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An analogy that can be made between
term and permanent life insurance is like
comparing leasing an apartment to
purchasing a new home. Buying term
insurance would be like leasing an
apartment and purchasing permanent life
insurance would be like buying a new
home. Even though one may conclude
that purchasing would be better than
leasing, when it comes to life insurance
there isn't one that is better than the
other. It all depends on your needs and
plans for what you want the insurance to
provide for.

It is human nature to think that tomorrow
will always be there, but for some of us,
tomorrow never comes. Losing a loved
one is one of the hardest things in life to
cope with. Do you want to make it even
harder for those left behind when they are
faced with the additional burden of
having to pay for your final expense
costs, unpaid bills and the mortgage or
rent all by themselves? Protect them with
life insurance!

A few tips to purchasing a
life insurance policy

1. Just as with health insurance, don't
wait till you REALLY NEED the
coverage! By that time you'll be that
much older, you'll be sick or you will
have encountered a health issue that will
cause your premiums to be significantly
more than you anticipated. That is, of
course, if you can even qualify for the
coverage.
2. . If you're 30 ½ years old, you're as old
as 31 in the eyes of the insurance
company. Most insurance companies
round up when determining your age,
and because premiums increase with age
that can make a big difference. So, if
you're approaching 30 ½ and you have
thoughts of applying, don't wait!
3. If you are considering buying $90,000
of coverage, buy $100,000 instead. Many
times it will cost less, the same or just a
tad more for additional coverage.
Insurance companies give breakpoints at
$100,000, $250,000, $500,000, $750,000
and $1,000,000.

The Benefit of an Independent
Agent

I work for you! I represent many life
insurance companies, all of which are "A"
rated. I will look for the company that offers
the most favorable rate for your situation.