Certainly, we all know a family who lost a loved one unexpectedly.
For me it was a very close friend at the age of 41.
After the shock, the reality sets in of trying to resume a lifestyle without a loved one. Without the income that loved one had provided it can be financial disaster for the family. Taking time to discuss your situation and concerns with an agent can help determine what type of life insurance program will work for you. Don’t let excuses get in the way of making a decision that burdens your loved ones if you’re no longer here for them.
If you are an internet shopper looking for the absolute best rate without regard for details, you may be better off looking elsewhere. Although we have some of the best rates in the business, I am not looking for business that hinges on today’s low price. After 20+ years, I’ve seen the great bargains disappear and witnessed the aggravation and frustration it creates. Life insurance is one ingredient in a recipe for your family’s financial well being and it needs to be approached with that in mind. The friendships developed while helping clients meet their financial goals are too valuable for me to treat life insurance as a commodity.
Read more about a true “life insurance” story
Call to arrange your personal “fact finding” interview today.
Life Insurance Basics…
There are two basic types of life insurance : temporary and permanent.
- Temporary needs include home mortgages or short-term debt reduction, family income and educational expenses and can last as little as one year or last 20 to 30 years or longer. Term insurance is the most cost effective method of insuring many short-term needs. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that could last 5, 10, 15, 20 or 30 years. Term insurance is a great way to get started with life insurance on any budget.
- Permanent needs include those that last for your entire life or potentially for periods of 15 years or more. Permanent insurance needs include final expenses, funds to cover estate taxes and retirement savings protection. Permanent and universal life plans are ideally suited for meeting these goals. Permanent plans are a long term commitment.
The primary purpose of life insurance is to provide cash for your family in the event of your death to ensure that they can remain in their home and continue to maintain an adequate standard of living. There are a number of factors that determine the cost you pay for life insurance including:
* Tobacco Use
Recent Survey Results Confirm…….Death rate is still at 100%…… despite what you may have heard about Elvis, etc….. Our time here is limited to an average of less than 100years. Knowing that your time here may be interrupted prematurely by death, life insurance is the only thing that can provide the “peace of mind” for your family for virtually “pennies on the dollar”
Click here to view a presentation about Life Insurance with ERIE
Click here to download and read my special report on Insuring Your Life ProperlySpecial Report – Life Insurance
Kind words from a few more happy clients…
“All the people at Williams Agency have been great! Anytime I have called they have been very professional, very helpful, and very easy to talk to! Their service and prices are unbeatable. Best of all they speak English !! Dependable places like the Williams Agency are becoming very hard to find”
-M. Coast Eldred, PA
I switched to Erie Insurance from Geico and my experience with the Williams Agency has been great. I like the payment plans offered as well as the lower premiums.
J Close Bradford, Pa
“I have nothing but kind words to say about Dan and his agency. He went out of his way to save us money with our car insurance when we asked if we could get it lowered somehow. He was also awesome when I needed to make a change to my life insurance policy. Thanks for all your hard work Dan. Keep up the great work!”
-S. Crooks Gifford, PA