Are You Ready to Buy?
When preparing to purchase life insurance, the biggest hurdle is sometimes preparing to talk about dying, which is ultimately at the center of this important decision. Because people are often reluctant to discuss this uncomfortable topic, it causes a lot of misinformation and fear-mongering to surround the industry. At Skeele Insurance Agency, we pride ourselves on giving you clear and accurate service at all times, so today we’re here to ensure that these key insurance facts are transmitted to you.
- No Strings Attached: If you’ve ever heard of an offer that sounds too good to be true, it usually is- and life insurance is no exception. Some ads will promise coverage to anyone, regardless of physical health—but these cover very little by way of expenses, especially for the first two years after the plan begins. They also provide minimal estate planning, preferring rather to cover just the very basics of burial, rather than any other vital end-of-life processes.
- Physical Exam Importance: Though it may not seem like it at first, the medical exam is an absolutely crucial part of setting your life insurance rates. Be honest with your physician and insurer during this process. Any misrepresentation can put your policy in jeopardy and end up costing you far more in the long run.
- Shopping Around: It can sometimes work in your advantage to seek out the rates of multiple insurance agencies, but sticking to one dedicated agent or broker can help you streamline the process. Rather than needing to juggle through the details of many competing offers, keeping your policies under one roof can make the process both easier and more cost-effective for your time.
- Negotiation Actually Works: Unscrupulous insurance agents will often present the package they are offering as if it is set and fixed, but this is not always the case. Fully research your policy and be careful not to take their initial offer before knowing you have exhausted all your options. Life insurance isn’t cheap, but it should work for you long term without any flashy gimmicks.
At Skeele Agency, Inc., we provide you with friendly and professional service for a great low price. For more information about our plans and services, contact us today at any of our several offices. Thank you for choosing Skeele!