As your life changes, so will your insurance needs. Our life specialists will work with you to find a solution that fits your needs no matter what your situation may be.
PREMIUM BASED ON
Premiums are representation of you as a risk. Your occupation, age, health, and habits all play a role in your risk, which the insurer will turn into your rating. We’ll use a little compare and contrast technique here; life insurance is basically the opposite of auto insurance. Generally with auto insurance, as you get older you tend to see your premium decrease. However, with life insurance, as you get older your premium will increase.
HOW TO SAVE
We hinted at the first way to save money in the above paragraph; get your life insurance as soon as a need arises! A need can loosely be defined as a major life milestone – think buying a house, getting married, or having a baby. These are all occasions where you should be inquiring about life insurance for the protection of your loved ones. Additionally, if you’re a smoker, we’ll give you thousands of reasons why to quit!
INFO TO HAVE HANDY
Our in house specialists keep things simple, but still get all the information needed. We start by doing a pre-underwriting assessment to ensure accuracy. Don’t worry about it taking too long, or any types of test though, we are just going to find out a little bit about you and your lifestyle so we can make informed decisions during the quoting process.
Completing an accurate needs analysis is at the foundation of our life insurance process. Other companies will make recommendation without looking into your situation, but we are not okay with operating that way. We want to find options that are customized to your needs and your lifestyle.
Additionally, as brokers, we can look at a number of different insurance companies, and select the one with the mixture of best premium and best coverage to ensure you get the best value!!