How Much Does Life Insurance Cost?

One of the obvious questions people ask when discussing life insurance (or any other kind of insurance for that matter) is "What is the cost?" The answer I have to give is "it depends". Usually this can be a frustrating response to a seemingly easy question.

There are a lot of factors to determine how much your premium can be. Here are a few:

• How much coverage you need
• Your age
• Your health (recent illnesses, medications you take, etc)
• Tobacco/cannabis usage
• The type of coverage you need (term or permanent)
• Your budget

A licensed agent can help you navigate these items and assist you in finding a plan that works with your budget. Ultimately, the goal is to protect you, your family and maybe even your business. 

Luckily, we have a quoting tool on our website that asks a few questions that will help you get an idea of the price range of a policy. Remember that these rates are merely "estimates" and the actual premium price will be subject to underwriting.

Let us help you find a policy that works for you. 

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. Please subscribe to this blog!

The Football Analogy

Life Insurance Awareness Month (LIAM) is in full swing and it may be a coincidence that it starts just as football season begins. As I was watching a few of the first games of the year a thought crossed my mind. In the game, teams play offense and defense. In our financial lives, we should be doing the same.

When we play offense, we're working and building wealth. But we also need to protect what we have worked for and that means playing some defense as well. The best way to "defend" your savings and assets is through insurance products like life and disability insurance. 

A stroke or cancer diagnosis can easily wipe out your family's savings within a few months, but having a plan in place that can help you keep the assets you have worked for over the years. By playing defense, you know that if a health scare should arise, your family, and maybe even your business, can stay afloat. 

We offer a full suite of products like life, disability, cancer and critical illness plans. Visit our site and get a no-obligation quote that can give you the peace of mind in knowing that if you should "fumble and lose the ball", you can still preserve what you have.

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. Please subscribe to this blog!