Each person and each family have different and unique financial needs. How much protection you need will vary with your life stage.
What a single person or married couple needs starting out is quite different than someone with children entering college, getting married, and so forth.
Purchasing any type of life insurance coverage is an important decision that will have a significant and lasting impact on you and your loved ones. Purchasing the appropriate policy, however, can be complicated and confusing.
The key to finding the right amount and the right type of coverage, is working with a dedicated professional focused on your unique needs, financial goals and budget.
“Quite simply the best medicare and final expense agent out there! We saved money and Paul answered all of our questions!”
– Stephanie & Paul Jones, Birmingham
How To Choose
A Licensed Professional:
Understands Medicare and knows where to find the answers to your Medicare questions and how to explain it to you so you understand it better.
Understands your financial situation, including your financial assets and obligations, as well as your personal situation (that is, your age, marital status, dependents, etc.)
Explains, in terms you can easily understand, issues, options and planed use of your coverage
Does not use high-pressure sales or scare tactics to force you into a decision, but rather works with you to formulate the proper plan that meets your needs and fits your budget.
Is more concerned about becoming your “agent for life” than making a single sale; someone who will be there when you need them.
Will review with you periodically — perhaps every one to two years — whether the coverage continues to be suitable for your needs and circumstances, or if a change or additional coverage is needed.
Is independent and represents several top insurance carriers that allows them to pick the best plans for you. They are not locked into using just a single life insurance plan that may not be the best choice for you.
Has received extensive training, and participates in a regular and ongoing training program to stay current with trends and changes in the industry.
Is licensed by your state department of insurance and in good standing.