Archive for the ‘Life Insurance’ Category

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Why Should I Look Into Long Term Care Coverage Now?

Monday, April 2nd, 2012


Today's technological improvements and ever increasing knowledge of health and medicine have led to people continuing to live longer. Changing our need for coverage. Over the past 170 years, in countries with the highest life expectancies, the average life span has grown at a rate of 2.5 years per decade, or about 6 hours per day. Amazing to think about. Long term care is a growing need as people continue to live longer, and are finding themselves in assisted living homes.

What does this mean for my insurance needs?

The Need For Long Term Care

Long term care coverage pays a monthly benefit to the policy holder if they find themselves in an assisted living facility. With people continuing to live longer, this is growingly more common. Assisted Living Homes cost on average about half the cost of a nursing home, and with long term care coverage, the monthly payment can be of great aid.

Long Term Care Coverage Is Separate From Life and Health Insurance

Life insurance pays for after death expenses and provides assistance to beneficiaries. Health insurance pays for the doctor visits when you are sick. Long term care is a totally separate coverage that pays when you are in an assisted care facility.

When and Who Should Consider Long Term Care

Our advice would be to be most prepared and consider looking for the needed coverage before prices exponentially climb. In your mid-40's and mid-50's long term care is most affordable. The price of long term care drastically increases in a person's 60's and 70's and one can pay nearly double and triple the cost of what they would've paid! We want to encourage you to look into long term care coverage and buy when your younger to get drastically less expensive prices.

A frequent misconception about long term care coverage is it is only for those approaching old age. Not true! Long term care is for those who need assisted living, which covers those who have any disability that requires the needed facility care.

In Conclusion

Our Georgia insurance agency encourages you to recognize the growing need for long term care coverage since our life expectancy constantly is on the rise. It is in your best interest to buy long term care early to find the least expensive rates, the best rates are likely when an adult is in their mid-40's prior to further health complications. Long term care pays a monthly benefit if you find the need to live in an assisted living facility. Our independent insurance agency can offer you insurance coverage from numerous insurance carriers and personal service. We give the best quality coverage based on cost and care for you. We write our long term care often through Genworth and Banner but can find the best fit your insurance needs. Get a free insurance quote or let us get to know you and help you understand long term care and when you should add the coverage.

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When Do I Need Life Insurance Advice?

Friday, March 23rd, 2012


You may expect the leading question to a life insurance conversation to be "How old are you?" Age is a factor but not the best indication of your need for life insurance. Life insurance is something that is more circumstantial than about a magic age that reveals the appropriate amount of need.

Good Life Insurance Advice Is Based On Circumstances Over Age

The time you need to consider calling an independent insurance agent is when you experience a change in family status. With professional advice you will be doing what is necessary to protect your family and loved ones.

What Defines A Family Status Change?

  • Birth of a child
  • Marriage of a couple
  • Purchase of a home
  • Acquire an amount of debt

In summary a change in family status is a circumstance in which your spouse or loved ones will be dependent on your income to offset the loss of income. Life insurance helps cover the expenses and allow your loved one's to continue living in the best circumstances following an unfortunate tragedy.

Don't fear another birthday thinking, "I need to get life insurance." Although, that may be true, what should trigger your memory isn't a changing age, but the changing blessings. When you see your family, your home, or the lifestyle your family has come to know, that is what should encourage you to get the best life insurance coverage.

Life Without Life Insurance

For now there is no difference in life with or without life insurance. Actually, the only difference in life with and with out life insurance is one has an additional cost. The difference comes after your death and immediately effects your family's and loved one's lives. Life insurance doesn't give you some reason to live more dangerously, or without caution. Often, if you are considering good life insurance you have others in your life you want to take care of.

Picture this, you're in a single income family, and the provider unexpectedly loses their life and didn't have life insurance coverage. The non-working spouse is left to meet the payments on the home, pay off the debt, pay additional expenses (funeral costs, daycare, etc.) and likely enter the workforce.

We hope you see it is very important for the future wellbeing of your family that you have good life insurance coverage.

In Summary

You may not need life insurance. It isn't an age thing; it is a circumstantial decision. The investment of life insurance protects the loved one's in your life. It's our job to show you your insurance needs. We believe the best insurance agency is built on relationship.

Please, it would be our pleasure to help you better understand your life insurance needs and answer your questions.

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Does Having Diabetes Limit My Life Insurance Choices?

Tuesday, November 29th, 2011

Life Insurance ChoicesAt Southern States Insurance, diabetics are offered the same choices for life insurance as everyone else. The only difference is that we know which products and companies work best for each person with diabetes, so are generally able to find you a lower diabetes life insurance quote than our competitors. Whether you are type 1 or type 2 diabetic; whether you want $25,000 or $5,000,000 in diabetic life insurance; we are here to help you get the most affordable quote on a solid and safe diabetes life insurance policy.

Our agents have been in the insurance industry for over 25 years and have a wealth of knowledge to provide you in order to make the best desision for your future. Let Southern States Insurance relieve this burdon so you can rest assured that your loved ones are properly provided for with a secure life insurance.

Don Profile Pic**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.



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3 Ways To Reduce Your Diabetic Life Insurance Cost

Tuesday, November 29th, 2011

Managing diabetes can be frustrating, challenging, and sure enough rewarding. Diabetes impacts every aspect of life and takes a substantial about of work and diligence. Life with diabetes changes everything from food preparation, eating, family planning, friendships, workplace relationships, & your life insurance coverage.


Whether you are newly diagnosed or shopping your insurance to find the best price we can help you give you life insurance advice and help you understand your needs.

Tips To Manage Life Insurance Costs With Diabetes

It's always a good idea to maintain a healthy lifestyle and it will also be of benefit when you are buying diabetic life insurance. Your best strategy is to show a history of effective treatment. This includes:

  1. Yearly Eye Exams
  2. Weight Management
  3. Normal Blood Pressure Ranges

Managing your health is the best way to keep your life insurance health in check. We realize these are not quick fixes and a lifestyle change, but if you work to take care of yourself saving on insurance will be just a bonus to your healthier lifestyle.

How Southern States Insurance Will Help Lower Your Life Insurance Cost

We will work to find every diabetic the life insurance they need at a price they can afford. If you are keeping your diabetes in check with a proper diet, and watching your weight, you might be surprised at the insurance quote our independent insurance agency provides. The quote is the start of our relationship and we will work to give you advice for you to continue saving money on your insurance policies. We work with numerous insurance carriers to provide you with the insurance you need at the cheapest cost.

How can I find out more? Speak with an insurance agent who can give you the insurance guidance you need and walk you through the best insurance coverage options for your conditions. As you are likely aware of, the medical costs can be extremely expensive with diabetes, having good health insurance is something you should consider.

Don Profile Pic**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.



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What Should I Look For When Shopping For Diabetic Life Insurance?

Tuesday, November 29th, 2011

Managing DiabetesThere is no single answer for everyone. Diabetic life insurance coverage and pricing depend on a variety of factors such as your age, gender, current health condition, family medical history and how you keep your diabetes in check. While there is no set way to find insurance, you can better your chances by controlling your diabetes through a healthy lifestyle.

The first thing you must consider is how you control your diabetes. If you lead a generally healthy and active lifestyle, good management of your blood glucose levels, have a lower hemoglobin A1C level and do not have any serious complications resulting from diabetes such as heart disease, retinopathy or neuropathy, chances are your premiums will be more affordable. Typical rating classes (from least to most expensive) include preferred plus, preferred, standard and nonstandard.

Insurance companies will give you the best rates if your A1C level is below 6 and standard rates if your level is between 6 and 7. When your level starts climbing into the double digits is when it becomes apparent that you have poor control over your diabetes.

Don Profile Pic**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.



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Does My Type Of Diabetes Matter When Searching For Affordable Life Insurance?

Tuesday, November 29th, 2011

Diabetic Life Insurance

Whether you are a Type 1 or Type 2 Diabetic, there are life insurance companies that may provide good rates.

Some life insurance companies provide better rates for younger diabetics and others specialize in providing good rates for older diabetics. Companies even provide different rates based on whether you take oral medications, or if you’re insulin dependent.

If you have diabetes complications like neuropathy, blindness, or kidney disease, you’ll definitely want a specialist like Southern States Insurance Services to help you find a company that will insure you.

While diabetes is becoming more common, the good news is that treatments are improving. Therefore, life insurance companies are now able to offer affordable diabetic life insurance policies to people with diabetes who previously had little hope of finding life insurance coverage. Southern States Insurance understands which companies offer the lowest rates for each type of diabetes. We provide you with the best options to choose what is best for you.

Don Profile Pic**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.



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Can I Buy Life Insurance If I Am A Diabetic?

Monday, November 28th, 2011

Life Insurance For Diabetics

Can you buy life insurance if you have Type 1 or Type 2 diabetes? Absolutely! If you’re a diabetic, there are three important pieces of information to have ready in order to find the best diabetic life insurance quotes and rates:

  1. Your current height and weight.
  2. Recent hemoglobin A1C test results and averages.
  3. Your age. You’ll get better rates the older you were when you were diagnosed with diabetes

Control of your diabetes is the key to good life insurance rates


The key to buying affordable life insurance if you have diabetes is how well you have it under control. If you visit your doctor regularly, take your medications and are responding well to your treatments, we’ll have an easier time finding a company (or companies) that will offer you coverage.

Insurers will look at your blood-sugar levels and your hemoglobin A1C counts to help them decide how well you’re responding to your treatment. A1C levels are considered normal for non-diabetics when they are under 6. If you have diabetes and your A1C levels are between 6 and 7, it generally means you have good control of your diabetes. Under these conditions, you may be find policies with “standard” rates.

If A1C levels are between 10 and 12, you will likely be offered a more expensive policy. If an insurer finds that the person applying for a life insurance policy has A1C levels that are over 12, it may be difficult to find a policy until you get better control of the blood sugar levels.

Don Profile Pic**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.



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What Is Final Expense Insurance?

Monday, May 23rd, 2011



Final expense insurance can save your loved ones a lot of money and stress at the time of your death. With the high cost of funerals, the last thing anyone wants to think about after they lose a loved one is paying for and planning final arrangements.

Final expense insurance can help ease that burden by paying for many of the costs associated with funerals, and if you have never seen the expenses of funeral and end of life care, you would be shocked to see how much it can cost!

Final Expense Insurance vs. Life Insurance

Unlike the high face value most regular life insurance policies contain, final expense insurance is written with a much lower face value and is intended solely to take care of the cost of a person’s final arrangements. A regular life insurance policy ranges from $250,000 to $1,000,000, while a final expense policy is typically purchased for $5,000 to $50,000. If you are looking for instant life insurance we can answer more of those details in our related blog.

Who Can Buy It

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy.

When you are ready to discuss a final expense insurance policy, our independent insurance agency will be glad to help, start the conversation by filling out a free insurance quote above and declaring the policy type as life and health.

How Much You Should Buy

It’s a good idea to discuss with your loved ones, or whoever will be your policy’s beneficiary, your wishes for the type of funeral you would like to have. If you are helping someone else who is near death buy a final expense insurance policy, you may want to consult with a funeral home about the type of final arrangements you would like to make. The funeral director should be able to give you an idea of the funeral’s cost including the funeral service, flowers, catering, a casket, a burial plot and headstone and any paid funeral procession arrangements such as police escorts. In general, funeral costs can range from $1,000 to $10,000 or more. The more you can predict your costs the less surprises you will have in such an emotional time of life.

In Conclusion

No one likes to think about what will happen after they are gone, but don’t forget about the people who will be left behind and will need to take care of your final arrangements. If you don’t already have a regular life insurance policy, buying a final expense insurance policy is a good alternative that will help your loved ones pay for your funeral costs. To get started, compare your options between final expense insurance and life insurance, decide if you’d like to submit to a medical exam or not and determine how much final expense insurance you should buy. We can help guide you through this discussion and process if you would like further explanation. We would love to help every way that we can.

In such a difficult time of life we want to do all possible to help aid you in this process. Our Insurance company in Georgia will gladly give you a free insurance quote and work with you every step of the way. Southern States Insurance believes we are in the people business. We want to know you and help make unfortunate circumstances as bearable as they can be, it is what a good insurance agency does for you.

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Instant Life Insurance In Three Easy Steps

Friday, May 20th, 2011

Shopping for instant life insurance is the easiest and quickest way to get term life insurance pricing online. When you just want an idea of what the cost will be and don’t have time to speak with a broker or fill out multiple applications, this is the way to go. Below are three easy steps that will help you get the quickest and most accurate term life insurance quote.

1. Calculate How Much Life Insurance You Need

Some people will tell you the easiest way to calculate how much life insurance you need is to simply multiply your salary by seven. While that may get you close, just take a few more minutes to get a more accurate picture of how much you’ll need by completing a “Needs Analysis.” Just add up the following:

  1. Short Term Expenses: medical, funeral and legal expenses upon your death
  2. Long Term Expenses: balance on your mortgage, college tuition
  3. Day-to-Day Expenses: food, utilities, travel (Multiply 1 year of expenses by the number of years you want your beneficiary to receive this money.)
  4. Current Financial Assets: savings, social security, investments
  5. Add your totals from steps 1-3 and then subtract the total from step 4. That should give you an accurate figure of how much life insurance you need.

2. Complete This Online FormIn Less Than A Minute

Here’s the easy part. Get a quote by clicking the link above and select answers for the 8 short questions on the quote page and click Continue. That’s it! You should instantly see about 20 term life insurance quotes from which you can choose. Compare the quotes by taking into consideration the insurance carrier’s rating, the term length and the price. Then click Continue next to the one you want and you’ll be taken to another page for the final step.

3. Choose A Company And Submit Your Application

On the Request An Application page, simply complete the required fields for your contact information and several Yes or No health questions and then click Send. That’s it! You’re done. In less than a minute, you’ve gotten loads of term life insurance quotes and sent your application to a member of our life insurance team who will contact you within one business day to get your policy started.

 

In a fast paced world, shopping for term life insurance shouldn’t slow you down. Getting dozens of instant life insurance quotes online with us should take you less than a minute. With all that free time on your hands, you can get back to doing what you enjoy, living your life.

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Finding A Lost Life Insurance Policy

Tuesday, October 12th, 2010

October 12, 2010 | by Jim


When my wife’s father died last year unexpectedly, one of the first things we did as a family was to begin searching for his Life Insurance policies. Since he had remarried later in life, he not only left behind a wife but 3 teenage children who depended solely on him. Panic set in as we turned their house upside down searching for these policies that would literally help keep the lights on and maintain a roof over their heads.

Finally, my wife’s brother found a folder with copies of their father’s Life Insurance policies. Inside was a spreadsheet listing the names of the Life Insurance companies and the amount of insurance each policy carried. The day was saved! But only just barely.  It took a couple of days to find that folder, and we were just about to give up.

The whole experience made me question my own organization of important documents like these.  What would happen if my family couldn’t find the only documents that would ensure they would be taken care of financially after my death?

This video from the Insurance Information Institute offers some practical advice for finding a lost Life Insurance policy and getting your own Life Insurance policies organized.  Watch it and then ask yourself if you’ve got some organizing to do.  

 

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