Brian Gruss Licensed Insurance Planner

I found this article in the Columbus Dispatch Share me about a Life Insurance Scam.  This scam targets seniors (since most senior are not reading this, pass this on to your folks).  Basically what happens is life insurance agents without any morals that are looking to make a quick buck are persuading seniors to get a life policy they will (or “investors”) will pay for the policy and will give them money up front.  The life insurance agent makes money on the commission of the sale, the “investor” has a little bit of money on the line, but when the person dies then they get the life insurance check.

The life insurance agent knows better than to do this, so my only explanation why they would do such a thing is pure greed.

Bottom line, get to know who your doing business with.  If your a senior bring in a child into the meeting.  Any life insurance agent that isn’t conducting funny business won’t mind you having your children or a friend to be with you while your conducting business.

To get a term life insurance quote feel free to use my quote form http://www.buytermlifeinsurancetoday.com/ if your looking for a final expense policy, or a whole life or Universal Life policy contact me using the form below.

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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

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