Why Everyone Needs Life Insurance
Out of all of the lines of insurance I offer , I find Life Insurance as a conflicting matter to some customers , especially between couples. Most recently I came across a situation where a husband had submitted a life insurance application on himself with every intention of protecting his wife in case he should pass away unexpectedly. One of the conditions he had, especially because she was an equal bread winner who's income he would concurrently lose in the event she pre-deceases him, is that she take out a policy as well in his benefit. She was deathly afraid of having her blood drawn on the exam due to needles, therefore this led to arguments end eventually the husband abandoning his life application. As an agent , there is only so much I can do in a situation like this. Unfortunately , in spite of my mediation efforts, this couple could not come to a resolution on this matter of Life Insurance and is not uninsured in this area although they carry their home, autos, umbrella and earthquake insurance with me.
Out of all of the lines of insurance I offer , I find Life Insurance as a conflicting matter to some customers , especially between couples. Most recently I came across a situation where a husband had submitted a life insurance application on himself with every intention of protecting his wife in case he should pass away unexpectedly. One of the conditions he had, especially because she was an equal bread winner who's income he would concurrently lose in the event she pre-deceases him, is that she take out a policy as well in his benefit. She was deathly afraid of having her blood drawn on the exam due to needles, therefore this led to arguments end eventually the husband abandoning his life application. As an agent , there is only so much I can do in a situation like this. Unfortunately , in spite of my mediation efforts, this couple could not come to a resolution on this matter of Life Insurance and is not uninsured in this area although they carry their home, autos, umbrella and earthquake insurance with me.
Life Insurance is the most important product I can offer for my customers because it is a deeply emotional decision for people when thinking about death and the well-being of their loved ones. It is my duty and my staff at the Jeff Milber Farmers Agency to educate and present people with the right options for their specific situations. What amazes me is how few people have ever been asked or offered life insurance and most do not understand the concept behind it before initially talking with me about it.
Life Insurance will not bring back your loved one however no matter how you look at it, you will eventually face the financial ramifications of the loss, whether it be paying for final expenses, being saddled with a mortgage without the use of the income from the deceased or the existence of other consumer loans that must be addressed .I have found as well that many parents would like to pay for their children's college and factor that into the equation of our financial analysis of their portfolio in respect to arriving at the right figure to insure them for.
In conclusion, this is a topic many people widely ignore until it is too late to qualify for life insurance due to are or health conditions that arise. Your eligibility window is dependent on these factors and pricing favors the young and the healthy.
Please do not allow this topic to be swept under the rug and at a minimum learn more about it for the sake of your family and loved ones. I am here to help.
Jeff Milber, Agency Owner. 619-938-3123
Check me out on Yelp! https://www.yelp.com/biz/farmers-insurance-jeffrey-milber-san-diego-2
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