Why are most people overinsured or underinsured?
One of the reasons is because some of the people selling insurance or advising about life insurance are working their business plan more than listening to or understanding their client. They are trying to make ONE SIZE FITS ALL. This is unethical advise. Beware of anyone who sells a product by telling you everything else is bad and only this one thing is good.
Picture this: you like your tennis shoes, but if you're on a construction site running a jack hammer - would you wear those shoes? Of course not!
Even with something as basic as the type of shoe you wear, there is no one size fits all approach.
But can you imagine, if people were writing articles, doing radio shows or advising customers on which shoe to buy and they told everyone they only ever need tennis shoes - you'd think that's crazy!
Or if you live in Florida and your buddy in Minnesota tells you to buy some snow boots, you (hopefully!) would realize that your friend has different needs than you. Yet this is one of the reasons so many people are confused about life insurance.
At age 25 a person's life insurance needs are different than they will be later on in life. Life insurance has changed over the years. We have studied these changes so we can make appropriate recommendations to our clients. As brokers we can give you a head start in choosing coverage you can afford, if you live or die.
We'll help you find the right fit!
Our business plan is to know you so well that we give our advise and recommendations customized especially for you. We respect you enough to trust that when you are told the truth about life insurance or anything else with full disclosure, you will know what is best for your family.