Life Insurance

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death. 

A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

We also consult on the following life insurance policies:

• Permanent life insurance, including:
• Whole life, Universal Life, Limited pay, and Endowment
• Term Life Insurance
• Indexed Universal Life Insurance

Caveat Emptor when buying insurance…..

In this high tech world we live in today buying the right type of insurance for your family is not easy ! With all the media blitz's on buying life insurance saying how easy and no salesman will call you may think why bother with an agent. 

No one including myself likes a high pressure sales pitch but maybe you are looking at it the wrong way. When I meet with a client my job is to help educate them, teach them the how's and why’s of insurance and then to help them to decide what may help their particular situation. 

Most people do not understand the difference between accidental and basic life coverage or the ramifications of term verses permanent. The wrong choices now will affect you for a lifetime because all these types of coverage are based on age, the older you get the more it cost! Let alone if the policy has limited benefits you may not have the claim paid when you need it the most. 

I think another important thing is people don’t realize that all these programs are underwritten...meaning you need to qualify! So if you are part of the 50% of people who have had any medical condition or are overweight or do not meet these companies stringent guidelines you will be declined! Our job is to make sure you qualify for the programs we quote. When you do an application online or via phone these people do not care if you qualify they just want an application. I have seen it more than once, people declined by some company with ridiculous guidelines. 

The best way to prevent problems is take the time to meet with an agent to discuss your situation. Everyone has different goals and needs and if any TV ad or website or radio commercial tells you different - caveat emptor!!!! 

If you would like to discuss your needs feel free to contact us at 877-967-4766

Discover the advantages of insuring with Steven G Kiel Sr Learn more.