Life Insurance – Apply Online or With an Agent?

by Michael on May 3, 2011

in College Planning,Disability insurance,life insurance

Life insurance is one of those things that most of us need. That’s an easy statement.

  1. But what kind of life insurance?
  2. How much life insurance?
  3. What if I have health problems?
  4. What if I am old?

The thing about life insurance is that the name is a little antiquated and a bit misleading. I once had someone ask me; “Why is it called life insurance, it’s death insurance – isn’t it?” Well, ah, ah, ah, yea. Well, kind of.

You see life insurance allows our loved ones to keep going in the case of our death. It handles things for us, that we use to handle ourselves. Now it can’t replace us. But it can replace what we brought to the table … economically.  But did you know if can do a lot more than that?

Depending on what we buy, here is all the things that can be covered by “life insurance”.

  • Long Term Care for us – giving us money to pay for our care should we need assistance. This is helpful not only for when we are old – but if we are injured or suffer disease that requires we have help with daily needs for a period of time.
  • If we were to get Cancer or some other dreaded illness, our health insurance may pay for health care, but what pays for our living expenses if we can’t work? That’s right … life insurance might do this.
  • And life insurance can be useful in our Retirement Planning, Saving for College, and many other uses.
  • In its simplest form, it may pay for our final expenses … which can be much more than most people are aware of.
  • Life insurance also cares for short term needs – business needs – buy-sell agreements and the list just goes on and on.

If you have not had your life insurance needs looked at in the last five years, you owe it to yourself to spend some time doing this. I offer a free evaluation and the answers we arrive at will be based on what you believe. But you may think it can’t all be done … and that is where I come in. I will provide you with the information you need to have to make a decision.

Call me today at 209-390-1163 and let’s talk. If you prefer to do some checking online, feel free to visit my web life insurance application page where you can do this. But please understand that a web page is limited. I can provide you more complete information by you talking to me. But if you feel that term insurance fills the need for you at this time, the web page may be all you need.

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