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This is a tough story to watch.
I get the feeling that Tara's husband, Preston, was the kind of fellow that everybody would like to have in their lives.
For my client's and friends, I feel that this story really shows why I feel so strongly about life insurance. There is no question - Everybody needs it.
We can get bogged down in all types of reasons for not taking action. Ask, yourself if any of the following excuses sound familiar?
- We don't like to think about the inevitable end to our lives. (To be sure, this is difficult, but not facing it does not mean your death will not happen).
- Perhaps we are concerned about money & budget, "how can we afford another expense?" (How can we not afford to cover our loved ones, our spouses, children, parents?)
- "We are young, we don't need it." (Tara's husband was in his 20s)
- "We have life insurance at work." (What happens when you get laid off, or when they stop paying for that benefit for you?)... Worse - what happens if you wait too long because you have this benefit, then go to apply for life insurance that you will own and cannot qualify?
These are all reasons I have heard from various people over the years, and in my estimation, especially when considering Tara and Preston's story, none of these are good reasons to avoid the most important coverage you will ever put in place.
Perhaps you have never met an agent who took the time to sit down and visit with you about what you need to put in place before the unexpected happens.
As I have told all of my clients when I sit down with them for their original appointment. I consider life insurance to be the "Higher Calling" of what I do as an insurance agent. When I put the life insurance policies in force for families, I know that I have had an eternal impact on their lives. The people that they love and care about will not have to lose everything in the event that their loved one loses their life.
Please call me today, it is quick, easy, and painless to get this most important and essential coverage in place - this is the one type of policy that truly matters.
I'll look forward to hearing from you today! |
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M any people today are undoubtedly shocked at the death of Michael Jackson & feel horrible that Farrah Fawcett lost her battle with cancer and died earlier today. Their deaths come on the heels of two other very public & high profile losses, David Carradine & Ed McMahon. Without stating the obvious, it seems like a good time to remind our clients of the obvious - NOBODY lives forever in this world. It is important to get our affairs in order before the expected happens. When talking about preparing for the end of life, I find that many people tend to “skirt” the issue. Let’s face it, none of us like thinking about and preparing for the inevitable. The end of life is not like living with the possibility of being involved in a car accident, or having a loss involving our home - after all, it is conceivable that we could live our whole lives and not experience either type of loss. However, none of us will avoid the end of our lives - the bottom line is that no matter who we are, how much or how little we have, what we have done or left undone, we will all experience an end to this life and we will leave people, animals, organizations, & loved ones behind. For most the end will be sudden & unexpected! Most of the time, when I sit down and visit with my clients I stress the fact that I want them to make informed & educated decisions and not to take action based on fear or worry. In my experience, this type of mindset will usually cause people to make bad choices. However, sometimes I feel that this type of thinking can work against most people when considering the end of life. Of course we want to make well thought out plans and decisions about our legacies and what we leave behind, but I think that most of us use this as an excuse not to complete our plans by allowing ourselves to be overwhelmed with the options, decisions and all of the different elements that need to be considered & acted upon to appropriately prepare. With most people, I really fear that I let them off the hook too easily. So, let me be a voice shouting in the wilderness… No matter what your age is! No matter how young you are, how old you are, or what your station in life - You need to prepare! Get your affairs in order! Surround yourself with advisors, and people you trust to help you get ready for your death - do NOT put it off until you have time for it! Do these three things right NOW: |
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T erm life policies provide coverage for specific periods of time, sometimes as little as one year. While you usually can renew term life policies for one or more terms even if your health has changed, there’s potentially a big risk here if you get sick during the term. * Tip. If your health does change, you probably won’t be able to buy another term without seeing your premium skyrocket. You should ask your insurer or agent what the premium will be if you continue to renew the policy. * Note. You should also ask whether you will lose the right to renew the policy when you reach a certain age. Because this coverage is fairly cheap, it’s often a good option for young people in good health who can’t afford to buy a cash value life policy. Two common features you may find, and should look for in term life policies: |
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E ven if you know exactly how much insurance you want or need, there’s another crucial element in this process. You have to find the combination of a great insurance agent AND insurance company that will provide the coverage you want at the right price point. An insurance agent can be invaluable in helping find the right company. * Note. There are tens of thousands of insurance agents representing thousands of insurance companies in this country that sell auto, homeowners and other coverages individuals need. No two companies offer all of the exact same policies. Some companies want only certain types of drivers or homeowners. Some offer higher limits. Some offer what might be described as bare-bones coverage. * Note. There are at least six different coverages that are part of auto insurance! * Note. Homeowners insurance policies have limits on what they will cover in terms of possessions, particularly jewelry, fine art and computer equipment. Many insurers offer substantial discounts (10%, even 20%) if you insure both your auto and homeowners policies with them at the same time! Does the insurance company offer what is called, an "umbrella" policy, which provides additional liability coverage over the limits of your homeowners and auto policies? Do you even need an umbrella policy? How do you find what’s best for you?You could shop on the Internet for insurance. There are numerous sites that have price quotes for auto, homeowners and life insurance policies. But what coverage is available under these policies? And how can you be sure that you’re buying enough coverage? Who can you call to ask questions to, or get advice from if you get stuck or are unsure about how a particular coverage works, what it covers and all the contingencies associated with it? |
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T here’s an “up” side and a “down” side to being an insurance agency in the great State of Texas. The “up” side is that we really enjoy helping our clients in Texas make sure that they are adequately educated, protected and "followed-up" with, the “down” side is that, as such, we see more than our share of “horror” stories. Like Scary StatisticsAccording to the National Highway Traffic Safety Administration's 2007 Traffic Safety Annual Assessment – Alcohol-Impaired Driving Fatalities report every 39 minutes nationwide, someone dies in an alcohol-related motor vehicle accident with Texas being the Country's 4th largest contributor with 38.4% of the State's 3,363 auto fatalities resulting from Alcohol-related accidents in 2007! Want Another One?14% of all alcohol-impaired driving fatalities in 2007 can be attributed to teenagers, people ages 16 - 20 or younger. Want One More?According to the latest statistics, the prospect of you or someone in your family being involved in an alcohol-related motor vehicle accident is more than just very likely... it’s a virtual certainty. In fact, in a family of five, the chance that someone in the family will find themselves in an alcohol-related motor vehicle crash in their lifetime, is an astounding 200 percent. Imagine, a 200 percent chance that you or someone in your family will either cause, or be an innocent victim to, a drunk driving accident. |
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