Life insurance is an essential financial tool that provides financial security for your loved ones in times of need. Selecting the right life insurance policy is a decision that requires careful consideration, as it will impact the future well-being of your family. To help you make an informed choice, here are nine important questions to …
9 Questions to Ask When Shopping for Life Insurance Read More »
Many exciting elements make up life as a newlywed, especially when you’re just coming off the thrill of a wedding and honeymoon. You may be looking forward to settling into a new routine, while simultaneously being aware that there are certain plans you need to make together for the future. Although it may not be …
Insurance is built on the idea that you should prepare in case something happens. If you get into an accident, you need to have auto insurance. If you buy a home and something were to happen, like theft or a fire, you need to have homeowners’ insurance to cover the costs. The list can seemingly …
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 …
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
