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When choosing a good life insurance policy, we recommend getting a Term Life Insurance Policy for as long as you can. We have companies that can offer up to 30 years at the same rate each month. The benefits to a term life policy over a whole life policy is the payment amount. Let's face it, life insurance isn't for you, it's for your loved ones. If you can get $500,000 of protection for 30 years for only X amount of dollars each month, then you could INVEST the difference between the term and whole life premiums. That difference should grow to the $500,000 that you could use for retirement WITHOUT having to die!!!
Yes, as a sales approach, our method doesn't make us as much money, but, we believe this to be the best advice. Hopefully, within that 30 year span, you will have paid off most of your debt and be financially stable. If it looks like you might need a little longer to achieve your goals, just add another policy for another 30 years every 5 years or so to keep your premiums low and extend your coverage out longer.
Would your spouse be able to afford the house note or rent?
Would your kids' plans for college be destroyed?
Could your family afford to bury you, or would you be stuck in a closet at the funeral home until they begged friends and family for enough money to lay you to rest?
Would the repo man pick up your new truck for non payment?
We shop around to find you the best coverage at the best prices. We are contracted with about a dozen carriers, so we aren't just going to put you with the first one we look at. The same policy coverage can be over $100 difference in monthly price depending on which carrier you choose.
Imagine an employee of Company A selling you a policy for $150 monthly, then you find out that Company L had the same benefits for only $43 monthly...
That's where we come in. We'll compare companies that meet your criteria. Some health conditions aren't allowed by some carriers, so we'll find the ones that meet your needs and budget (as long as your budget is realistic).
We also offer an option for you to sign yourself up without even talking to us. You can visit https://agents.ethoslife.com/invite/29b4 for a free quote just to get an idea of what it could cost OR, go ahead and apply online. Of course, we're always here to help if you need us.
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