Backyard Insurance Brokers
Life Insurance
what is Life insurance?
Life and health insurance, are not a one size fit's all solutions. Your insurability will depend on your own unique health challenges, your financial health and your risks. When you speak with a broker, the more honest and upfront you are, the better we can help you. We can find insurance for most anyone, if you are being truthful when qualifying for plans.
Every insurance carrier uses several databases that can confirm every prescription every doctor has ever prescribed for you, your medical history, criminal record, driving record, credit history and licenses issued. When qualifying for a life insurance policy, all of these factors are taken into consideration to assess your medical, financial and personal risks, and how much insurance would be too much insurance. Lying, or knowingly omitting information, to your broker will only make their job unnessarilly difficult. If your broker knows the truth from the start, they can find the right carrier, and the right policy, without your application being rejected several times.
For example: If you had a DWI 7 years ago, your broker can avoid carriers that look back 7 years or less for DWI. If you have diabetes, some carriers won't touch you at all, but others will, if you are in control of your disease.
The true value of your home is more than a monetary asset. It's the sanctuary and safe haven for your family.
Nobody knows exactly when they are going to pass away. If you waited until after age 45 to start planning for your end, Final Expense plans are a good place to start.
Life insurance programs
There is so much more you can do with life insurance than just use it to pay for your funeral when you die. You can use insurance to plan for retirement, build a nest egg, or eliminate your debt.
Retirement Planning
Wealth Building Concepts
Debt Elimination Program
