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 »
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 »
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 »
Life insurance is part of a responsible financial plan. And while you should feel secure knowing it will be there to meet your financial responsibilities and protect your family, there are a handful of situations where you may need life insurance more than you thought. As your insurance agent, it’s important to us that you
Critical Times in Life That You Need Life Insurance the Most Read More »
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 »
Thinking about your death isn’t the most enjoyable part of your life. However, ensuring your family’s future is protected when you’re gone is very important! Life insurance can help your family pay for funeral expenses, pay off any debt you left behind, and much more. So why do people avoid buying life insurance before it’s
Life Insurance Myths and Facts Read More »
I didn’t know you sold life insurance. Those are words I hate to hear. Okay, now you know! Spencer Insurance sells life, disability and long term care insurance too. My specialty at the agency is in these coverages. I started my insurance career with John Hancock in the late 80s before joining my Dad’s agency.
The words I hate to hear. . . Read More »
Life insurance can be purchased online. Is that a good idea? What happens when your 20 year term rate guarantee is up and you still need coverage? What happens if you become disabled and can’t afford the life insurance premium? How do you change beneficiaries? Did you know naming minor children as contingent beneficiaries is
The Devil is in the details Part 2 Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
