Most people I meet don’t have enough life insurance and they are surprised at how affordable coverage can be.  In many cases exams are NOT required.  Some policies are Guaranteed Acceptance; No medical questions asked.  When considering the type of policy to apply for you want to consider:

  1. Your Needs -how much insurance you need
  2. Your Budget -how much you can afford to pay in premiums
  3. Your Health -the healthier you are the less it costs
  4. Your Goals -what is the purpose of the policy and how many years will it need to remain in-force

We work with many A rated companies and shop to find the best coverage and rates.

 Click this link for a Life Insurance Need Calculator:  https://lifehappens.org/life-insurance-needs-calculator/

 (The link is also on my website under insurance center) Also I work with many different companies.  Most apps can be done online or over the phone.

 Term Life policies:

  • Have lower premiums
  • Can leave people without insurance once the original term ends.  For example, a 10 year term policy is designed to last 10 years.  After 10 years you would have to pay a very high  renewal rate or shop for a new policy based on your current health condition which could difficult and/ or expensive

Universal Life (UL) and Whole Life (WL) policies:

  • can last your lifetime with level premiums
  • help fund retirement / Long Term Care / In Home Care expenses
  • can be an excellent source for a future loan to yourself.

It’s better to act now vs. waiting 

  • Life insurance cost less if you are younger vs. older
  • Your health could change (get worse) and make it more expensive

Don’t wait and pay more! Contact me today 708-799-2655 or jeff@goodmaninsuranceltd.com to get started.  Looking forward to working with you!

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