I am an insurance agent. I am licensed to sell life insurance. It is my job. It is also NOT my favorite thing to do.
However...
Out of duty, I purchased an Auto-Owners Life Insurance Company Children's Whole Life Policy for each of my children for the maximum available Death Benefit at their birth. Mostly, to appease my carriers wishes. Honestly.
It is a great product... actually a SUPERIOR product. (I can throw in a bunch of insurance speak here but basically you lock in the rate at your baby's age, forever... and the amount of coverage doubles once they reach 25 years of age. Cool, right? Double the coverage, same price for 100 years or so.) THAT math works for me.
Another perk, though low on my list at the time, it gives my kids guaranteed life insurance if they get sick or "high-risk" before they realize they need to by life insurance... like lots of "grown-ups" do.
Wow... THIS was the best duty-bound action I ever did for my oldest daughter. Just before she turned two years old, she was hospitalized with respiratory distress. This happened another three times over the next year. After seeing the specialist, the word asthma started being used... although they don't technically diagnose a child at that age. Daily treatments started and so it began. Maybe she'll outgrow it. Maybe.
Guess what makes life insurance hard to get or REALLY expensive? ....having been given a diagnosis like "asthma"... ever, in your life.
She now is guaranteed to have life insurance at a low, low, LOW rate for the rest of her life. A policy she may not have been able to get or afford once she got to the responsible age.
Mama did a good thing... and now I actually am starting to "like" selling life insurance.
It can be many things for each individual but ultimately it is something that needs to be figured out BEFORE you even think you would need it. Call me. Call your current agent. Call somebody and talk about life insurance for you for your kids, your grandkids, nieces, nephews... everyone you care about. It matters. It's important. It's security... and peace of mind.
Thanks for reading my story. It might be a BIG thing but it was a little like an "ah-ha" moment for me... I wanted to share with you.
However...
Out of duty, I purchased an Auto-Owners Life Insurance Company Children's Whole Life Policy for each of my children for the maximum available Death Benefit at their birth. Mostly, to appease my carriers wishes. Honestly.
It is a great product... actually a SUPERIOR product. (I can throw in a bunch of insurance speak here but basically you lock in the rate at your baby's age, forever... and the amount of coverage doubles once they reach 25 years of age. Cool, right? Double the coverage, same price for 100 years or so.) THAT math works for me.
Another perk, though low on my list at the time, it gives my kids guaranteed life insurance if they get sick or "high-risk" before they realize they need to by life insurance... like lots of "grown-ups" do.
Wow... THIS was the best duty-bound action I ever did for my oldest daughter. Just before she turned two years old, she was hospitalized with respiratory distress. This happened another three times over the next year. After seeing the specialist, the word asthma started being used... although they don't technically diagnose a child at that age. Daily treatments started and so it began. Maybe she'll outgrow it. Maybe.
Guess what makes life insurance hard to get or REALLY expensive? ....having been given a diagnosis like "asthma"... ever, in your life.
She now is guaranteed to have life insurance at a low, low, LOW rate for the rest of her life. A policy she may not have been able to get or afford once she got to the responsible age.
Mama did a good thing... and now I actually am starting to "like" selling life insurance.
It can be many things for each individual but ultimately it is something that needs to be figured out BEFORE you even think you would need it. Call me. Call your current agent. Call somebody and talk about life insurance for you for your kids, your grandkids, nieces, nephews... everyone you care about. It matters. It's important. It's security... and peace of mind.
Thanks for reading my story. It might be a BIG thing but it was a little like an "ah-ha" moment for me... I wanted to share with you.
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