mepic05

Thanks for visiting! This site is intended to help guide you to what type of life insurance might be a good fit for you and to offer my services as an Insurance Producer in Tennessee. I can help you with whatever type of life insurance you need as I represent multiple companies with competitive rates. If you currently have coverage allow me to review what you have to make sure you have adequate coverage. I hope to add information to this website as time goes on. Please visit the Contact page for a quote form you can fill out.

I can even help those who may have had some health issues so don’t be afraid to contact me to get covered. You may not even need a medical exam for some products. You need to have some type of coverage to a least help cover funeral expenses but ideally you would want to leave your family in well enough financial shape to continue without you particularly if you are the main income stream. Social Security only pays $255 toward a funeral if you qualify and the Veterans Administration $700 if you qualify.

Two basic types of life insurance? There are basically two types of life insurance. You have temporary coverage (Term) and you have permanent coverage (Whole, Universal, Most Final Expense). Term is less expensive starting out but for the long term permanent coverage can be as cost effective plus you will accumulate a cash value.

How much do you need? Only what you can afford. Never purchase more than you can afford. Funerals, flowers, monuments and cemetery costs can run near $7,000 even $15,000 and with inflation the price will increase over time. Anything however is better than nothing.

When do you need it? No time better than now. The older you get the more chances of health problems that may make insurance more expensive or even unattainable so act now. It’s one of the only guarantees…death.

What Kind? That’s kind of what this site is for is to help you choose. Personally I favor any type of whole life whether it be traditional whole life or simplified issue final expense. If it is possible you can get a combination of term life and whole life. The term life would be to insure your income or mortgage during working years and the whole life as permanent insurance to cover funeral and final expenses. I personally got burned from a Universal Life Policy I bought when I was younger and didn’t know much about life insurance. I guess that’s why I’m a little biased when it comes to Universal Life as compared to the rest. Read through the material and see what you think.

From who? Me of course. I represent several good companies to better serve you.

Free final wishes record. Just ask. It’s a handy tool to leave your instructions of what to do and who to contact after death.