Insights Unveiled: Navigating the World of Insurance with Expertise
Since life insurance isn't required by law, many people don't buy it. Some feel it's tempting fate, others see it as a waste of money. In fact, it's neither. Here are four groups of people who do need life insurance, and some reasons why:
Recent grads and young professionals may not seem like typical candidates for life insurance. This is true especially if they're single, employed and have no dependents.
But many have student loans, and sometimes these are in their parents' names. Its people in the latter group that should consider life insurance most. If you pass away, the loans in your name might go away but the ones signed by your parents may not. A life insurance payout will allow your parents to pay the debt without second thought. Then they can move forward in their healing process without the financial burden. Life insurance will also likely pay off any other debts you have.
Getting married often brings a sizable amount of debt under one roof. You might not have dependents, but should one spouse die, the insurance will allow the other financial security. They can pay debts using the settlement. Money can be set aside for any dependents that you do have, as well.
Parents have a clear need for life insurance on them, and the other parent. Even if you are not with your child's other parent, they need it too. It's important that they understand this need for insurance. You also need a will that tells surviving family members how you want the money used. Update this after family changes occur. The birth of another baby or the passing of the person you named as guardian are times when you need to update.
Conventional advice suggests that by retirement age, life insurance isn't as essential. Still, if you're near retirement and have little saved, getting life insurance is smart. It will be more expensive, for sure. But well worth the cost for the value you get when you make a claim. Even if you have a considerable nest egg that will support you, it's still a good idea to have a policy. It's very easy to see that almost everyone should have life insurance. Don't think of it as an investment, but peace of mind for the loved ones of those who pass.
YEARS OF EXPERIENCE
How It Works?
Get acquainted with the process of insurance. It takes just a few simple steps.
We will be glad to guide you a complimentary session to strategize and understand your needs.
Select Your Service
With your blessing, we will get to work on setting up a proper insurance plan for you and your family.
Receive Peace of Mind
You're all set! You're now ahead of the pack in securing your financial well-being for years to come.
What people say about us.
A few comments from our beloved clients
"I would like to thank Dr. Cheryl D. George for getting me a great insurance plan. She was very courteous expedient and thorough. I really appreciate her for finding me a very reasonable rate. I couldn't be happier keep up the great work."
"Dr. Cheryl D. George is an awesome colleague and an experienced agent and coach. Cheryl has many years of experience in the Life, Health, Property & Casualty Insurance industry as well as the Financial Industry as a whole! She is passionate about help people get the right coverage for their budget and showing people how to create their own legacy by proper planning!"
"Thank you kindly, Dr. Cheryl D. George (The Insurance Queen) for going the extra mile and taking great care of my mom's insurance needs as well as mine. I am grateful that our paths crossed and I will spread the word about your first-class, exceptional service! YOU ARE AWESOME!! #ladyinsurance"
"I appreciate working with Ms. Cheryl because she is very knowledgeable about the various organizations and products within her industry. She is likewise professional, efficient, and graciously patient with her clients. To sum it up, Ms. Cheryl is a blessing and a joy to work with!"
"Dr. Cheryl's LLC helped me find the most affordable plan that fit my health needs!! She was thorough and precise."
I loved working with Cheryl because they provided extensive details about our options, which empowered us to make informed decisions! We were shopping for a flexible and affordable plan that we could start right away and that’s exactly what we received!
"She went above and beyond to help me out would always pick up when i called i would recommend her to anyone who needs insurance"