Life Insurance
Policy Review
Many
people don't realize that the cost of a term policy goes up
significantly after the initial term is up.
However, you
have options that allow you to keep the policy in force for the rest
of your life, but most most people don't realize this until it is
too late. Let us go over your options with you as a free service.
Call us at (800)
610-6418 to take us up on this
beneficial free service.
In many cases the policy you purchased
several years ago may be the best one for you. In other cases, it
may be more advantageous to upgrade your policy to a more cost
effective policy that would allow you to either get the same
coverage for less money, or even more coverage for the same money.
Even if we are able to improve your current policy, we commend you
for taking the steps to protect your family.
Please continue reading our FAQ for
additional information on policy reviews.
Q.
Why is it important for me to review my
life insurance?
A.
The same reason you got it in the first
place... to ensure the ongoing financial security of your family.
Do I have enough
coverage?
This is one of the primary questions you should ask yourself.
Maybe you had one or more children since you purchased your plan
and you want to make sure they go to college. Maybe your spouse no
longer works or CAN work and needs income replacement after
you are gone. Or maybe you just didn't buy enough the first time
around. Maybe you need less! Unless you do a review,
you won't know for sure.
Is my term insurance going to run out
when I most need it?
Even if you started with a 20 or 30 year term
plan, it may be set to run out right when you need it the most,
when you are older and sicker. What can you do? Well if you are
still healthy you can always supplement your policy with more
term. If your health has failed you, or you no longer qualify or
your rate would be too high for more term, you can convert your
term to a level plan, such as a Universal Life plan. That's really
your best bet in the long run.
Do you have an old
Whole Life policy that has been in place for a long
time?
We applaud everyone for making the decision to
protect their family in the first place. But why not turn a good
idea into a great idea... Let us show you how to upgrade your
plan. In many cases we can either lower your cost, increase your
coverage, or make your cash value grow at a faster rate. If you
have any policy that has been in place for over five years, there
is a 90% chance that we can significantly improve your situation.
Just call us to find out what we can do for you!
We're here to help...
We help people understand their insurance situation
every day. Our job is to help you continue to provide security for
your family for the long run.
Simply give us a call at
(949) 394-7676
for a free review.
Click here for a quote
Questions?
Call
(800) 610-6418
William Lorenz
California Insurance License:
0D61899
