Life Insurance 101


I Work for You


As an agent for life insurance I actually have a fiduciary responsibility to you, the client. That means I am legally bound to do what is in YOUR best interest. Not mine or the insurance companies I represent!

My goal is to make the the process fast, easy and effective. It’s all about helping you. That’s it. That’s what I do (sounds simple right).

AFLI Education Moment

The 2 main types of life insurance

Term Insurance

1- Term life insurance offers affordable protection
2- Term life insurance provides a tax free death benefit
3- Term life insurance is usually convertible to whole life insurance with no additional underwriting
4- Term life insurance does not build equity or cash value in the policy
5- Term life insurance lasts as long as the term is set for (10-30 yrs)
6- Term life insurance is not guaranteed to pay out
7- Term life insurance has a set premium for the life of the policy
8- Term life insurance policies may be cancelled by you at any time

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Perm Insurance

1- Whole life insurance last your entire life so it is guaranteed to pay out to your beneficiary
2- Whole life insurance builds equity or cash value within the policy
3- Whole life insurance can provide tax free income in retirement
4- Whole life insurance provides a tax free death benefit
5- Whole life insurance is a great way to leave a legacy for your family
6- Whole life insurance can be paid for over your whole life or a short period of time
7- Whole life insurance has a set premium for the life of the policy
8- Whole life insurance policies may be cancelled by you at any time

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LIFE INSURANCE POLICIES WITH LIVING BENEFITS

Did you know some life insurance policies come with “living benefits” too?

A critical illness benefit might pay you for a variety of health conditions (like cancer, heart attacks, strokes, etc.).
A chronic illness benefit might pay you if you are unable to perform 2 or more daily living skills (like walking, bathing, eating, etc.).
A terminal illness benefit might pay you if you are not expected to live more than a certain period of time (usually 24 months or less) so you can enjoy what time you have left.

These are just some of the living benefits that can add great value to your life insurance policy, and I am happy to discuss them in more detail with you when we talk.

So, are you ready to have me be your Agent for Life Insurance yet? (you know I would love to be your agent). Don’t worry I am licensed.

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