Merry Christmas, Happy Hannukah and Happy New Year!

First, I'd like to thank all of our clients throughout the southeast for allowing Surf Financial Brokers to help with their life insurance needs, as well as their disability, cancer, accident and long term care insurance. We greatly appreciate the trust people have put in us. With that in mind, I also want to thank everyone for all the referrals you sent our way. When we get a referral, that typically means our agency can spend more time on our clients and less time prospecting. 

Last week I was having a cup of coffee with one of my awesome clients and she mentioned how important this time of year is when it comes to family and loved ones. As I was telling her that most people don't give life insurance (or other lines, for that matter) a serious look during the holidays, my client comments said, "You would think that people who love their families would use the message of Christmas to make sure they have enough insurance." I love that. 

My client was correct. When people who need more coverage say they can't buy insurance because they have to buy gifts, I cringe. I remind them what Christmas could be like without them in the picture and that those gifts won't help keep their family in their home or help pay the bills due to the loss of income. Most of my points fall on deaf ears.

I invite you to visit our calendar and schedule a short phone call to discuss your insurance game plan. If you decide that you still don't want to purchase until "after the New Year", that is fine. However, we can start the process from now without a payment until the New Year. 

You may not have any life insurance, or just a little through work. We can help you determine your need, which truthfully is the amount your family would need. Consider it your New Years resolution. 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog!

"Group Benefits" For The Self-Employed

I spend a portion of my time working in the "voluntary benefits" arena as an enroller, or "benefits counselor". In a nutshell, I enroll benefits for large groups, like schools, hospitals and municipalities, for example. Typically I sit with an employee in a one-on-one meeting and review their current benefits and check to see if they need any other insurance poducts. It's great to meet these folks and help them with insurance products like dental, vision, disability, accident and life insurance. 

The majority of my working time is spent working with individuals, however, many of which are self-employed. Realtors, sales professionals, small business owners and other "contract employees" or 1099's for instance, make up a lot of my clients. These great people are just as deserving of having decent insurance products, regardless of the size of their company. 

With this in mind, we invite all to visit our site and take a look at some of our voluntary products that can be purchased on an individual basis. There, one can get quotes for products such as life, cancer, hospital indemnity and accident insurance right from our site. And if you see coverage you like you can even start an application!

For some of our other products, like disability insurance and long term care insurance, one can book a short phone call to get a quote as accurate as possible.* We are independent agents and have access to many of the best policies. 

As independent insurance agents, we are also independent contractors, which means that we use our own products. Having a disability or cancer plan come out of our bank account instead of a paycheck doesn't change the fact that we need these important insurance plans. 

Please take the time to get a quote for yourself or your family. It probably won't cost as much as you think. 

*Quotes are not guarantees or offers of coverage and all policies are subject to underwriting. 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog!