Faqs

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often includes a cash value component, which grows over time on a tax-deferred basis and can be borrowed against or withdrawn (depending on policy terms).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

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?

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