We all feel invincible at some point in our lives or at least I know I have; but as I grow older and the reality sets in that there is nothing further from the truth than this thought. I have reached a point in my life where I have lost family members and friends that were just to young to have been lost but yet they are gone except for the very pleasant memories I carry with me in my heart. When I say that they were too young to be lost I mean that they did not die in some life taking accident but they were lost to senseless illnesses that should not even be aloud to exist in the age we live in.
When I was a teenager and “invincible” most of my friends all thought the same way to some degree we were truly bullet proof and we were going to stay that way forever. Getting old and having aches and pains when you get out of bed was just something our parents wined about, but there was no way that it would happen to us; we were all to tough for that! Like I said I have lost a lot of good people in my life since then and the aches and pain that our parents wined about can just about bring me to tears at times. I am only months away from my 39th birthday and already feel like an old man at times. Some of my friends and I are starting to spend a lot of time talking about when we were young and the fun we had.
Now, we are the older people we would never be and I have learned to give God thanks for letting us live long enough to feel that way. The reality of this came a couple of weeks ago when we were on vacation visiting my in-laws in Georgia and my sister called me. Her husband, my brother-in-law, is a distant relation to one of my old friends and she was calling to let me know that he had been taken into the hospital because he was having TIA (mini-strokes) at the age of 38. Thank God he has been released and is back to work now with no lingering signs from the episode.
The point I am trying to make is that you really should not wait to purchase your life insurance because you can never tell when it will be too late!
Tuesday, August 26, 2008
Tuesday, August 5, 2008
Can your family live without you?
I know when I ask myself this very same question and try to reply honestly to it; my answer is a somber yes they can. I am sure that there lives will change forever after I have passed away though and I want to do my best to make sure that the change is for the better. When I think of the one thing that I have always dreamed of and still do it, is to help make my family financially secure. When I say this I do not just mean if I am here with them to enjoy it. God forbid I am no longer here but I do want to leave them in a better financial place. Memories are a great thing to look back on but they will not pay bills!
This is the exact reason I have made the decision to purchase a term life insurance policy for myself. I can now go to sleep every night knowing that if I do not wake up my family’s future will not be one of financial disaster because of the absence of my income.
Lucky for me my wife is a very fiscally responsible person so when that day comes she will do all the right things with the money to protect her and my son’s future. If by chance you are not sure if your spouse is fiscally responsible enough to deal with receiving a death benefit but you do want to do your part to protect your family, there are ways to make sure the money is used the way you want it to be used. The truth of the matter is if you care about someone enough to be reading this article for information than you have to get the process started. Death is never an easy thing to prepare for but it will be a lot easier on your loved ones if you do.
This is the exact reason I have made the decision to purchase a term life insurance policy for myself. I can now go to sleep every night knowing that if I do not wake up my family’s future will not be one of financial disaster because of the absence of my income.
Lucky for me my wife is a very fiscally responsible person so when that day comes she will do all the right things with the money to protect her and my son’s future. If by chance you are not sure if your spouse is fiscally responsible enough to deal with receiving a death benefit but you do want to do your part to protect your family, there are ways to make sure the money is used the way you want it to be used. The truth of the matter is if you care about someone enough to be reading this article for information than you have to get the process started. Death is never an easy thing to prepare for but it will be a lot easier on your loved ones if you do.
Thursday, July 24, 2008
Why do people procrastinate?
There are so very few things in life we know we can count on, maybe this is how we get into the rut of putting things off until tomorrow or until it is to late all together!
I can understand when you think that you will have more money next month so you will hold off on that new purchase until then, but you’re wrong! You most likely will not have any more free cash next month than you do right now so your decision has to be made as a priority not a “when I can afford it” I guarantee that you will never let yourself afford it! Until it is to late then you will be mad at yourself for not taking your responsibility as serious as you should have to help your loved ones deal with your loss!
You see of all the things in life that we are not sure of I promise you no one will live forever, and that does include you. I know that deep down everyone knows they will not live forever but not enough people try to take care of there loved ones while they can. I see and talk to people on a weekly basis that want to purchase a life insurance policy, the reason some of them want it is because they have just been told that they are terminal. This means that they only have a certain number of days left here on this earth with their families. Now they realize that there spouse is not going to be able to provide for there kids the way that they had always intended to so they try to purchase their life insurance. The problem is it is too late! Life insurance companies are not going to give you a policy when they know that you are terminally ill, and you can not hide that information from them.
Your health can change at any time, if you are reading this please take the time to get your life insurance in place before it is to late!
About the Authors:
Allen Henderson & Kim Kosor; are Licensed Insurance Professionals and the owners of the website, Lifequotes4you.com
I can understand when you think that you will have more money next month so you will hold off on that new purchase until then, but you’re wrong! You most likely will not have any more free cash next month than you do right now so your decision has to be made as a priority not a “when I can afford it” I guarantee that you will never let yourself afford it! Until it is to late then you will be mad at yourself for not taking your responsibility as serious as you should have to help your loved ones deal with your loss!
You see of all the things in life that we are not sure of I promise you no one will live forever, and that does include you. I know that deep down everyone knows they will not live forever but not enough people try to take care of there loved ones while they can. I see and talk to people on a weekly basis that want to purchase a life insurance policy, the reason some of them want it is because they have just been told that they are terminal. This means that they only have a certain number of days left here on this earth with their families. Now they realize that there spouse is not going to be able to provide for there kids the way that they had always intended to so they try to purchase their life insurance. The problem is it is too late! Life insurance companies are not going to give you a policy when they know that you are terminally ill, and you can not hide that information from them.
Your health can change at any time, if you are reading this please take the time to get your life insurance in place before it is to late!
About the Authors:
Allen Henderson & Kim Kosor; are Licensed Insurance Professionals and the owners of the website, Lifequotes4you.com
Friday, July 18, 2008
What- term life insurance quote?
When you think of life insurance do you wonder witch product would be best for you? There really are a lot of different life insurance products and I know it can get confusing as to what they actually do for you. Well let’s see if we can try to explain some of the products and possible uses for them.
We have all heard of term life insurance and it is easy enough to explain so we will start there. Term life insurance is a life insurance policy that will cover you for a certain period of time and that period of time whatever length it is will be called the term. You can purchase term insurance for about any length of time up to 30 years so you can cover the cost of a lot of big investments. One of the most common reasons I see people purchasing a 30 year term life policy is to cover the cost of a new house that they just bought and neither spouse could really afford the payments by themselves. This same concept is a great way to cover the cost of a sports car or a boat or even just your normal every day vehicle. Say that you financed the loan for your car for 5 years and wanted to make sure your spouse could keep the car if anything happened to you all you would have to do is simply purchase a term life insurance policy that would cover you for 5 years. The nice thing about this is with the internet you can get a term life insurance quote right online and never even have to talk to an insurance agent to find out if it would be the affordable thing to do.
About the Authors:
Allen Henderson & Kim Kosor; are Licensed Insurance Professionals and the owners of the website,http://Lifequotes4you.com[url="http://www.Lifequote4you.com"]Term Life Insurance Quote [/url]
We have all heard of term life insurance and it is easy enough to explain so we will start there. Term life insurance is a life insurance policy that will cover you for a certain period of time and that period of time whatever length it is will be called the term. You can purchase term insurance for about any length of time up to 30 years so you can cover the cost of a lot of big investments. One of the most common reasons I see people purchasing a 30 year term life policy is to cover the cost of a new house that they just bought and neither spouse could really afford the payments by themselves. This same concept is a great way to cover the cost of a sports car or a boat or even just your normal every day vehicle. Say that you financed the loan for your car for 5 years and wanted to make sure your spouse could keep the car if anything happened to you all you would have to do is simply purchase a term life insurance policy that would cover you for 5 years. The nice thing about this is with the internet you can get a term life insurance quote right online and never even have to talk to an insurance agent to find out if it would be the affordable thing to do.
About the Authors:
Allen Henderson & Kim Kosor; are Licensed Insurance Professionals and the owners of the website,http://Lifequotes4you.com[url="http://www.Lifequote4you.com"]Term Life Insurance Quote [/url]
Wednesday, July 9, 2008
Can You Afford to Procrastinate?
My Fiancé and I had just started our insurance business and we were scraping to make ends meet, but because of our chosen profession we felt it was very important that we get our own term life insurance policies. We had no idea at the time how glad we would become that we made that decision and acted on it as fast as we did.
You see when we talk to potential customers we often hear “I/we can not afford it right now” and we do understand what a tight budget is but, can you really afford to keep putting off the decision to make the purchase of life insurance? If you have thought about life insurance enough to get a quote then there must be something or someone you are trying to protect by your on timely death. This is what you must keep in mind after you get your quote…What is more important to you, your kids or the 3 or 4 soda pops you drink every day? The price of insurance really is not that bad but people always want to make excuses for why they can not afford it at this time.
These are the very same people that will call us after something happens that makes them either “rated” such as diabetes or high blood pressure or a whole list of other things. If they are lucky, they will still be insurable. There are certain things that can make you completely “uninsurable” such as a heart attack or stroke or a whole list of other things including cancer.
When I started this story I had made mention of the fact that my fiancé and I were so very glad that even though we could not afford life insurance at the time; that we had purchased it anyway. You see when we started this business we knew we would have to go without health insurance and that was a risk we were willing to take because we were both very active and did not smoke. Well about a year after we had purchased our life insurance my fiancé had received the news that devastated both of us and our families. She was diagnosed with breast cancer. Now I am very happy to report that she handled everything fantastic and only has one more surgery to go before she will be done with them, but the point I wanted to make is that she has become “uninsurable” for a period of years and will most likely always be “rated” because of this event. You can never tell what tomorrow will bring to your doorstep so if you care enough about someone to get a life insurance quote…..please act on it!
About the Author:
Allen Henderson & Kim Kosor
Licensed Insurance agents that believe people should be treated with respect.
-----------------------------------------------------------------
To find the best Life Insurance Rates and Service
so you can relax knowing you made the right decision:
http://www.Lifequotes4you.com
You see when we talk to potential customers we often hear “I/we can not afford it right now” and we do understand what a tight budget is but, can you really afford to keep putting off the decision to make the purchase of life insurance? If you have thought about life insurance enough to get a quote then there must be something or someone you are trying to protect by your on timely death. This is what you must keep in mind after you get your quote…What is more important to you, your kids or the 3 or 4 soda pops you drink every day? The price of insurance really is not that bad but people always want to make excuses for why they can not afford it at this time.
These are the very same people that will call us after something happens that makes them either “rated” such as diabetes or high blood pressure or a whole list of other things. If they are lucky, they will still be insurable. There are certain things that can make you completely “uninsurable” such as a heart attack or stroke or a whole list of other things including cancer.
When I started this story I had made mention of the fact that my fiancé and I were so very glad that even though we could not afford life insurance at the time; that we had purchased it anyway. You see when we started this business we knew we would have to go without health insurance and that was a risk we were willing to take because we were both very active and did not smoke. Well about a year after we had purchased our life insurance my fiancé had received the news that devastated both of us and our families. She was diagnosed with breast cancer. Now I am very happy to report that she handled everything fantastic and only has one more surgery to go before she will be done with them, but the point I wanted to make is that she has become “uninsurable” for a period of years and will most likely always be “rated” because of this event. You can never tell what tomorrow will bring to your doorstep so if you care enough about someone to get a life insurance quote…..please act on it!
About the Author:
Allen Henderson & Kim Kosor
Licensed Insurance agents that believe people should be treated with respect.
-----------------------------------------------------------------
To find the best Life Insurance Rates and Service
so you can relax knowing you made the right decision:
http://www.Lifequotes4you.com
Tuesday, June 17, 2008
What is Your Sanity Worth?
Copyright © Allen Henderson
http://www.Lifequotes4you.com
Well, now that I have your attention…what is your sanity worth? Would you give up your sanity and piece of mind just to get a life insurance quote? Would you intentionally order something that would make your phone ring off the hook for days and possible weeks or even months? Do you want strange people calling your house all hours of the day constantly trying to get a hold of you so they can get your information, and in the meantime they are bothering every single person in your family? Now that they finally got a hold of you they will give you a cheap quote so you let them fill out the application. Then when your policy comes back twice as expensive as the quote they gave you, they will try pushing you into accepting this policy. If this is the way you like to be treated then you should stop reading right now.
Now, if you’re still reading then you must want to know how you can avoid the situation that was described above and we will be happy to tell you. The first thing that you should do is stay away from “lead company websites” these are the websites that say things like “just fill out a couple of questions and an agent will call you”. What this really should say is fill out a couple of questions and we will sell your information to as many different insurance agents as we can, and then they will all keep trying to call you until you tell them to stop. The reason the agents stay so persistent is because they paid a lot of money for your “lead” and they want to make a sale to cover their cost.
There are websites that will give you instant life insurance quotes for free. They will also ask you for your information and you want to be as honest as you can be. These questions are “underwriting” questions and the more accurately you answer them the more accurate your quote will be. Then you can decide whether or not you can afford the policy and if so then you can apply right there.
About the Author:
Allen Henderson & Kim Kosor
Licensed Insurance agents that believe people should be treated with respect.
-----------------------------------------------------------------
To find the best Life Insurance Rates and Service
so you can relax knowing you made the right decision:
http://www.Lifequotes4you.com
http://www.Lifequotes4you.com
Well, now that I have your attention…what is your sanity worth? Would you give up your sanity and piece of mind just to get a life insurance quote? Would you intentionally order something that would make your phone ring off the hook for days and possible weeks or even months? Do you want strange people calling your house all hours of the day constantly trying to get a hold of you so they can get your information, and in the meantime they are bothering every single person in your family? Now that they finally got a hold of you they will give you a cheap quote so you let them fill out the application. Then when your policy comes back twice as expensive as the quote they gave you, they will try pushing you into accepting this policy. If this is the way you like to be treated then you should stop reading right now.
Now, if you’re still reading then you must want to know how you can avoid the situation that was described above and we will be happy to tell you. The first thing that you should do is stay away from “lead company websites” these are the websites that say things like “just fill out a couple of questions and an agent will call you”. What this really should say is fill out a couple of questions and we will sell your information to as many different insurance agents as we can, and then they will all keep trying to call you until you tell them to stop. The reason the agents stay so persistent is because they paid a lot of money for your “lead” and they want to make a sale to cover their cost.
There are websites that will give you instant life insurance quotes for free. They will also ask you for your information and you want to be as honest as you can be. These questions are “underwriting” questions and the more accurately you answer them the more accurate your quote will be. Then you can decide whether or not you can afford the policy and if so then you can apply right there.
About the Author:
Allen Henderson & Kim Kosor
Licensed Insurance agents that believe people should be treated with respect.
-----------------------------------------------------------------
To find the best Life Insurance Rates and Service
so you can relax knowing you made the right decision:
http://www.Lifequotes4you.com
Saturday, April 12, 2008
The Obvious Reason
Copyright © Allen Henderson
http://www.Lifequotes4you.com
What are the reasons someone should purchase Life insurance? The obvious reason would be because you care for your families future. When you have the position of "bread winner" in your house you may feel that your spouse will not need life insurance coverage, because you make enough money to pay the bills as they are. What about the other bills that will be added to your expenses when your spouse has passed? No, not the one time expense of a burial and casket this will only run you about $10,000. I'm talking about the expense of paying for child care, house cleaning, and even who will cook for your kids while you are working to make sure the bills are payed, I'm sure you will not want them eating fast food every day so you must think of these things. Again, this is just the obvious reason there are many more too consider and I will discuss them in future postings.
About the Author:
Allen Henderson
--------------------------------------------------------
---------
To find the best Life Insurance Rates and Service
so you can start enjoying your life, visit:
http://www.Lifequotes4you.com
http://www.Lifequotes4you.com
What are the reasons someone should purchase Life insurance? The obvious reason would be because you care for your families future. When you have the position of "bread winner" in your house you may feel that your spouse will not need life insurance coverage, because you make enough money to pay the bills as they are. What about the other bills that will be added to your expenses when your spouse has passed? No, not the one time expense of a burial and casket this will only run you about $10,000. I'm talking about the expense of paying for child care, house cleaning, and even who will cook for your kids while you are working to make sure the bills are payed, I'm sure you will not want them eating fast food every day so you must think of these things. Again, this is just the obvious reason there are many more too consider and I will discuss them in future postings.
About the Author:
Allen Henderson
--------------------------------------------------------
---------
To find the best Life Insurance Rates and Service
so you can start enjoying your life, visit:
http://www.Lifequotes4you.com
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