Are you an insurance orphan......

Your agent’s lack of follow-up is costing you important benefits……Everyone buys a life insurance policy and then tosses it in a drawer for the next how many years and there are a lot of important benefits and time options that people miss because of lack of follow-up from their current agent. I've had at least two cases in the past month or somebody had a 10 year term and was too old to convert and had no options whatsoever and now that they are unhealthy they’re in big trouble because they are losing their coverage when they need it the most. That is one of the most common misunderstandings about term life…it ends!!!

I see one of the biggest problems is most people are orphaned by their agent, so basically they sign you up and you never hear from them again which is bad news for you. Policies usually have decent options that you can convert the policy no matter what your health is and future options to make the policy last longer but if you don't take advantage of them in the required stages/timing they are useless. Most policies have a time limit on exercising those options The two cases they I spoke about the people were now 75 years old and unhealthy so now they do not have an option to renew their current policy and it goes up to $414 a month, so there out of luck . I can assure you that most companies are not going let you know about these options because it's not good for them, and most people don't understand. That is why you need to get an agent…. someone who cares about you and your future, you need someone is going to help you review your policies and situation every few years because it's constantly changing and make sure that your future options and what your family needs are met.

If your agent won't help you we can sit down and look at your policies in your situation help make sure that your future needs are covered you don't end up uninsurable…either way pull that policy out of the drawer and make sure you are not missing out on valuable options!!! Call us at 877-967-4766 for a no obligation review