lloyd Everything Austin Apartments
CTI Insurance Updates
Make Sure Your Death Benefit Is Adequate |
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N ow, what kind of life insurance should you buy? Guess what? It depends. But keep this very important principle in mind: * Tip. Whatever kind of policy you buy, you should make sure it provides enough of a death benefit to meet your family’s needs if you aren’t here. So when you consider buying life insurance, start off with a number in mind of what your family must have in terms of a death benefit. Don’t lose sight of this number. What kinds of life insurance policies are there?There are several, but keep in mind that the terms and costs of the policies vary widely among insurers. There are two basic types:
What exactly is “cash value?” It’s that part of a permanent life insurance policy not needed for so-called “mortality expenses.” The greater your risk of dying, for whatever reason, in the near term, the greater your mortality expense to your insurer. When young, healthy people buy life insurance, they have a very low mortality cost to their insurer (which is why life insurers are so willing to provide coverage to the young and healthy). Look for us to continue this next week with: "What You Need to Know about Term Life Insurance..." |
