Monday, March 23, 2015

Pre-paid Funerals are NOT a good idea!

Say "NO" to pre-paid funerals and why you should consider a "Final Expense" policy instead! With a pre-paid funeral, there will always be potential for or fear of someone embezzling your funds, the funeral home is the beneficiary of the policy (not your family), there is always the chance that some services will not be covered, what if your plans change and now you wish to be buried at another location. The BEST choice is a "Final Expense" whole life insurance policy that will settle all the above concerns and pay directly to whomever YOU choose as a beneficiary. The CONTROL remains with YOU, not a funeral home or funeral director. Call Matt Skiba today at 734-395-5425 or 989-941-6808.

Life Insurance "A Legacy of Love"

Watch and listen to this video message, it should cause you to reflect on the inevitable...your death and your family.  Every responsible person should be asking themselves if they have the "RIGHT" type of life insurance and the "RIGHT SIZE" amount of DEATH BENEFIT should they die before retirement.  At the very least this video should confirm how important your choice is as a "Responsible Individual or Family Person", and you should know the importance too of working closely with a professional and sincere agent. You have found that agent with Matt Skiba. I hope that you all take the 2.01 minutes to see and hear this powerful message.

When is the last time you have had your "Life Insurance" policy reviewed? Are you aware that in 2009, the mortality tables were changed due to fact that men and women are living longer lives? I review existing life insurance policies on a regular basis. How long have you had your policy? Have your goals changed? Has your family size changed? Has your income changed? Do you love your family enough to do what is right today, so that they can be better protected in the future?

Life Insurance: no longer just a death benefit

Life Insurance: no longer just a death benefit.  NEW POLICIES from very well established companies have revolutionized the industry with hybrid policies.  These hybrid policies HAVE EXCEPTIONAL LIVING BENEFITS, a mixture of Long-Term Care and a Death Benefit.  Stand alone Long-Term Care policies still have their place in our society, however if you have such a policy you may be paying too much for limited care with NO PROMISE you will ever recoup your investment.   Living longer is not always synonymous with living better.  The facts show that: 70% of people over age 65 will need some form of Long-Term Care with the average length of care when needed over 1 year is care needed for 3.9 years.  Compare what you MAY have with your current Life Insurance Policy to what you MAY be missing.  If you have both a current life insurance policy AND a long-term care policy...what are your premiums compared to your benefits AND think of the money lost if you are in that 30% group that will never have a need for long-term care.  As smart investors and shoppers, we have compared products for investment and purchase every day of our lives, why stop with the MOST IMPORTANT product...your life? 
Call me for FREE comparisons at: 1-734-395-5425 or 1-989-941-6808.