Are You Covered?

I keep seeing these Ads from Ethos Life Insurance Agency. 300,000 in coverage for a $1.00 a day (31.00/mo) for 10 years... Not bad. If you're a female (it's a young woman who quotes this in the ad) Non-Smoker and in good health I can get you $300,000 dollars for 30 years at $22.19 a month but if you want to compare apples to apples it's $11.87 for 10 years. Flashy Ads are nice but please get quotes and then make an informed decision. I'd be glad to help. ... Scott

You would be surprised at how many people run out of time

Started your own business? Awesome. Getting traction and notoriety? Yes. Busting your hump to keep it going? Fantastic. What happens to your business if you get sick, injured or incapacitated in any way for several weeks? If you are not sure of the answer to that let's talk. Please.

Although the Stones sang that "Time is on my side" it actually is not. It never is, sadly. I can't stop time but I can make sure that when it does, your family will be okay.

Insurance is for the unexpected. Click the Player.vimeo to see a short video

This can be avoided and it's not as expensive as you would think. Reach out to me for a quote no commitments.

Why Voluntary benefits can be helpful to your new business or in helping attract employees to your established business.

A message from the one of the Owners in a Group Policy in which a Spouse of the Biz partner died in a car accident last week: "You did good by us. You advocated for us every step of the way. We may not have gotten what we wanted but you kept at it to get L*** covered (the deceased). Our policies with you were the 1st step in securing ourselves for when we all left our workplaces to work solely for ourselves. I try to look ahead and plan well for the unseen and this is definitely an example and I am glad you were there to help the rest of the partners get in order. So for that, look at yourself as assisting to accomplish our goals. Thank you Again."

I wrote a Group Life Policy for a small business and it was a pain to get done especially with the employees. Between getting the info from the Employees and some of the madness from the carrier I was starting to wonder if it was even worth it. However it all finally got done. Premiums were paid and life moved on. Until Last night one of the Spouses of the employed was killed in a Car Accident and I got a call a couple of hours ago. Guess it all made sense why all the madn...ess was worth it. I called the carrier, got all the info they needed and will be delivering that to them later today. Friends do not trip, $hit Happens and it can happen at any time. Do not leave this burden on family. There are plans out there that are incredibly inexpensive. There are plans out there that will cover you no matter what has happened. If you have questions, let me know, I'll be glad to answer them.

Over the last 12 months Colonial Life & Accident in paying claims 49% of them were for Life Insurance.Over the last 12 months Colonial Life & Accident in paying claims 49% of them were for Life Insurance.

Voluntary Benefits are starting to be the go to in helping round out Benefits Packages. This article is pretty good outlining trends

Lost a dear friend of the family and lost another friend's Father in Law. May they both rest in peace.Lost a dear friend of the family and lost another friend's Father in Law. May they both rest in peace.

I know this sounds crazy but this world promises and owe none of us anything... Please if you can at the minimum get enough insurance to cover those loved ones. You'd be surprised at how inexpensive it can be. In the meantime may peace and love enter into this poor girls family's hearts. So sad.

Can Grandparents buy Life Insurance for their Grandkids? Yes, the Grandparent owns the policy, they do not need the parents permission and at some point in the future that policy can be gifted to that grandchild with a significant cash value in it to help them if they need it. For more information please feel free to ask me or you own Personal Insurance Professional. Protect those loved ones.

Time is the biggest killer in obtaining a life insurance policy that can protect your most precious assets.

I work with Voluntary Benefits and sold a guy an accident policy as he is a General Contractor. He had just taken out a heater and was taking it to a junk yard to scrap and while driving down a 1 way street a woman driving the wrong way head on collides with him. More damage to her car and her but he got a little banged up. Yet that policy will pay him for initial Doc Visit, a follow up visit, X-rays, PT etc.... It cost him 13.00/month and he will get a check for his accident. If you work in the trades and would like accident insurance contact me.