Getting a health exam when buying a policy

The first thing you should know that even though no exam life insurance seems more convenient, most of these policies cost AT LEAST 2 – 3 TIMES MORE than policies which do require an exam. If you are young and healthy, or even older and healthy, we would not recommend that you apply for a no exam policy if you want to save money. We would generally say you should never buy a no exam policy unless unless you are afraid of needles and the paramedical exam process, and want to get coverage prior to seeing a doctor about it.

If you need help discussing your situation for life insurance, you can contact me directly at chris@miglifeinsurance.com or (877) 977-0157

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When Buying Life Insurance look for an Independent Agent.

There are many types of life insurance agents as well as life insurance companies, but when it comes to picking an agent for your Life Insurance needs look no further then an Independent Life Insurance Agent.

Advantages:

  1. We can offer multiple options and offer policies that suit your specific needs.
  2. We work with multiple carriers so we know what carriers offer the best policies for you.
  3. We can comparison shop for you so that you know you are getting the best rates.

Apart from these we build connections with you that last beyond just selling a mere policy, If you need help discussing your situation for life insurance, you can contact me directly at chris@miglifeinsurance.com or (877) 977-0157

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Do you know why you need Life Insurance?

The purpose of life insurance is to provide financial support for your dependents if you are no longer around to do it yourself. If you don’t have any dependents, you probably don’t need to spend money on life insurance. If you are contributing significantly to the financial well-being of someone in your life, you think about protect from any financial gaps that might occur if you no longer able to provide the same support. The key is to understand why you need life insurance before you begin shopping for a policy.

Work with an independent broker who will help guide you through a conversation about your specific needs, there is no one size fits all but our brokers can help you analyze what the right policy means for you. If you need help discussing your situation for life insurance, you can contact me directly at chris@miglifeinsurance.com or (877) 977-0157

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Multiple Insurance Policies

There is no reason why, people can’t have multiple insurance policies to handle multiple issues. Having term insurance when your children are young so that the family is covered through their college years is common. Adding a whole life policy that is for business continuity purposes is another possibility.  Multiple policies for covering different risk scenarios is a smart idea, come talk to us at the Pacific Insurance Group so that we can help you figure out a strategy that works best for you.

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