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Rachel’s Story

life-single-mom

 

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 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 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, 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!

Thank you Rachel for sharing your story with me.  For more information about Life insurance go to our website!  Call us at 215-885-2200 for a review of your life insurance needs.  Don’t wait until it is too late and you do not qualify for life insurance or cannot get life insurance.  Spread the word to your friends.

I invite you to tell me your story!  Share it here, thank you.

Don’t forget to protect your family while you enjoy your summer activities!

life-family

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 should go out and enjoy yourself.

Some of these activities have special risks associated with them.  Make sure you protect your families so you can enjoy these activities.  These activities present a higher risk when purchasing life and disability insurance.  Let us help you make sure you are properly protected with life and disability insurance.

You should be thinking about reviewing your life insurance when you have a life changing event such as buying a home, getting married, having a baby, separating, downsizing, and retiring.  Our website has a section that gives you some tips on what you need to do when you have these life changing events.  Check it out!

Unfortunately, many of us wait until it is too late to purchase life and disability insurance.  A friend, Rachel was kind enough to share her story with us.  Check out Rachel’s Story.

Call us today at 215-885-2200 to review your life and disability insurance.  It could be critical to your family’s financial future.

 

Have you put off buying life insurance? Check out Rachel’s Story.

 

life-family

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 a networking group and she shared her story while we were discussing our businesses.  I asked her if she would put it in writing for me so I could share it.  I could never tell the story as well as her.  She shares the story so you won’t make the same mistake.

Please pass this story to someone you love who needs to purchase life insurance. With term life insurance rates being so low there is no excuse to not own life insurance.  Contact us now before you can’t buy it.  Remember, insurance is something you need to have before something happens!  Thank you Rachel for sharing your story.

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 n 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 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, 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

 

For more informaiton go to our website or call us at 215-885-2200.

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.

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.

 

When was the last time you reviewed your life insurance?

Sadly, many times the response I receive to this question is never.  Most people think or inquire about life insurance when they get married, have a baby or get a mortgage, but few people ever review their life insurance to make sure it is still the proper protection.

My daughter Patty and her husband Josh purchased life insurance after they bought their first home about two years ago.  This May, Patty and Josh will make Tammy and I grandparents for the first time.  We are very excited!  Of course, being her father and an insurance agent, I wanted to make sure they had the proper protection so I suggested we do a review of their life insurance (Okay, maybe it was more than a suggestion).  They need to think about the cost of child care, education, and other expenses related to raising a child.

So I ask. . . When was the last time you reviewed your life insurance?

Here are reasons you need to review your life insurance:

  • You refinanced your mortgage, possibly for another 30 years
  •  You had a second or third child
  • You are recently divorced
  • You have children from two marriages
  • You have a special needs child
  • You purchased or started a business
  • You have a Key Person in your business whose death would financially impact your business
  • You will need to buy out a partner if he or she dies
  • You have downsized and don’t need as much term life insurance but still need some coverage
  • Your health has improved
  • You no longer smoke or use tobacco products

These are just a few reasons to review your life insurance.  For our Special Report on Life Insurance, go to our website at www.spencerinsurance.com and click on the resources tab. Give us a call today at 215-885-2200 for a life insurance review.  At Spencer Insurance “Your Protection and Peace of Mind is our only Business.”

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