You find yourself 28 years ago old…. you’re married now and about to have your first child! How exciting and overwhelming at the same time.
In this stage of life you are thinking about all these adult things like putting together a WILL and looking into LIFE INSURANCE! You’re one of the smart ones planning ahead but not sure where to start when looking for a million dollar life insurance policy.
Guess what!….I was there too!
I had an agent-a guide back then that I trusted and it saved me tons of time researching, AND I ended up getting a better policy at a better rate.
You need a guide like I had- that’s us! We are here to help you.
Now as far as getting that WILL done..you need to find another expert for that!!!
Lets review some common phrases or lingo of the insurance world…
How much coverage do you need?
A typical starting point is some quick and simple math.
You take your yearly income and multiple it by 10.
So for example; $100,000/year x 10= $ 1million dollars
We would suggest you look at getting a one million dollar policy. You may decide you need more or less….but this a good starting point.
Typically we tell our clients to consider that this policy would;
You need to choose a policy with a reputable insurance company. Some common terms used: “A+ rating”
What this means is that this insurance company is in good standing financially. For you, this means that if you die- you can count on them paying out the policy to your beneficiary.
That’s pretty important!
If you choose to work with us- we only have relationships with the very best companies. We won’t steer you wrong.
But, you have to be careful- sometimes you can get caught up with an agent with sale quotas-they may not have your best interest at heart.
You have a lot of choices- and there are tons of good agents out there.
We love to tell people we are a small business, a small FAMILY business since 1988.
Greg took over operations from his father Dave McAfee in 2015 and continues our client first approach.
We only have working relationships with the best rated companies.
No sales quotas- we really want you to be our client for LIFE.
You can reach us anytime by email or phone- and we will remember you by name.
We have life insurance policies ourselves- our family is protected and we want the same for you.
No pressure sales, No obligation.
Our team handles everything- because YOU ARE BUSY!!!
We just love what we do!
Don’t like talking on the phone…we get it! We love email/text too and can get all your questions answered.
Let’s review the common steps to get started:
How long does this process take?
It can take 1 day or up to 1-3 months, it all depends on your health status and underwriting process. The younger and healthier you are…the quicker it goes.
But don’t let this discourage you…. In a perfect world you would get a policy when you are young with no health issues, but that’s not always the case.
That’s when you need a guide! We know which companies to reach out to based on your health condition. Don’t be shy- we won’t judge you on your health stuff. We have high blood pressure and would like to be skinnier also, we get it. Life is busy and stressful. But you need this!
Let us do the busy work in getting your medical records for review…sometimes this can be overwhelming. We help the process stay on track, so no delays. Let us advocate on your behalf.
Please, don’t waste your precise time doing research, we already got this!