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Friday, October 22, 2010

When There is a Will, There is a Way!

I am really surprised at how many of my friends and clients are without life insurance and are without a will. I did an unofficial poll recently by asking that question... do you have a will and a life policy? Most people I talked to are without one or the other.

I recommend term life. It gives the consumer the best value. The policy owner chooses the term (number of years) and the financial limit. This policy pays when the owner passes away. It is again, very cost effective. Most importantly, as responsible people, we need to make sure our loved ones are taken care of if we do die.

Wills and trusts are the road maps to asset management. They do not need to be expensive or complicated. But without a will there is no way to manage your material things and make sure your loved ones are treated fairly. Families do strange things without proper instruction. In July, when my Aunt died up in Detroit, in-fighting took over at the saddest time. I was amazed what the lack of planning can do to relationships.

A term life insurance policy and a clear will lets all family members know that you care about their the most important and valuable ingredients of being here on this Earth, them...

Most of you reading this know me. You know I care about your well being. The coolest thing is the fact that my quotes to you are FREE! Gosh, I love free too!

Honestly, look at all your policies like you do your check book or balance sheet and get the right coverage at the best value. Have a great weekend!

I am at Jim.vogel@woomerinsurance.com 919 244 6989 www.woomerinsurance.com

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