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
September is Life Insurance Awareness Month. Soon many employers will have Open Enrollment for their benefit plans. Most employees wait until it is too late to review choices. If you are currently purchasing life insurance in a Employer Group Plan then pay attention. You may be paying too much! Here is an answer to the
FAQ: Should I purchase the supplemental Life Insurance offered by my employer? Read More »
We live for life’s wondrous moments whether it’s a baby’s first step, graduation, or retirement. Life Insurance helps to ensure the life you’ve built for your loved ones won’t come to a halt if something were to happen to you. It’s never too early or too late to consider all the things life insurance can
September is Life Insurance Awareness month! Read More »
I am not surprised when I hear people say that Long Term Care Insurance is so confusing that they do nothing. One of the problems is that too many agents make it confusing. It is very simple. Ask yourself “How much of my retirement assets do I want to protect form long term care expenses?”
Confused about Long Term Care Insurance? Read More »
One of our responsibilities at Spencer Insurance Agency is to make sure you have the proper protection so you can go out and enjoy what you like to do. For example, many of our clients like to waterski, snorkel, scuba dive, Jet Ski, rock climb and ride motorcycles and ATV. You work hard so you
Don’t forget to protect your family while you enjoy your summer activities! Read More »
Now that the tax deadline is here, all of us have either paid or extended our tax deadline. Even if we extended the deadline we still paid what we estimated will be our tax. So, I ask you, was doing your tax return a “Wake up Call?” What do I mean by Wakeup call?
Tax Deadline – Did you get a “Wake up Call?” Read More »
Many clients have asked me this question: “In the past I received my Social Security statement by mail near my birthday. I have not received one recently, what happened?” The U.S. Social Security Administration no longer mails the statements. You can still get your statement annually by creating an online account on “My Social
Do you know how to get your annual Social Security Statement? Read More »
Life Insurance Awareness Month is coming to a close. Before it does I wanted to share again with you a powerful story. If you have been procrastinating when it comes to the purchase of life insurance then you need to read “Rachel’s Story”. This is not fiction, it is real! I met Rachel through
Have you put off buying life insurance? Check out Rachel’s Story. Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
