About Me

Reid Assurance

Dave Reid is the founder and owner of Reid Assurance. He brings over twenty-five years of insurance and risk management experience to bear along with more than forty-five years of general business experience, but is still learning every day from each person he is privileged to meet. Furthermore, Dave continues his studies with continuing education not just as required by institutions but he is forever a student of the business, reading everything he can find in order to serve his Clients in the best possible way.
Dave is the proud father of four daughters and a growing crop of grandchildren. When not working with his Clients, he enjoys spending time with his family and traveling.

General Scheduling

For all meeting duration possibilities, click here

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Careers

Are you interested in becoming an agent? Would you like a mentor who has been in the insurance business for 25+ years, owned a variety of businesses for nearly 50 years, and coached many hundreds of students over that time? I can help you achieve your goals if you are willing to work hard and do your part. There is no salary in this business, you earn your income through commissions on sales. It is all about the people that you can help. If you want to talk, book a 15 minute consultation with me.

faqs

frequently asked questions

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Permanent Life Insurance is generally intended to be permanent – for your entire life as long as sufficient premiums are paid. Term Life Insurance normally provides coverage for a specific length of time, after which it expires with no cash value. Naturally, term life premiums are lower to begin with than permanent insurance policy premiums.
Yes, term insurance can have a flat amount or it can have a decreasing amount which is sometimes used in conjunction with a loan such as a mortgage. Term insurance can be written for 1, 5, 10, 20, or 30 years. It can be renewable and it can sometimes be convertible for some period of time into a permanent policy without having to furnish any further evidence of insurability. Some term insurance policies are available with a return of premium rider so that a person could get their money back if they live until the end of the policy period. Of course that would significantly add to the cost of the policy.

Permanent Life Insurance often includes a cash value component, which grows over time on a tax-deferred basis and can be borrowed against or withdrawn (depending on policy terms).

Permanent Life Insurance types such as whole life, universal life, or variable life insurance have investment features that can grow or decrease in value depending on the underlying investments.

It may be suitable for long-term financial planning, estate planning, and providing lifelong financial security for dependents.

Not at all – those days are gone.  Today, everything can be done in complete safety and security with you remaining comfortably in your home, place of business, or wherever you want to be just so long as you have a quiet place where you can be on a computer, tablet, or phone.  Sitting in front of a computer is ideal, but whatever suits you is fine.  I normally use Google Meet for meetings.  If necessary, we can also use other platforms.  I have a scheduling tool so that you can easily book a meeting time that is convenient for you on my calendar – the link is on my contact page or just click here: https://calendly.com/dave-reidassurance  You will receive a Google Meet invitation sent to your email.  If something comes up and you need to reschedule, please let me know as soon as possible so that the time can be freed up for another Client or task.  Thank you!

Life insurance is generally available up until about age 85, some plans even beyond that.
Unless the blood in your veins has been replaced by embalming fluid, we can probably find insurance – let us go to work for you, we will do our best!

Is anyone financially dependent on you? Will there be any expenses when you die? Debts to pay, funeral bills, burial or cremation, mortgage, education. Is anyone dependent on your income that you would like to help out if you are not there to provide support? Would you like to leave a legacy to a charitable organization? To a church?

First we might answer the prior question, why do I need life insurance, and see what the need is. Then, we could determine how to best create the funds to cover the need. There may be more than one way to do it, and we can discuss what best fits your preference and you can make the choice.

If they were employed, check with their employer to see if they had life insurance at their job.  To see if they also had personal life insurance that is active, check your relative’s mail, email, or files for any statements or correspondence from insurance companies.  check their financial records: Look through bank statements or check for any automatic withdrawals that may have been for life insurance premiums.  If your relative had a relationship with an insurance agent, they may have information on any policies they held.  If none of that bears fruit, the National Association of Insurance Commissioners has a locator service that will assist you – they will check with all life insurance companies and ask that they check their records.  If a company has an active policy, they will respond to you:  https://eapps.naic.org/life-policy-locator/#/termsOfUse

Absolutely not.  We do not charge fees, and there is no obligation to speak with us.  We offer a 15-minute chat meeting just to get to know each other briefly, and of course we can speak longer if you wish.  We will then speak longer at a time convenient for you to get to know you and understand your needs and goals.  After that, we will get to work on our time, researching to find the best solutions for you and present ideas and suggestions for your consideration.  If you choose to do business with us, the companies will pay us for our time and service work. Would you like to chat?  We would love to meet you!  Just schedule it on the calendar here:   https://calendly.com/dave-reidassurance/15-minute-meeting

We have access to many of the leading carriers in the insurance industry.  You will not have heard of a lot of them, because many of our carriers do not advertise in public forums.  Here is a link to some of the carriers that we have access to: Carriers Page