Secure Insurance Group https://secureinsurancegroup.com Insurance For Springfield Individuals, Families, and Businesses Wed, 12 Oct 2016 21:02:56 +0000 en-US hourly 1 What is Life Insurance and Why do I Need it? https://secureinsurancegroup.com/blog/what-is-life-insurance-and-why-do-i-need-it/ Thu, 14 Jul 2016 14:41:23 +0000 http://secureinsurancegroup.com/?p=532 Read More]]> What happens to your family once you are gone? That’s a very tough question for people to answer because nobody likes to talk about losing a loved one. Life insurance is a very simple answer to that question. Life insurance is for your family, life insurance is for your loved ones, because even if you are not physically there to support them, your life insurance policy will help your family overcome the financial burden of losing a loved one.
We know the emotional toll of a death in the family can never go away, but when you’re not adequately covered, you also stack the financial burden on top of the emotional burden. For about the cost of a cup of coffee per day, you can ensure that your family and loved ones are financially protected in case you were not there to provide for them one day. You have insurance on your cell phone, why not insure the future of your family?
Life insurance can replace your income if you pass before your dependents. You may want to make sure that your family can maintain the lifestyle they’ve become accustomed to. You may want to send your kids to college. With life insurance, you can do all of these things and more.
But life insurance is not only for the loss of a loved one, life insurance can also be a sound financial decision. An indexed life insurance policy can help supplement your retirement income, help pay for your children’s college education, or can also be available in the event of an emergency.
If you would like to learn more about life insurance, or would like a free rate quote, please contact Secure Insurance Group at, 417-883-9300. You can also visit our website at www.SecureInsuranceGroup.com to learn about the full suite of services offered at Secure.

]]>
Keeping Up With Your Policies https://secureinsurancegroup.com/blog/keeping-up-with-your-policies/ Fri, 05 Feb 2016 23:09:58 +0000 http://demo1.jonesen.com/?p=25 Read More]]> This is Brian Askins with Secure Insurance Group, I have been in the insurance and financial industry since April 1990. I have always been very passionate about what I do, fortunately I found the career I love very early in my life.

The goal of this blog is to help you understand the multiple types of insurance products available to help you build a sound protection and financial plan for you and your family. We will give you up-to-date information on the products available and how these products could help you SECURE your future. Insurance products are ever changing, therefore this blog will keep you up to date to help you insure you have the right products in your portfolio.

This blog will go many different directions, but let’s first discuss, making sure you have all of your active policies in a safe place, your beneficiary designations are correct, and your beneficiaries aware of the coverage’s you have and the carriers you have the coverage’s with.

Let’s first discuss keeping your active polices in a safe place. If you can not locate your policy, call the company you have the coverage with and ask for a duplicate. While your making a request for a duplicate policy, have them also send you a change of beneficiary form, just in case you need to make changes to your beneficiary designations.

Also, another very important part of Insurance is to make sure your beneficiary designations are exactly what you want so the money is paid out exactly how you want and to whom you want it paid to. If you are in doubt about your beneficiary designations, pull out your policy and review your beneficiary designations. Another important part of your beneficiary designations is to make sure you have a contingent beneficiary, unless you have your Trust as your primary beneficiary. I can not stress how important having up-to-date beneficiary designations is to prevent issues after death.

Additionally, you’ll want to make sure your beneficiaries are aware of the coverage’s you have and the carriers you have the coverage’s with. This is very important, because thousands of policies go unclaimed every year. I would recommend you having a conversation with an Estate Planning Attorney to discuss what policies would benefit from being in your Trust. If you need an Estate Planning Attorney, I have a very good one that I personally used to set up my Trust and have recommended to many of my clients. We will discuss Trust in a future blog.

Lastly, if you think there is a chance of a loved one that has passed had insurance with a carrier, contact that carrier and inquire. It will only take a few minutes to find out, but the most important part of this is, if your loved one did have coverage, the benefits from that coverage could be paid out as the loved one had desired.

Our next blog will discuss why you need to have a policy review done at least every couple of years. Some future topics on the blog will be, why a Trust might be a good idea for you and your family, what amount of Life Insurance you need, and what products you might need in your protection and financial portfolio.

If you need to help or advice on any of the above, please do not hesitate to contact me.

Brian E Askins LUTCF, CLF, CSA, CLTC
Managing General Agent
Secure Insurance Group, LLC
3506 S Culpepper Circle, Suite A
Springfield, MO 65804
Toll-free 877-871-7328
Office 417-883-9300
Mobile 417-343-0693
Fax 417-883-9311
https://SecureInsuranceGroup.com/
http://SecureInsuranceGroup.BuyMedigap.net/

Helping Individuals, Families, and Business Owners SECURE their future and the future of their loved ones.

]]>
Whole Life Insurance https://secureinsurancegroup.com/blog/whole-life-insurance/ Thu, 04 Feb 2016 17:12:33 +0000 http://demo1.jonesen.com/?p=32 Read More]]> Whole life insurance is a contract designed to provide protection over the your entire lifetime.

There are many types of whole life policies, but probably the most common is ordinary level premium whole life insurance, or simply ordinary life (or “straight life,” “traditional whole whole,” or” continuous premium whole life”).

This type of contract features level or fixed premiums as long as you can retain the policy for the rest of your life. The death benefit remains level throughout the lifetime of the contract. Insurers invented the level premium concept to make the whole life contract affordable for as long as you decide to keep it.

Not sure if this is the right type of policy? Give us a call now to speak to one of our representatives and find the best solution for you!

]]>