Life Insurance Changes
Although the basic uses for life insurance are the same as ever – income protection, final expenses, estate taxes, loan indemnification, legacy creation, wealth protection and a few others – the types you can purchase and the purchasing of it have improved greatly!
If it has been awhile since you bought insurance, you may want to see what is new, especially if you have health concerns.
Ash Brokerage is a brokerage firm that I have worked with for many years and their team of more than 375 industry experts is committed to investigating, analyzing, and comparing products and sales concepts. They have access to over 80 insurance carriers including Prudential, John Hancock, and Lincoln, to name a few. For rated or special risk cases, they have 11 underwriters on staff who carefully shop their companies to get the best offer.
As an example, I was recently offered a standard risk policy with one of the carriers who work with Ash Brokerage, only 8 weeks after donating a kidney, when I was told by many other companies before the surgery that I might be considered uninsurable.
As far as types of insurance, we offer everything from 10-30 year level term insurance, universal life insurance, no lapse universal life insurance, variable life insurance and traditional whole life insurance.
There is no better time to review your life insurance needs and options. Please give us a call or send us an email to get your FREE life insurance review.
Marc, Mary & Danielle