If you’ve stopped smoking in the last 12 months, there are several insurance carriers that will allow you to sign an attestation stating that you stopped smoking, and change your rates to the non-smoker rate. This will save you tons of money on your insurance. If you need help doing this I would be more than happy to help you out.
Why buy term life insurance instead of other types of life insurance.
Simple answer is because term life insurance is the purest and simplest form of life insurance. If you pay the premium “the company” will pay the death benefit. And as long as your term life policy is a level policy your rates will not increase in the term policy, they will stay the same for that same term. Term insurance coverage is not just less expensive than a traditional whole-life policy. It’s substantially less expensive. For example a 35 year old male in the state of Washington can get a $200,000 20 year term polcy for around $12/mo. Whereas that same $12/mo. would buy about $1445.00 of death benefit. As you can see often, the difference in premium is thousands of dollars per year, and tens of thousands of dollars over one’s lifetime. Talk with your agent Brian Gruss today and see just how inexpensive a term policy is. Even if you already have a term policy, let’s take a look at it, right now term rates are the cheapest then they ever have been.
Why do you buy insurance?
Insurance is purchased for one reason and one reason only, to protect against a potential future risk. Traditionally purchasing insurance is not fun, it’s not easy and you really are not for sure after you purchased a policy whether you did the right thing.
I work with my clients to educate them of all their options so that they can make the best decision for themselves, family or businesses. You may be asking why I don’t push my “goto” carrier (which in the insurance field is usually the one paying the highest commission). First of all I don’t have a “goto” carrier. I contract with mulitple “A rated” carriers, and use them equally so that my clients have the best available options for their unique situations.