With over 24 years of experience, I have helped my clients make sound decisions and save money on life insurance.
I am a financial educator in the northern Alabama area and a member of the Huntsville Better Business Bureau and Huntsville and Madison Chambers of Commerce. I have counseled hundreds of clients and helped them protect those they love the most. My practice has focused on helping people create a life insurance plan for their family and business that is affordable and makes sense for their situation.Life insurance products have changed through the years. If you have not reviewed your life insurance program in the last couple of years, you may be costing yourself a lot of money and missing out on some valuable benefits.
Since you have probably just watched the video about life insurance, let's review questions that may come to mind.
brad williams
How do I shop on-line for life insurance?
When getting quotes on-line, you may be interested to know that many of the sites contacted are not insurance companies at all. You may be giving someone your personal information to sell. Your services with me are confidential and your business remains local.
How do I find the right agent?
Is the representative reputable?
As an experienced agent, I can make sure that you are not paying too much and getting too little. The agent who sells you home and auto often charge much higher rates for life insurance to compensate for lower home and auto rates. Additionally, by working with me as an independent agent you will have more choices than by dealing with a captive agent who is working for a specific company.
How much life insurance do I need and how do I know the terms fit my needs?
The amount of insurance you need is determined by your debt and the amount of financial security you intend to leave for your loved ones. There is a simple worksheet here on this site to help determine those key points.
How does my current health affect the results? Does the agent care that my family will be financially protected and secure when I am gone?
Since not all insurance companies treat health issues the same, your first step is critical. Pre-existing conditions can become a long-term problem if not approached carefully. I will use my years of experience to help you avoid a costly mistake.
What should I expect once I apply?
By knowing what you are applying for, you will feel confident in the expected outcome. I will lead you through the requirements of each insurance company, which could include urine and blood samples, and physician records. This is very personal territory - you should be guided by someone you know and trust. I will be here to review the underwriter's findings as issued in the policy. You need to understand that you are not locked in and have the opportunity to review your options.
Like most, you have end of life expectations of financial security for your family. You certainly want to make such an important decision with the guidance of a local resource that is a trusted partner with your best interest in mind. As an experienced financial advisor representing dozens of top life insurance companies, I can help answer all of your tough life insurance questions.
My goal is to save you time and money, while giving you peace of mind and confidence in your decisions.