It’s no secret that life insurance should be an essential part of anyone’s financial future – especially if you are in your mid-twenties. With the burden of student debt, rising home costs, entry level jobs that expect more and pay less, life insurance can seem like a cost that might matter later, but certainly not …
Why Your Twenties is the Best Time for Life Insurance Read More »
There’s nothing worse than hitting a roadblock when you’re trying to do the right thing to protect your family, right? Like applying for life insurance only to find out your application has been denied. If this happens, what’s your next move? Don’t worry: There are options out there, and as your insurance agent, we’re here to walk …
Life insurance is a powerful tool. It’s a means of ensuring that your loved ones are taken care of even after you’re gone. Can you apply for a life insurance policy if you have a mental health condition? The short answer is yes. When purchasing life insurance coverage, your health history is a big factor in whether …
Can I Get Life Insurance If I Suffer from Anxiety Disorder or Depression? Read More »
Working for yourself may sound like an ideal career situation. You have the freedom to grow your own business the way you want and without any of the parameters imposed by a boss. But it also means not having the safety net of benefits that are typically offered with a traditional job, such as life …
Why Is Life Insurance Important If You’re Self-Employed? Read More »
The primary purpose of life insurance is to protect family members financially after their loved one’s death. However, a life insurance policy is not offering guaranteed protection. In many cases, insurance companies keep their promise and pay the benefits to the beneficiary after the insured’s death. Very often, however, life insurance claims get denied for a variety …
Common Reasons Why Insurers Deny Life Insurance Claims Read More »
We all want our kids to live long, healthy lives, which is why child life insurance may not feel like a top priority. It’s worth considering, though, as it can lock in low rates and act as an investment vehicle for your children. As your insurance agent, we care about you and your family so …
Do Stay-at-Home Parents Need Life Insurance? One of the primary reasons to buy life insurance is to help replace your income if you have loved ones who count on you for financial support. But if you’re not working at a paying job, should you even bother getting coverage? In a word, yes. Because couples often …
If your kids have completed college or you’ve paid off your mortgage, you might be wondering if now’s the time to cash out your whole life insurance policy. Taking the cash value from your whole life insurance is a big decision and can have a lasting impact on your financial future. At Spencer Insurance Agency, …
What to Know About Cashing in a Life Insurance Policy Read More »
If your parents don’t have an insurance policy or the funds to pay their own way in their later years, you can buy life insurance for your parents yourself, assuming they’re on board and can qualify for coverage. However, buying your parents life insurance isn’t like getting them a surprise birthday gift. To take out …
Can I Buy Life Insurance on My Elderly Mom or Dad? Read More »
My name is Rachel and I would really love to share my story with you in hopes that you will see the importance of Life Insurance, even at a time when you still think you are invincible. I was 28 years old and got married in September of 1999. While on our honeymoon n …
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
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