Fall Back into Safe Running Habits

Fall Back into Safe Running Habits

Running and Thanksgiving are two things that aren’t easy to put together, but it’s somewhat necessary. When we have the holidays coming up, and we just know that we’re going to feast on the holidays, running becomes a part of our everyday routines. This may come at some inconvenient times due to the family events that we‘re all planning, the cold weather, rain/snow, and the shorter days. I agree that it’s hard to leave the comfort of your warm, cozy home to go out and run in the rain and freezing temps but for those of us who ARE doing that on the daily, here’s what you need to know.

November is National Running Safety Month and I know some people don’t think this is even a concern. So we’ve put together a brief blog to explain the hazards of running this time of year and some quick ways we can combat this to make it a safe place for all runners.

A huge concern right now is the shorter days. For those of us who work 8am-5pm, it’s dark in the mornings before work and its dark almost immediately when we get out of work. On top of that, we also have rain and snow more often than not, so you’ll have that on top of the darkness. So if you’re lucky, you can run on your lunch break, otherwise, we need to come up with a more creative solution.

If you’re going to be running in the dark, you’ll need to wear brightly colored clothing. This is both easy and necessary. Purchase some neon yellow clothing and make that your running gear. I would recommend also wear a head lamp and a light up running vest. These are light weight and will make it easier for you to see and be seen by other people and drivers. You should also take your phone and ID and be sure to run against traffic.

Someone may also want to consider carrying a mace or pepperspray. This time of year the running trails are less busy and makes us more susceptible to danger. Keep your pepperspray somewhere easy and quick to reach. Some other things to consider would be a whistle or a self-defense ring.

The cold weather is going to make your body hurt. Be sure to set aside plenty of time for a warm up stretch (just some easy, light stretching) and then a good long, heavy stretch after your run. You need your muscles and joints strong and healthy for this time of year. Also, make sure your shoes have good grip for snowy and icy days! Not only are the cars dangerous in the winter elements but you could be a danger to yourself. You’ll want to keep your phone charged and on your person everytime you run in case you slip and hurt yourself.

With all of that being said, we want to wish you happy running and remind you to stay safe!

 

Employee Spotlight:

Congratulations to two of our employees, George Graham and Shad Breimayer, on their work anniversaries this month! George is finishing up his first year with Alliance and Shad is completing his 8th year. Both are such a delight to work with and we couldn’t be more grateful. A big congrats to both of them!

                                   

 

 

10 Trick or Treat Safety Tips

There’s no doubt your little ones are beginning to get excited about Halloween. You can’t blame them – what child wouldn’t start counting down the days to dressing up as a superhero, princess or firefighter while also getting free candy?

To make sure your family has the best Halloween this year, here are 10 safety tips:

  1. Never trick-or-treat alone. Always make sure you are either with your kids or they are in a group.
  2. Have a planned route before-hand. If you aren’t accompanying your kids, plan out where they’re going to go with their friends. Tell them what neighborhoods are good, which they aren’t allowed to go to and what’s deemed too far.
  3. Have a flashlight. You want to be able to see that candy right? It’ll also make your trick-or-treaters more aware to other children and drivers on the roads.
  4. Wear comfy shoes. Sure, Spider-Man might not rock sneakers with his outfit but you’re going to want your children to be comfortable for the long walk that night.
  5. Never accept rides from strangers or go inside strangers houses.
  6. Only visit well-lit houses. If a house doesn’t have its porch light on or any other indicators that they’re open for candy, it’s best to skip that house and move on.
  7. Don’t eat any candy that isn’t properly wrapped. A tummy ache will crush your child’s candy-eating dreams.
  8. Don’t run! Those costumes aren’t built for sprinters, so tell your kids to not be in such a hurry to avoid tripping over theirs or others costumes.
  9. Stay on sidewalks as much as possible. Don’t wander into the street and stick as close to houses as possible.
  10. Make sure your child can properly see and move comfortably. It’s fun to put down the cape and cowl of your favorite hero, but make sure they can see and enjoy the night properly and reduce the risk of getting hurt.

Alliance wants to wish everyone a Happy Halloween! We’d love to see your costumes, please share them with us! And you have a funny Halloween story then we’d like to hear that too! Let’s kick off this holiday season with a great start!

Alliance Insurance

 

Do Vampires Need Insurance

Dogs as Ghosts Many people walk around under the illusion that they don’t need insurance. Unfortunately, this illusion is a dangerous mirage that can create a perilous financial future for those who buy into it. In order to show you just how necessary insurance is for every individual, let’s talk about vampires.

Why Vampires?

Okay, so vampires don’t seem very relevant, but consider this: according to modern mythology, not only do vampires sparkle in the sun but they are also immortal, may be able to read minds, can have super strength and speed, and are generally less vulnerable than humans—as long as the sun isn’t out. So if there’s anyone who doesn’t need insurance, surely a vampire would fit the bill, right? Wrong.

Vampire Insurance

  1. Vampires need life insurance. Why in the world would the immortal need a life insurance policy, you ask? Well, even the eternally undead are not impervious to fire, wooden stakes, silver bullets and the errant ray of sunlight. With a life insurance policy, a vampire can easily leave a suitable legacy while also providing the means for a fitting funeral.
  2. Vampires need business insurance. With thousands of years of life stretching before them, vampires must have a perpetual means for generating an income. Their independent spirit would likely create an entrepreneurial streak leading to the creation of their own businesses. Business insurance could help a vampire protect his business against liabilities, cyber theft, content damage and more.
  3. Vampires need home insurance. If a man’s home is his castle, then a vampire’s home is … well … really his castle because, as everyone knows, vampires would totally live in castles. But these castles wouldn’t be empty or filled with cheap furniture. Instead they would be filled with valuable antiques the vampire had collected over her several lifetimes. And, in the bedroom, an expensive casket for spending daylight hours away from the sun. In the event of a fire, theft, hurricane, or other covered peril, said vampire would rely on a home insurance policy to replace the value of her property and rebuild her palace.
  4. Vampires need auto insurance. What kind of car would a vampire drive? Well, one with a sense of irony might decide to travel around in a hearse. Others might prefer a car of regal bearing that complements their strength and power. Whatever car a vampire chooses, late night driving and searching for a midnight snack of jugular could someday result in an accident, theft or vandalism, not to mention the potential of an act of nature to bring destruction. Not only can an auto insurance policy protect a vampire against losses from damage done to his car, but it can also pay bodily injury and property damage liability costs.

The living dead might exist only in the hearts and minds of readers and moviegoers, but the risks that they would be exposed to are real and are faced by mere mortals every day. To get the policies that even a vampire would need, and maybe some they wouldn’t, give us a call today! 616-897-1515

5 Tips for Preparing Your Car for Winter

Fall is just about here and that means the hardest season for your vehicle is around the corner. Winter takes its toll on many drivers, particularly if you haven’t taken the time to do some basic maintenance on your vehicle.

Here’s what you need to know to reduce your risks of getting into an accident in slippery conditions and to help you get more life out of your vehicle.

1. Check Your Tires. First, you’ll need to check the tread-wear on your tires. Take a penny and place it in between your tread, with Lincoln’s head facing up. If you can see Lincoln’s hair, you need new tires. You’ll also need to check your tire pressure to make sure it’s at the optimum level for your particular vehicle. If you live in an area with chronically bad winter weather, you may want to consider purchasing snow tires for the winter season.

Prepared for Winter
Is your Car ready for Winter?

2. Replace Your Windshield Wipers. This is one thing that many car owners miss, and it can have serious consequences. The elements are hard on your wipers, and they should be changed twice a year, in spring and fall. Don’t forget to change the wiper on your back window if you have one!

3. Change Your Oil. As the weather cools down, you’ll need to make sure you’re using the right viscosity of oil. If you change your own oil, check your owner’s manual to make sure you’re using the recommended oil. If you’re having it done for you, just ask the shop to provide you with oil that’s right for winter.

4. Check Your Battery. The last thing you need when it’s cold is to end up stranded somewhere. Take your battery to a shop and have it checked to make sure it’s got enough power to get you through winter. If you’re getting your oil changed, many shops will even throw in a battery check for free.

5. Check Your Antifreeze. After the long, hot summer season, you’ll also need to make sure you’ve got the right levels of water and antifreeze in your car. The ideal mix is 50/50. It’s best to have the professionals take care of this one for you, unless you have experience in checking your antifreeze.

These five simple steps will help keep your car running smoothly all winter and reduce the risk of getting into an accident or needing a tow.

Have more questions on your options for vehicle insurance and what you can do to lower your premiums and reduce your claims? Give us a call today at 616-897-1515

Alliance Insurance

10 Insurance Claims You Didn’t Know Existed

10 Claims You Didn’t Know Existed

When we ask people about Umbrella policies, they almost never know what we’re talking about. The thing about Umbrella policies is that they cover a TON of intriguing and unusual scenarios. For your own amusement, we’ve provided some surprising claim examples that are 100% REAL.

umbrella
Umbrella Policy

Example 1: A babysitter left a 5 month old infant unattended in a walker. The infant toppled the walker, struck her head on the floor, and suffered brain damage. The parents of the infant sued the teenage babysitter AND her parents. The court awarded the infant’s parents $11,000,000.

Example 2: An insured’s daughter hated math class as well as the teacher. The daughter made several disparaging and false remarks about her teacher online. The teacher sued the parents for personal injury and $750,000 was paid.

Example 3: The insured’s 18 year old son was driving the insured’s car on a short trip to the store with his girlfriend. He lost control of the car and struck a tree. The insured’s son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. His girlfriend, a 19 year old college student, was hospitalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical therapy. She has a right drop foot as a result of the injuries. The insured’s personal umbrella policy limit was paid.

Example 4: A 28 year old engineer dove into a friend’s above ground swimming pool, struck his head on the bottom and, as a result became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60% responsible and the pool manufacture to be 40% responsible, and awarded $10,000,000.

Example 5: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.

Example 6: A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Family
Home Insurance for your family

Example 7: A hillside on the insured’s property was covered with concrete to prevent erosion. The concrete had been installed before the insured purchased the property. Approximately 5 feet of the concrete fell to the neighboring property knocking the claimant’s home from its foundation. The resulting claim was settled for $970,000.

Example 8: The insured permitted several of her children and their friends to play paintball in her large back yard. The children were experienced and advised of all the safety rules including the use of headgear at all times. A participant removed her headgear as she was leaving the field in order to better hear someone calling her name. The minor claimant was his in the eye resulting in a $475,000 settlement.

Example 9: The insured hosted a beach party for their daughter. One of the attendees found what was believed to be an empty and discarded propane tank. The tank was thrown into a beach bonfire and subsequently exploded resulting in severe injuries to several guests. A $20,000,000 claim was filed alleging the insured failed to properly supervise the party.

Example 10: A couple hosted a party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his consumption of alcohol. This case went to the State Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners and personal umbrella policies responded to this claim.

After reading through these different scenarios you’re probably slightly shocked and what some of these people have gotten sued for and who was truly at fault for the situations. Most of these sound “totally unfair”. These are EXACTLY why it’s so important to have an umbrella policy.

Umbrella Policy: An umbrella policy is an excess liability policy. This means that it offers additional coverage for property you already have covered. So in the case of a lawsuit, if the underlying policy’s liability coverage is exhausted, the umbrella coverage will kick in. Umbrella coverage often includes a wider array of scenarios as well. Umbrella policies can be purchased by the million. So you can have a $1 million, $2 million or $3 million. You can sometimes go even higher with this coverage as well.

Umbrella policies are usually about $20-$25 per month and can add a multi policy discount onto your underlying policies as well so if you’re interested in getting a quote for this then be sure to give us a call!

616-897-1515.

Medicare Open Enrollment

 

Medicare open enrollment begins  ‎10‎/‎15‎/‎2018

 

What is the annual Open Enrollment Period (OEP)?? 

It is the time of year that every person over the age of 65 receives lots of extra mail and hears many confusing radio and TV commercials.  Such an exciting time of year!  Oh, but there is an actual purpose to this event people refer to as Medicare season.  The Open Enrollment Period runs from October 15th through December 7th.

 

What Changes Can You Make During the 2019 Medicare Open Enrollment?

  • Do nothing and your current Medicare coverage will automatically renew in 201
  •  Enroll in, leave or change your Medicare Part D drug plan
  • Switch from Traditional Medicare to a Medicare Advantage plan
  • Switch from a Medicare Advantage Plan back to Traditional Medicare
  • Change from one Medicare Advantage Plan to another

Good Reasons to Change Your Plan

You may be wondering: what would be a good reason to change your Part D plan or Medicare Advantage plan in 2019? Here are some of the most common reasons that plans change during Medicare Open Enrollment:Medicare opens October 15

Your plan is dropping one of your important medications next year. Your Annual Notice of Change letter will specifically list any changes to its drug formulary for next year. The plan must disclose if they are dropping any medications. They must also tell you if a medication is moving to a more expensive tier for next year. If you take a brand name medication now that won’t be covered the next year, you may want to change during the OEP to another drug plan that will.

Your Medicare Advantage plan is dropping your doctor from its network. Unlike Medigap plans, Medicare Advantage plans have a network of doctors. If one of your doctors is leaving the plan’s network, you can use the Medicare OEP to switch to another plan that your doctor still participates in.

Your plan has a drastic change in premium. Please note that the key word here is “drastic.” Inflation happens to medical insurance plans just like it does to auto insurance plans. If your auto insurance goes up $3/month next year, would you go to the hassle of changing it? Probably not. Likewise, if the only thing changing on your drug plan is a small increase in premium, you probably won’t have to switch. But if your drug plan goes up $20/month, you might look to see if any other plan is cost effective.

Here is a handy checklist of things to think about during this OEP:

During open enrollment we have extended our hours to ensure we help each customer.  If you want to set up a time to meet, we are available for standard business hours of 8:30am to 5:00 pm, evening and Saturday times are available by appointment only.
  • Do you have a Medicare Advantage Plan?
  • Are you aware of the changes for 2019?
  • Do you want to switch plans or carriers?
  • Do you need to re-enroll for 2019?
  • Are you happy with your prescription drug coverage?
  • Do you need extra coverage?

 Have you heard from your Medicare insurance agent this year?  Do you have a Medicare insurance agent?

  • You might be wondering why is have a Medicare insurance agent important; it is important, so you always have an advocate working on your side.  Medicare insurance agents go through training each year to be able to compare many different products, so they can help advise their clients accurately about changes and new benefit offerings.
  • You might think it is completely normal to never hear from your agent since they originally signed you up; Sadly, that is how most agents operate.  We at Alliance Financial & Insurance are not like most agents.  We communicate with our clients throughout the year and send out letters announcing open enrollment changes and offer to sit down together to walk through the changes together. 
  • You might say to yourself, I can call my insurance company customer service if I have a problem; Insurance agents have different lines of communicates that we can utilize to help get problems resolved for our clients.  By being the go to for problems throughout the year, means that we stay in contact with our clients and provide the level of customer service that each Medicare member deserves.  
  • Are you worried it will cost you more money to have any insurance agent?  There is NO charge to utilize the services of an agent.  If you are not happy with your current agent, it costs you nothing to switch agents.  The process is very simply to make a change.  If you are not happy or don’t have an agent, give us a call….

 

 

 If you need help and want to talk to our Medicare Specialist, please give Chris a call 616-897-1515 Ext. 119. 

WE ARE ALWAYS HERE TO HELP!

Alliance Insurance

 

Time for Tailgating

Football Time of Year

Football is one of the most exciting parts of fall! Not just the game itself, but the idea of cheering on your favorite team and using that good competitive spirit. AlongFootball with the football game, come many other activities. Football isn’t just a sport, it’s a lifestyle. You’re going to have a TON of cookouts and tailgates to attend. At that point you’ll be mostly worried about your jersey, your foam finger, and your dish to pass but don’t forget all of the other things that we tend to put out of sight and out of mind on game day.

When going to the game or the tailgate, make sure you have the correct coverage on your vehicle. An accident in a parking lot (regardless of who’s fault in may have been) will always go back on your own insurance for your vehicle’s damages. Make sure you’re insured correctly because even if you’re a great driver, the person next to you may not be. You’ll want to call your agent and discuss your coverages if you have any questions, that’s what we’re here for!

All of these parties and get-togethers are a good call for an umbrella policy. These are fairly cheap and provide a ton of additional coverage (contact your agent). An umbrella policy would help you to rest a little easier if there are people in your home drinking beer during the game. Or if someone gets a little too rowdy and says something offensive to a fan of the opposing team. There’s a lot of uncharted area when it comes to alcohol and competitive sports so an umbrella policy may be a good idea.

Whoever is in charge of grilling is going to need to be someone who won’t be distracted by the game. Not only, do you want to make sure that the food gets cooked properly but you also want to make sure that safety is on their mind. You never want to leave a grill unattended once it’s lit/hot. There are kids and pets around and it’s just better to keep an eye on that. In the event of a grease fire, it’s important to remember that you should NEVER throw water on a grease fire. Baking Soda is a life saver when it comes to grease fires, make sure everyone in the cooking area on game day knows this. You don’t want your drunk friend throwing water a grease fire while you’re reaching for the baking soda because that would be a hot mess.

 

Now that we’ve been through all the boring, adult stuff, share your recipe for your favorite dish to pass! We all have one thing that’s out “go-to” for a pot luck. Share it with us!

Have a fun and safe weekend, and GO BLUE!

Autumn Activities

Autumn Activities

Michigan is lovely in the fall and the leaves are just starting to turn their many different shades of yellow, orange and red. The cooler weather is bringing in someApple Orchard excitement along with it. Fresh, breathable air, calls for outdoor activities! We all need to get our fill of the outdoors quick before the snow comes!

Fall is one of my personal favorites! It’s bringing in the holiday season and that’s so exciting! Get out the decorations and your long sleeves again, it’s time for fall! Not only are we celebrating the cooler weather and changing of colors on the trees but we’re also prepping for winter.

We’ve made a list of things going on in the Grand Rapids area. These are things that are only happening this fall and you’ll want to get them in before it’s too chilly outside!

Artprize: Everyone knows about Artprize. This is the world’s largest public art event and one of Michigan’s favorite times of year. This is a perfect time to get some exercise and fresh air walking around downtown GR. Grab a coffee and get your creative spirit flowing, fall treesthere’s TONS of art to see and of all kinds! Sometimes you even get to see the artist! This is going on now through Oct 7 so you’ll want to head down when you get a chance!

Corn maze: These are good for family and friends! Take a group of people and get to work! You can go to a haunted corn maze, or just a normal corn maze and you’ll have fun either way! A perfect place to go, if you’re looking for a family event, is to Heidi’s in Lowell. Not only do they have the BEST donuts, but they also have a fun filled corn maze!

Apple orchard: There are also plenty of these, you can google search and there will probably be plenty in your area. If you’re looking for the best one then head over to Robinette’s in Grand Rapids. You won’t be disappointed! Donuts, cider, wine and pumpkins will get you in the holiday spirit real quick!

Football game: In the American spirit, you’ll want to attend (or watch) at least one football game. Take a trip down memory lane back to your school days while cheering for your favorite teams! Embrace your competitive side and go enjoy a night under the lights!

Pumpkin patch: This idea is similar to that of the apple orchard, get outside and celebrate the season! Pick out your décor pumpkins and don’t forget to get some for carving! Save the pumpkin seeds to make yourself a tasty treat afterwards. Send us photos of your pumpkin creations!

Fall Festival: there are plenty of fall festivals to go around. Craft shows are starting and you’ll need your fall décor. Fall Festivals are a great way to get together with your community and celebrate the season!

Fall Color Tour: Take a self-guided color tour of Michigan’s brightest trees this fall! Some excellent places are the Lowell/Ada area and (of course) our lovely Grand Rapids. This is an opportune time for a photo shoot. Whether there’s a special occasion or not, it’s never a bad idea to take some photos this time of year.

Haunted House: These may not be for everyone but they sure can be thrilling! If you’re looking for a heart racing adventure, this is for you. Go get your socks scared off and your adrenaline pumping. You can choose a lower level haunted house or the huge 4-story terrifying one. Bond with your friends and family through this spooky experience!

 

This is my personal Fall Bucket List, please comment anything that you’d add to make it your own! We’d love to hear your ideas and add them to our list!

Happy Autumn! 

Wedding Season

Wedding Season

For most of us, wedding season is an exciting and joyous time of year for us to celebrate and go to fancy parties. We go shopping and plan out exactly what to wear. If we’re spending so much time on the wedding then we need to make sure that we’re getting all of the appropriate coverages as well.

An unfortunate accident can turn the best day of your life into a disaster in all but 30 seconds. This is easily preventable by calling your insurance agency and going over the details. Depending on where you’re having the wedding, if there’s going to be alcohol at the wedding, the rules of your reception hall, and any additional coverages you may need to add for your own comfort and peace of mind.

If you are having alcohol at your wedding/reception you will need a liquor liability policy. These are usually pretty cheap and only for the Big Day. This is more of a “need” than a “want”. You never know what will happen with alcohol and your guests. It’s usually out of your control. This policy will protect you and usually your reception hall will require this anyway.

You’ll want to schedule your rings (or any other expensive wedding gifts or jewelry) onto your home policy to guarantee coverage for those high value items. Many people assume that all of their jewelry is covered no matter what, however, high value items require special coverage AND scheduling an item on your policy includes special perils so you’ll be covered from a wider array of situations. Keep colored photos and appraisals on hand and be sure to submit them to your insurance company as well. According to Trusted Choice, 96% of stolen jewelry is never recovered. Don’t take the chance of being the 4% that does recover the jewelry.

Wedding RingsWedding Traditions Explained:

1. The origin of the “First Look” concept started during the time of arranged marriages, where it was believed that if the bride and groom saw each other before the big day, they would have enough time to call off the wedding.

2. The origin of the Bridesmaids are quite different from what they are today. They originally wore similar dresses as the bride and walked close by to confuse any exes or “evil spirits” that may have come for the bride. They would also serve as a protective shield while walking the bride to the groom’s village in order to keep anyone from trying to hurt the bride or steal her dowry.

3. The Best Man used to play quite a different role than they do presently. Way back when, the duty of the best man was to ensure that the runaway bride didn’t escape from the wedding. When the bride’s parents didn’t approve of the union, the best man was asked to make sure the groom would be able to take his bride regardless of how her father felt. The term “best man” came from this because they were usually the strongest and fastest in order to effectively do his job.

4. Up until about 1840, brides traditionally wore a red wedding dress. It was Queen Victoria who went against the trend and wore white. The idea caught on, and now white is the traditional color for a wedding dress.

5. The origin of the honeymoon is also much different than present day meaning. The honeymoon was used by the groom to hide his bride from her tribe for about a month so that they wouldn’t know where to find her if any “rescue missions” were planned. Similar to the idea of the best man and his duties during the ceremony.  This helped ensure that the groom could keep his bride and no escapes or kidnappings would occur.

For more wedding traditions explained, visit this website for many more! https://www.southernliving.com/weddings/history-wedding-traditions#origin-of-bride-carried-over-threshold-getty-image

Share your wedding stories with us!

Life Insurance

Do I actually need life insurance?

It’s Life Insurance Awareness Month! We’re raising awareness here and we want to help you with ALL of your insurance needs.

Let’s face it, society buys insurance for their bodies, homes, vehicles, recreational toys and even their animals but hesitate to buy life insurance to protect their family’s future.  Why is that?  Life insurance is one of the greatest gifts you can ever give your family.  71% of people say they need life insurance yet only 59% have a policy. 

Many people say, “I have a policy through work.”  If your employer provides you with a life insurance policy, that is a wonderful benefit however, what happens when you leave that job or (heaven forbid) lose that job?  You also lose that policy.  Purchasing your own policy is best so no matter what obstacles life throws at you, your life insurance policy will remain intact and you will have the comfort and peace of knowing that your family is protected in event of an accident.   

So why are people so hesitant about purchasing life insurance? 

1. It’s too expensive.  Not true, it is too expensive to not have life insurance.  If you are proactive and purchase a policy in your 20’s, 30’s or 40’s you will pay far less and will be able to lock in your low price for up to 30 years.  If you wait until you are in your 50’s and 60’s, it will certainly cost you more.  See the sample rates below:

Age

Gender

$250,000; 30 year term policy

25

Male

$22.00/month

25

Female

$18.00/month

35

Male

$26.00/month

35

Female

$22.00/month

45

Male

$57.00/month

45

Female

$45.00/month

55

Male

$155.00/month

55

Female

$109.00/month

 ** All rates are subject to underwriting approval

 ** Preferred Non-smoking rates shown above

 

2. I don’t want to have a medical examThe sooner you buy life insurance the more likely it is that you will not have a medical exam.  Technology has improved in the world of insurance underwriting and many applicants are able to secure life insurance without having to submit to a medical exam.  If you do need to have a medical exam, the exam is done in the comfort of your own home and is not invasive.  They take your weight, a small amount of blood, a urine sample and take your blood pressure.  The process is fast and no charge to the customer. 

Those are the top two reasons why people wait to purchase life insurance.  Hopefully we have demonstrated that it is not in your best interest to wait.  You never know what the future holds.  It is better to be 5 years early purchasing your life insurance policy, than 5 seconds too late.  

 Give Chris, our life insurance specialist, a call today for your free no obligation quote.  616-897-1515 x 119

Family