If you’re like most people where you don’t like risk (risk adverse) you may want to reconsider where your life insurance policy is, or where your money is. I have found that as I have gotten older (I’m not yet too old), that I don’t like a whole lot of risk. I would rather take lower gains and no risk of losing money than have the chance of losing money or getting higher returns. My belief is if I have a steady rate (no matter what that rate is) I can make definitive plans on how I am going to accomplish my goals. I also have saved money by canceling my subscription to the Wall Street Journal, and my blood pressure has gone down. If you have some of these same feelings then maybe we need to look over your current situation.
I don’t sell mutual funds, stocks, bonds, derivatives or any other potential risky investments (in fact I don’t sell investments at all), what I do sell is insurance, either protecting your current money by using fixed or immediate annuities, protecting your estate with the use of life insurance and long term care or if you’re working age, disability insurance. My services are free to you, as I charge no fees. You may ask then, how do I make my money, the answer to that question is I make a commission on the products that you buy from me. As I don’t charge for my services I only ask one thing from you, I would ask that if you like my ideas that you complete the transaction through me, and not someone else. My thoughts on that are simple, if the person that you want to use instead is so good, and is looking out for your best interests than why didn’t they present these options to you already. With that being said, I am not looking to steal business away from another reputable agent, but I am looking to take care of someone who is not being cared for in the manner that they deserve.
The companies I do business with may or may not have the cheapest insurance product, sometimes they do sometimes they don’t, but what they do have is the highest ratings in the industry. I will not sell a policy from a company with a low rating, to me that is risky, as your policy depends soly on the claims paying ability of that insurance company. Myself personally, I would rather pay a little higher rate and have the peace of mind knowing that the insurance company will be there to pay the claim when it comes time. That is why you buy insurance right? With that being said, if you don’t care about the stability of the company and care more about price, then I suggest you go to that website with all the flashy bells and whistles and buy a policy from them. These are decisions that you shouldn’t take lightly and you shouldn’t let anyone, including me, make them for you. Learn and know who you are doing business with, anybody can put up a insurance website, and anybody with a couple bucks and a quick self study course can get an insurance license, and anybody can sell insurance.
My insurance resume looks like this, licensed in my home state (Washington) in March of 2007, shortly there after I received my non-resident licenses in Idaho, California, Oregon and Alaska. I plan on getting a few more western states. I am currently taking courses toward my CLU (Chartered Life Underwriter). There are 8 courses in the CLU designation program, which are 300 level accredited college courses. What does this mean to you? It means simply that I am investing in my career through education to be able to take better care of you, my client. This investment that I am making is not only money, but a lot of time. As a good friend and fellow insurance agent says “I have skin in the game”.
Everyday I apply for a new job, the job of working for one more client. I am regarded by other professionals in the insurance industry for knowing the answer or knowing where to find the correct answer. If you have an insurance related question, I would be happy to do my best to answer it or find the answer for you. Give me a call and we can chat. I welcome the opportunity to review your insurance needs, and welcome the opportunity to provide you with a quote on any insurance product you may need. As always, your business is valued and your referrals are sincerely appreciated.