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LIFE INSURANCE
HOME // LIFE INSURANCE
NEW LIFE INSURANCE PROGRAM
LIFE INSURANCE WITH LIVING BENEFITS
Most people buy life insurance through agents or other financial advisors, and for good reason. Buying life insurance can seem so overwhelming that you may be tempted to skip it. Don’t, there are different ways to get coverage so you can choose the best option based on your situation and needs.
Determining how much and what kind of insurance to buy is one of the most important financial decisions you’ll make, but it can also be complicated. I will conduct a comprehensive financial needs analysis, and walk you through the multitude of questions you need to consider to determine how much and what kind of insurance is right for you, given your budget. And what many people don’t realize is that when you sit down with me to discuss life insurance, the consultation is free.
4 TIPS FOR FINDING THE RIGHT AGENT
1. Find out about their specialties
2. Inquire about their education and training
3. Meet face-to-face
4. Ask if they hold any professional memberships
Internet, mail & phone, Face to Face
In many ways, the Internet has transformed the way life insurance is bought, as you can get quotes, apply for and even purchase policies with a few clicks. Even still, many sites won’t allow you to buy a policy until you’ve spoken with a qualified insurance professional who can make sure the policy you’ve chosen is exactly what you need. It’s helpful to understand how these sites work.
My firm has contractual relationships with a very large number of Insurance Companies and will negotiate with the company that offers the best product for your specific needs, much like a brokerage agency. Other sites function like marketplaces, promoting the products of a large number of companies by using the data you enter to link you with a company that has a relevant product match for you.
When you buy online, by mail or by phone, it’s generally your responsibility to figure out which product best fits your needs, so it never hurts to follow up with an agent in your community who can assess whether the rates are fair and the policy is a good match. Even if you ultimately buy online, you’ll have peace of mind knowing that you’ve covered all your bases.
FIND A COMPANY
There are more than a thousand companies that offer various types of insurance products, so finding the right one can be a bit overwhelming. Let us help. Look through , and help you understand the ins and outs. You may want to consider going with all of whom share our commitment to ensure you have the knowledge you need to make informed insurance-buying decisions
813.270.2671 | gem@skyhillfinancialservices.com
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