Navigating the Life Insurance Offers

 

By Tonya Smith

 

Each month, utilities companies pack their envelopes with “Valuable Offers” and I always throw these away without giving any thought to what these offers are.  Today was different; I took the time to glance at each of these offers and discovered the following:  

 

Why would anyone pass this offer up? Is there a catch? After the initial $1.00 purchase, it appears the monthly rate is $3.49 for Adults. Still doesn’t seem like an unreasonable offer does it? Wanting to know more, I googgled the company. They have been in business since 1951. Globe Life is rated A.M Best Company and awarded Globe Life an A+ based on their latest analysis of financial strength, management skills and integrity. I went to the website they provided with the mailing, clicking on the “more information” and “sample policy” tabs, I was eventually directed to Contact Customer Service where I could submit my name, address and contact information. I could have just signed up for another mailing list but I halted!

Fortunately, here at the Financial offices of Cooper and Adel Financial Agency, we have a team of experts that can help you navigate these offers and explain in detail exactly what these offers may or may not provide for you. A high percentage of time, these offers will not supply you with the necessary coverage and insurance you want to leave your family. Please feel free to contact our offices to discuss your needs and any new policies you are contemplating. And rest assured, we will not sell your name to a mailing list company, nor flood your mailbox with useless information. 

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