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!!!

Tags: Dedicated Team, Future Plans, Great Lengths, Gruss, Happiness, Insurance, Life Insurance Policy, Lifestyle, Motivation, Multiple Choices, Perfect Day, Single Source, Team Of Experts, Valentine Day, Valentine Gift, Valentine S Day

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.

Tags: Buy Insurance, Buy Term Life Insurance, Death Benefit, Gruss, Insurance, Insurance Coverage, Insurance Life, Lifetime, Simple Answer, Simplest Form Of Life, State Of Washington, Tens Of Thousands, Term Insurance, Term Life Insurance, Term Life Policy, Thousands Of Dollars, Whole Life

The Facts of Term Life Insurance

Term life has no cash value, so you can?t borrow against it or cash surrender it. If you stop paying for it, you lose it. Term life insurance provides coverage for a limited period of time, the relevant term. After that period, you may drop the policy or pay annually increasing premiums to continue the coverage. Term life policies do not have a cash value feature. This means that the coverage pays the face value of the policy during the specified term of the policy, which can be from one to thirty years.

Term life is best for those who need temporary coverage; for example, you may need to protect a business, cover a mortgage, or provide for a growing family in the event of your death. You may also be building some retirement assets which could make life insurance unnecessary once your family is grown and your bills are paid. Term life insurance is, quite simply, insurance that protects you for a specific period of time, or “term”. You pay your premium and if you die during the period of time that you’re covered, the insurance company will pay benefits to your loved ones.

Term life insurance is simple to understand, and allows for personal choice. You pay a (low) monthly premium based on the term length and amount of coverage you choose. Term life insurance lasts for a certain period of time normally 1 to 30 years. Ten years and 20 years are the most common terms.

Contact Brian Gruss today for a free Term Life Insurance Quote by calling toll free 800-240-3390 or by filling out the form below

Tags: Face Value, Free Term Life, Free Term Life Insurance, Free Term Life Insurance Quote, Growing Family, Gruss, Insurance, Insurance Company, Insurance Coverage, Insurance Life, Insurance Term Life, Life Insurance Quote, Limited, Mortgage, Period Of Time, Personal Choice, Premiums, Relevant Term, Retirement Assets, Term Insurance, Term Life Insurance, Term Life Insurance Quote, Term Life Policies, Thirty Years, Value Feature