STAY INSURED!

If you are planning on keeping your coverage, then refinancing your Universal or Whole Life insurance policy could be one of the smartest and easiest investment decisions you’ll ever make.  What you are doing is simply applying the net cash surrender value that’s in your existing policy to a newer policy from a reputable carrier with a lower cost of insurance.  These two elements can combine to permanently reduce your premium (and in some cases even eliminate it all together!), while still providing coverage for the rest of your life.  The service is free and it doesn’t matter how large or small the policy is or whether or not it’s owned by a trust.  The only catch is that you have to be healthy enough to qualify.

PEOPLE ARE LIVING LONGER

The cost of owning life insurance is at an all-time low because medical advances have pushed life expectancy tables to new heights.  That means that the cost of insurance for a 60 year old male today, for example, is far less than it was in past years.  Bottom line: If you are healthy today and purchased your policy before 2009, there’s a 65% chance that you are overpaying.

NOTHING TO LOSE

One great feature of the life insurance industry is that you are not obligated to pay any premium or buy ANYTHING even after you have submitted an application and received a medical offer from the insurance company.  If you don’t like the pricing they offer based on your health assessment, you can just walk away from the table.

BUT WHATEVER YOU DO...

Don’t even THINK about replacing your policy without talking to us first.  State insurance laws are strict when it comes to refinancing and we will not recommend a new policy unless it actually improves your coverage.  We are consumer advocates and will review and service your policy for free.  To get started, order your Free Snapshot or call us at (562) 212-4923.