life insurance awareness month - Spencer Insurance Agency, Inc

Updated Fall Section of our Website now available

Updated Fall Section of our Website now available 

As summer comes to an end and the season of fall begins I wanted to share with you some Fall Safety Tips.  I updated this section with some valuable tips on what you can do today to prevent claims as winter approaches.

You will find home safety tips, car safety tips and teen driver safety tips.  And, since September was Life Insurance Awareness month I included some life insurance tips.

As always contact us if you would like more information or have any questions.

Let me know what you think of this section.

Enjoy the Fall!

 

 

 

September is life insurance awareness month.

LIfe Insurance and Disability Insurance. Get protected    

Have you purchased life insurance to protect your family from the loss of your income?  If not, what are you waiting for?  Check out Rachel’s story.  She provides a real life example of why you should not wait.

Most people overestimate the cost of life insurance.  Spencer Insurance has many companies that offer low term life insurance rates.  These low term insurance rates are only available while you are still healthy.  The younger you start the less expensive the cost.  A young person age 26 can lock into a 30 year term.  The cost would stay the same all the way to age 56.

According to studies, many people didn’t buy life insurance because no one ever asked them to buy it.

Well, I am asking you.  Contact us today for a life insurance quote.  Our website has a section that discusses life insurance.  Check it out today.

Don’t procrastinate!  When a parent dies the family is devastated emotionally.  Don’t let your family be devastated financially too.  Contact us today to buy life insurance. We are glad to assist you.

   

Spencer Insurance was voted “Best Insurance Agency” in the Best of Montco 2015 – 2016 – 2017!!

 

Why don’t you have life insurance?

LIfe Insurance and Disability Insurance. Get protected

Is it the cost?  No one asked? Uninsurable?

September is Life Insurance Awareness Month.  I want to dispel some of the myths associated with life insurance.

First, It cost too much.  Check out this video.  Life insurance may cost less than a cup a coffee a day. No excuse to subject your family to the financial blow of losing your income.

No one asked?  Well, I am asking you to consider protecting your family from this devastating financial blow.  Don’t procrastinate.  Read Rachel’s Story as she shares her story on why she wishes she did not wait.

Finally, Uninsurable?  Are you sure.  If one carrier said you are uninsurable or a high rate class get a second opinion.  We have companies that are better for certain situations.  Give us a call at 215-885-2200 to see if we can get you some coverage.

Nobody likes to talk about death, but let us help you protect your family should you die.  We can’t help with the grief your family will have should you die prematurely.  However, we can make sure this sadness is not compounded with financial hardship also.  Contact us today for a Life Insurance Review.

The 7 Wonders of Life Insurance

life-family

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 and do for your family.

Life Insurance:

  1.  Buys Time – Loved ones can focus on their grief instead of worrying about how to pay for the funeral and other final expenses.
  2. Provides a fresh start – By helping to pay off credit card bills, outstanding loans and even the mortgage, life insurance starts your family members off with a clean slate.
  3. Generate Income – Surviving family members can continue to pay for life’s necessities for years to come
  4. Offers flexibility – Family members may take time off from work or transition to a more adaptable work schedule.
  5. Creates opportunities – Funds may be used to start a business or pay for schooling to train for a new career
  6. Funds for the Future – Loner-range goals, college education for the children or a comfortable retirement for a surviving spouse may be obtained with the insurance proceeds.
  7. Helps leave a legacy – Parents have the chance to leave future generations a legacy of long-term financial security.

Life insurance can be life changing.

Call us today at 215-885-2200 for a life review

Or check out our website

Share with us how life insurance has helped your family or someone you know. . .

What is keeping you from getting Life Insurance?

Facts from LIMRA:

  • Three in ten American households are uninsured and half say they need more insurance.
  • More than half of Gen X and Y households need more life insurance.
  • One-third of wives own no life insurance at all – despite the fact that 7 in 10 households are dual-income households and nearly 30 percent of wives earn more than their husbands.

 

Why should I review my life insurance policies?

  • You quit smoking.
  • You heath has improved.
  • You recently married, had a child, bought a house, divorced, downsized or are considering retirement.
  • You have a partner or a key employee in your business.
  • You have coverage through your employer

 

Are you relying on the life insurance that your employer provides?

Note: Open enrollment for most employers is happening soon.  Contact us now as it can take 6 to 8 weeks for your life insurance to be approved.  Compare and apply now before you need to commit to your employer’s plan for another year!

  • If you are having premiums deducted from your paycheck for life insurance provided by an employer give us a call to review the cost of that policy
    • You will find the rates change, usually every 5 years, and can become very expensive as you age.
    • Many times we can provide you the same coverage for less than you are spending now or provide more coverage for the same amount you are spending now.
    • Major problems with employer coverage
      • Price increases as you age
      • Not portable, meaning if you change jobs you may lose your life insurance.  What happens if your health has changed and  can’t get life insurance or purchasing life insurance on your own is now very expensive?

 

Solution: Call us for a review of your life insurance needs. Today’s economy has demonstrated how precarious a family’s finances can be.  Think how tough it will be for your family if they lose your income!  Don’t procrastinate; we all think we are invincible.  Go to our website and read Rachel’s story.  Her story which she was so kind to share with me will demonstrate why you can’t wait.  Check out our website for more information about Life Insurance.

Don’t Bet your Life!

Do you see life insurance as a bet?  “I am betting I will live and the Insurance Company is betting I will die.”  I hear this phrase too often!

Here is one of my secrets. . . We are all going to die!  The question is WHEN. I urge you to get a life insurance review now.  Don’t wait until it is too late and your surviving family members are not only grieving the loss of a parent but are also in a financial mess!

September is Life Insurance Awareness Month.  A couple years ago I asked Rachel to share her story.  It is a powerful story.  Listen to her words. . .

Rachel’s Story

 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 in St. Thomas my wisdom teeth became abscessed. I had just switched jobs so I was in between health insurance. You know I was 28, who cares about the 3 month waiting period.  I didn’t need COBRA.  So I bought some time with over the counter aids. In October I woke up and my neck felt stiff.  I rubbed it and found a lump on the right side just below the ear.  I went to my family doctor who said that it was a swollen lymph node to fight the inflamed wisdom teeth, but he sent me for a CAT scan just to be safe.

The CAT scan came back negative and as soon as January hit I had my teeth pulled and my doctor said it would take about 30 days for the lymph node to go back to normal.  After 30 days it was still swollen.  My doctor sent me to an Ears, Nose
and Throat specialist who treated me for two months on antibiotics and when it had still not gone away and another lump showed up on the left side, he decided it was time to remove the “dead lymph node.”

So into surgery I went.  The next day the doctor called and told me I had Stage 3 cancer.  Long and short, I survived, but in the mean time my husband and I had bought a house and then after I recovered decided to start a family.  After 3 years we decided to adopt and that is when I found out, at the age of 33, that I was going to have difficulty getting life insurance because of my past medical condition.

I filled out the paper work and told the truth when the questions about cancer came up. Thank God the paper work I presented when we applied was all that was needed to proceed with the adoption because my daughter was born the next month.  About a month after she was born I was denied life insurance after the company had received my medical history from my primary doctor.  Thankfully for us, all the papers were filed with the courts so it did not affect our adoption
of my daughter, Faith.

I tell you this story as detailed as I felt necessary because you can see that the time in between getting married and the time of my diagnoses, I could have applied and  gotten life insurance.  Then I would have had the life insurance I needed for an actual event in my life, the adoption of my daughter.  The adoption required that I have life insurance to be a Mother.  At age 28 I was young and invincible, but now I am a 38 year old cancer survivor, waiting out the time limit of 10 years so I
can get life insurance at an affordable rate, and at the amount that would actually benefit my family.  And not be turned down because I was High Risk.

So please, don’t view Life Insurance as morbid conversation at a young age.  Realize that you have no idea what life has in store for you.  Hopefully you will survive all that is thrown at you and come out with such a great reward as I did,
my Life and my Daughter (my Angel).  But for whatever the outcome may be:  BE PREPARED!!!!!!

 Thank you for listening to my story, God Bless you in your new life, and may you have nothing but happiness and health, and a piece of paper in your filing cabinet to take care of all you acquire and create!

Rachel

Take time now to review your life insurance needs.  Give us a call today at 215-885-2200 or visit our website for more information.  Prepare now so yur family will be protected when you die.  Please share with us any of your stories.  Put your story in the comment section so others may benefit from your experiences.

 

Rachel’s Story

A while ago Rachel told me her story.  I asked if she would please write down her story so I could share it.  Take a minute to read her story. . .

Rachel’s Story

I was 28 years old and got married in September of 1999.  While on our honeymoon in St. Thomas my wisdom teeth became abscessed and I had just switched jobs so I was in between health insurance. You know I was 28, who cares about the 3 month waiting period.  I didn’t need COBRA.  So I bought some time with over the counter aids and then in October I woke up and my neck felt stiff, so I rubbed it and found a lump on the right side just below the ear.  I went to my family doctor who said that it was a swollen lymph node to fight the inflamed wisdom teeth, but he sent me for a CAT scan just to be safe.

The CAT scan came back negative and as soon as January hit I had my teeth pulled and my doctor said it would take about 30 days for the lymph node to go back to
normal.  After 30 days it was still swollen.  My doctor sent me to an Ears, nose and throat specialist who treated me for two months on antibiotics and when it had still not gone away and another lump showed up on the left side, he decided it was time to remove the “dead lymph node.”

So into surgery I went.  The next day the doctor called and told me I had Stage 3 cancer. Long and short, I survived, but in the mean time my husband and I had
bought a house and then after I got better decided to start a family.  After 3 years we decided to adopt and that is when I found out at the age of 33 that I was going to have difficulty getting life insurance because of my past medical condition.

I filled out the paper work and told the truth when the questions about cancer came up and thank God the paper work I presented when we applied was all that
was needed to proceed with the adoption because my daughter was born the next month.  About a month after she was born was denied life insurance after the company had received my medical history from my primary doctor.  Thankfully for us, all the papers were filed with the courts so it did not affect our adoption my daughter, Faith.

I tell you this story as detailed as I felt necessary because you can see that the time in between getting married and the time of my diagnoses, I could have applied and gotten life insurance.  Then I would have had the life insurance I needed for an actual event, other than death, the adoption of my daughter.  The adoption required that I have life insurance to be a Mother.  I too was young and invincible, but now I am a 38 year old cancer survivor, waiting out the time limit of 10 years so I can get life insurance at an affordable rate, and at the amount that would actually benefit my family and not be turned down because I was High Risk.

So please, don’t view Life Insurance as morbid conversation at a young age.  Realize that you have no idea what life has in store for you.  Hopefully you will
survive all that is thrown at you and come out with such a great reward as I did, my Life and my Daughter (my Angel).  But for whatever the outcome may be:  BE PREPARED!!!!!!

Thank you for listening to my story, God Bless you in your new life, and may you have nothing but happiness and health, and a piece of paper in your filing cabinet
to take care of all you acquire and create!

Rachel

Thank you Rachel for sharing this very personal story.

Please don’t procrastinate, buy life insurance today.  At a young and healthy age life insurance in very inexpensive, however it will mean a great deal to your family if you die.  Imagine how tough it would be for your family to make ends meet if they lost your income.  To get a no obligation quote call our office at 215-885-2200 or Click here and I will call you for a life insurance review and also send our free report “How to Protect Yourself and your family if you die.”  Don’t delay, take care if this today!

P. S.  Please feel free to share your story with us.  Add your comments below.

 

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