Brian Gruss Licensed Insurance Planner

This Valentine’s Day, why don’t you do something a little different for your special Valentine … how about saying “I Love You” by purchasing a Life Insurance Policy for the one you love?

What do love and life insurance have in common? More than you might realize. The motivation behind purchasing life insurance is love: We buy it because we love people and want to protect them financially.

We go to great lengths for our loved ones. We work hard to provide them with a life filled with happiness, comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our loved ones.

But what if you died tomorrow? Without your income and all the other things you do for your loved ones, would they be able to maintain their current lifestyle and keep future plans on track?

That’s where life insurance comes in. It can’t put your family’s life back to how it was, but it can keep your loved ones in the world they’ve always known. So if you think you need life insurance (or more than you currently have), now is the time to do something about it.

Brian Gruss offers multiple choices from a single source and will  help you through the process. We will ensure you get the right coverage amount and the right type of insurance for your specific needs.

What can say “I love you” better than a promise to provide for the ones you love, even after you’re gone. Call us today at 800.240.3390!!!

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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.

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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.

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