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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. . .

Are you ready for Valentine’s Day?

As your preferred insurance agency, we take your protection very seriously. If we could we would shield you from all bad things that might happen to you and your family.  But since we are only mortals, we have to limit ourselves to just warning you about issues that could affect your happiness and safety.

That’s why I’m writing you today.  I just looked at the calendar and saw that Valentine’s Day is on the horizon.  Like birthdays, anniversaries and Christmas these are opportunities to show your loved one just how much they mean to you. But for those who unintentionally miss these major opportunities to express their  love and devotion, they can be dangerous times of the year.

We know you’re busy and that this day might slip up on you without adequate time to prepare, so be warned:

Valentine’s Day is coming soon! 

Plan now to make it the best Valentine’s Day ever for you and your loved one!

And if you buy or receive anything that needs insuring, call 215-885-2200. Don’t forget that ultimate Gift of Love – Life Insurance.  What better way is there to show your family that you love them.  (Warning: You better buy some chocolate too!)

Happy Valentines Day from your friends at Spencer Insurance Agency, Inc.

Ground Hog Day Predictions

groundhogOn Saturday, February 2, 2013 we will officially learn whether spring is near or to expect six more weeks of bad weather.
Come what may, as your preferred insurance agency we will be here to offer our protection.

Bad weather is one of the main reasons you need insurance since it can wreak havoc on everything you own.  Take the time now to make sure you are adequately covered for floods, hurricanes, earthquakes or tornadoes.

Bad weather is not the only thing that can wreak havoc on your family. The death or disability of one of the income producers of the family can devastate your family’s finances. The death of a parent can be emotionally draining for the family.  Don’t let the death of a parent be financially draining too.

Give us a call today at 215-885-2200 so we can review your protection and make any needed adjustments.

Your friends at Spencer Insurance Agency, Inc.

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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