How You Can Avoid Being “Ripped-Off” On Your Life Insurance!!!
If you haven’t reviewed your life insurance in a while, don’t read this report . . . It will break your heart!
Chances are when you first purchased your current life insurance policy it was probably a pretty good deal.
However, there is something you should know why…
Busy People Almost Always Overpay For Their Life Insurance
Most busy people like yourself buy a life insurance policy, throw it in a drawer…and forget about it. But since you rarely have time to review your coverage, you’ve probably never noticed the scheduled price increases kick in as you’ve gotten older.
Do you see what I’m saying here?
You must make a habit of reviewing your policy each and every year to be sure your prices haven’t sky-rocketed on you!
Common sense, right? You bet ya!
But this one step alone could save you from flushing hundreds, possibly thousands, of your hard earned dollars right down the toilet.
Which brings up a very interesting point.
Life insurance rates are all about the same, right?
Wrong! Wrong! Wrong!
Unlike all the other costs in life, such as oil, gas, food, clothing, college education, health insurance, etc. that have risen over the years, life insurance rates, on the other hand, have been FALLING.
That’s right, LIFE INSURANCE RATES ARE FALLING!
Why? Primarily because people are living longer and that drives down the cost of life insurance rates.
Let me tell you a quick story that happened to a client of mine.
$50,000 Dollar Mistake
My client, let’s call her Ms. Smith to protect her identity, had purchased a life insurance policy from a well-known insurance company over five years ago from another agent.
When I approached her to review her life insurance policy, she was adamant that her insurance agent had sold her the best policy possible and for the best possible price.
When I reviewed her insurance policy and told her what she was getting, she was shocked. She became mad at her agent.
Why? Because all that time that she was paying for her life insurance policy, she was overpaying and getting less coverage.
Because for the same premium that she was paying, she could have an additional $50,000 of coverage.
That’s right. $50,000 of additional coverage for no additional premium increase!
Could you imagine what an additional $50,000 benefits would do for her heirs? And, she didn’t have to pay a dime more.
My client just couldn’t get over how much of a difference there could be for what insurance companies charge for the same exact coverage.
Let me drive home another important point here.
The bottom line seems to be that few people actually shop their coverage. Too often you settle on the recommendation of a family member, advisor or worse yet, a “know-it-all” friend.
Most people don’t know this, but many quality insurers have made a specialty of offering cost effective coverage. However, finding these companies isn’t always easy. They’re smart, low cost firms that it pays to know, but it’s hard to find out about.
This is where I come in.
My company has streamlined the process of shopping for life insurance. I have a system that monitors nearly 200 of America’s top life insurance companies. All the companies I quote have been rated Excellent and Superior by AM Best, an independent rating service that’s recognized as an authority on reviewing the financial stability of insurance companies.
It’s also nice to know that not one of the companies in my system has ever failed to pay a valid life insurance claim for as long as it has been in business!
Since I am an independent agent, I am not controlled by any insurance company.
So I don’t have to push you to go with a particular insurer.
Does all this make sense so far?
As I mentioned a few minutes ago, there are nearly 200 insurance companies that my system monitors. So you’re sure to get competitive rates.
It’s just that basic.
THERE’S SOMETHING ELSE
I’VE DONE TO MAKE YOUR LIFE EASIER
As long as you’re a client, I will automatically review your life insurance policy each year.
Year in. Year out.
I do this to make sure you always have the best deal on your coverage.
So, with me monitoring your policy, you can finally put this issue to bed and have financial peace of mind!
So, if you’re sick and tired of outrageous life insurance costs, take a stand. Contact us today or call (810) 714-9021 for your complimentary life insurance review. And, please smile, ‘cuz you’re about to find out how much money you’re going to save!!!
