We have years of insurance experience helping clients prepare for the unknown. Ask us about Life, Health, Annuities (Fixed/Indexed), Disability, and Long-Term Care.
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and make every effort to get you covered.
Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.
Jerran is committed to assisting clients achieve their goals of wealth accumulation, preservation and transfer. He recognizes the need for consumers to be educated about the benefits of life insurance, health, disability, annuities, and long term care.
He can share stories of families having to deplete their savings to provide care for an ill or aging family member, families setting up gofundme accounts and fundraisers. Also, stories of those who benefited from appropriate strategies by taking action.
With over 25 years of experience in financial services, Jerran is uniquely poised to assist his clients in protecting their assets, their families, and their future. Schedule your one-on-one exploratory session with Jerran today.
Please contact us if you cannot find an answer to your question.
A health insurance deductible is the amount of money that you must pay out of pocket for covered medical expenses before your insurance company starts to pay. After you meet your deductible, your insurance plan may cover a portion of your medical expenses until you reach your out-of-pocket maximum. Health care plans, deductibles, and out-of-pocket expenses can vary significantly, causing many people to not have the appropriate coverage. Contact us to help you construct the best health care plan to fit your needs and budget.
There are various factors that go into determining the level of coverage and premium payment amounts. Among the most common factors are age, health, income, & lifestyle. Higher risk means higher payments while lower risk equals lower payments. Because each person's situation is unique, we encourage clients to reach out so we can customize a plan for your specific needs.
That really depends on your personal goals and objectives. Some people may only need $10,000 while someone else may need $200,000. Whether the amount is $10,000, $100,000, or $1,000,000, it is a great idea to sit down with one of our licensed agents to help you determine your coverage needs.
Whole life covers you for your whole life while term covers you for a specific period of time. Whole life premiums tends to be higher, but it lasts your entire life and builds cash value.
Term life can give you higher coverage amounts for a lower premium, but expires at the end of the pre-determined term. In general, one is not necassarily better than the other. In fact many people will have a mixture of whole and term life. Reach out to us and together we can create the best coverage strategy that is ideal for you.
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This guide is a MUST READ for anyone looking into life insurance products. Packed with easy to read and useful information that everyone NEEDS TO KNOW before purchasing a policy.
We even included a "What you should ask BEFORE obtaining any life policy."