When people ask me what type of policy is the best to own, my answer is always the same: “The one that is in force on the day you die.” Of course, I follow that by letting them know that no one is better suited than me to help them find the proper coverage. While television advertisements always sell based on price, I sell based on the things that matter most, including coverage, policy provisions, underwriting concessions, and of course, cost.
So what is the right amount of insurance? Well, it shouldn’t be an amount that simply sounds good to you. One of the benefits of working with an independent agent is that I will take the time to conduct a comprehensive analysis in order to determine the exact amount of coverage that is necessary to protect the people you love the most. More importantly, I have access to a wide range of life insurance carriers, which allows me to find the best possible policy at the best price, based on your age, health, and other rating criteria.