Term Life Information!

Main use today

Why Term Life?

Lots of Coverage, Lower Monthly Payment

Protection if Future Health Issues

Good for Temporary Need

Affordable to Discard (as your situation changes)

Examples

What can Term Life do?

Give MUCH MORE life insurance for the same dollars!

Large lumps sum to your family if you are no longer around so they can bury you, not get kicked out of their home, not end up broke (hopefully)

Good for a short term need!

If you come down with health issues, can be converted to permanent life insurance

General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept

I am a licensed Insurance Agent in any state I do business in

I am not an attorney, I do not give legal advice but I know some if you need one

I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce

I am not a doctor, I do not give medical advice but I can help look up doctors in your network

I represent multiple carriers so I have more options for you

I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)

Most policies are not guaranteed issue aka you have to apply and answer some questions

Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 38 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options

Updated 10042024

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