Planning for the future is an essential part of financial security, and life insurance plays a crucial role in estate planning. Many people focus on accumulating wealth but often overlook how that wealth will be distributed when they pass away. Proper estate planning ensures that your assets are protected, your loved ones are financially secure, […]
Life Insurance and Estate Planning: How to Secure Your Legacy Read More »
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 »
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 »
Life insurance is a simple concept to understand. You pay the premium; your loved ones get the benefit when you die. Like all types of insurance, life insurance premiums are calculated based on the risk that you will die prematurely. This is why young people pay less than someone in their 30s or 40s. The
Factors That Impact Life Insurance Read More »
Q: Should I purchase the supplemental Life Insurance offered by my employer? A: Many employers offer Group Life Insurance coverage. Some of this coverage is provided free as an employee benefit. Many times you can purchase supplemental coverage and the cost will be deducted from your paycheck. Should I buy this additional coverage? There are
Open Enrollment is coming soon. What you need to know . . . 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
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 »
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 »
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
The 7 Wonders of Life Insurance Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
