We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Industry News

Categories

  • Industry Articles (16,574)
  • Industry Conferences (3)
  • Industry Job Openings (37)
  • Negative Media (138)
  • Positive Media (73)
  • Sheryl's Articles (618)
  • Sheryl's Blogs (175)
  • Wink's Articles (242)
  • Wink's Blogs (258)
  • Wink's Press Releases (93)
  • Blog Archives

  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • May 2008
  • February 2008
  • August 2006
  • The Hidden Benefits Of Life Insurance

    November 28, 2011 by Thomas A. Heitz

    By Thomas A. Heitz
    InsuranceNewsNet

    Believe it or not – life insurance is much more than a policy that just provides coverage for one’s life. Many Americans do not truly understand what a life insurance policy has to offer. Unfortunately, due to this lack of life insurance knowledge, only one-third of Americans are covered by this significant policy.

    Many believe that they simply cannot afford the extra coverage, while others do not see it as a priority. A recent poll by MSN Money asked readers: “During hard financial times, where would you be most likely to cut insurance coverage to save money?” And yes – life insurance led the way with 35 percent of the vote – versus auto, home, health and the option of not cutting costs at all.

    It’s important that as a life insurance provider we do whatever we can to inform our clients and prospects about the importance of personalized coverage. Life insurance is a critical tool that all adults can utilize; whether single, married or divorced. Still can’t convince your prospect? Life insurance may not seem like the most important policy on the surface, but if you dig deeper, you will see the hidden benefits of a tailored policy.

    Here are eight reasons to tell your clients as to why they should look into a life insurance plan:

    1. If you are married, life insurance can cover your spouse. Most households are running off of two incomes. If something should happen to you, your spouse would be left with only one income. Do you think your spouse would be able to keep up with the bills and mortgage? With coverage, you will not have to worry about whether or not your spouse will be able to support the family. Too many families are forced to deal with hard times and decisions due to financial issues. Your loved one is already dealing with your death; the last thing he or she needs is to lose the house, too.

    2. If you are single, life insurance will cover loved ones. Many single and independent people believe that life insurance is useless without a family to support. However, did you know that life insurance will cover any debts or contracts in your name? For instance, perhaps you are a joint debtor on a mortgage with a sibling or even cousin. If you were to pass, he or she would be responsible for the entire debt. With the proper coverage, you will not leave behind these debts and burdens on your loved ones.

    3. The younger you are, the cheaper your premium could be. Your life insurance premium is determined based on a few variables. For one, if you are in good health, your premium will obviously be much lower. Therefore, purchasing life insurance at a younger age is crucial for a low cost. The best part? If you choose term life, your premium will remain the same throughout the entire time period.

    4. You can still be there for your children. Yes, you may not be there for your children throughout the years, but your policy will be. Your policy can be designed to help cover expensive college tuition and fees down the road.

    5. You can choose to have final expenses covered. It is no secret that funerals are an expensive ceremony. With (California) life insurance, you have the option to cover all final expenses. This is a great way to save your family from such a financial burden.

    6. There are a variety of options to choose from. Like many policies, life insurance gives you a few different options. Maybe you are not ready to insure your whole life just yet. Term life is a great way to insure a portion of your life for an affordable price. Others may feel like whole life is a much better option; it’s nice to know that your life is fully covered – as long as you are paying the premium! Whatever you choose, you will feel much better knowing that a policy is in place. Other options include universal, variable and survivorship insurance.

    7. Coverage is affordable. Life insurance is not the most expensive policy in the world of coverage. It is affordable because it is crucial.

    8. You are in control of your premium. Wondering why your premium is so high? Take a look at your lifestyle! It is a fact that smokers will pay a higher premium than non-smokers. The same goes for those who are overweight versus those who are in shape. Your health habits play a huge part in what your premium will be. To lower your premium, embrace a healthier lifestyle.

    The benefits of a life insurance policy are endless—and the ability to open a prospect’s eyes to the value of such a crucial policy is nearly priceless.

    Thomas A. Heitz owns and operates the California-based Heitz Insurance. Heitz Insurance first opened its doors back in 1965, as the area’s leading, local coverage resource – specifically focusing on securing clients customizable California life insurance. With roots set deep in Santa Clarita, Heitz Insurance specializes in providing dependable personal and commercial insurance solutions for residents across the state.

    © Entire contents copyright 2011 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent fromInsuranceNewsNet.com.

    Originally Posted at InsuranceNewsNet on November 21, 2011 by Thomas A. Heitz.

    Categories: Industry Articles
    currency