Hello all. Thanks for visiting. I created this blog as a
communication tool for anyone who needs straight forward answers to their life
matters in the area of insurance. I will tell you first off that I am not an “expert”
but I am a person who will get the answer for you if I don’t have it.
I’m a person first, and an agent second. What I mean by this
is , well let me explain. I did sell insurance about 15, 20 years ago (I don’t
want to count how fast those years have gone by right this moment) and I let my
insurance license lapse because my experience was so “horrible” that I told
myself I would never need it because I would never want to do that again! I’m not sure if it was just
me, but it seemed that the several companies that I worked for were more
concerned about making sales than it was in helping people. I might as well be selling cars or anything
else.
Now I’m older and have seen how people are literally “clueless”
about things like entering Medicare, leaving a legacy, debt cleanup, having
money to live on after retirement and more. I’m not blaming them, they’ve spent
their lives being an “expert” in whatever it was that they did for a living and
now they are expected to be their own retirement planner expert. When one turns
65, he and she have to make some quick and tough decisions within a window of
time that affects the rest of their lives.
Spending most of my life as a teacher and trainer, after
seeing friend’s parents and others go through these stages with and without
guidance I was prompted to re enter the profession again. This meant going
through all of the training again, the investment of time, money and brain
cells to become qualified to sit at someone’s kitchen table (in person or now
via your computer) and discuss these matters.
When I call people who are turning 65, some people are truly
afraid of sales people, and insurance agents, and they become “paralyzed” and
put off doing something until the last minute or they go with the first thing
that comes along just to “get it over with” and they feel better. They do not
know that they really have nothing to worry about. My thought is that when
someone is 64, he or she should be proactive and should seek out 10 or more
insurance agents and “get educated”. Even at 65 (or any time in life) one
should be without any fear of any insurance agent because the laws are on the side
of the insured. There are all kinds of “safeguards” for the insured. One can
not be forced in to any contract, they have a “free look” period, and no agent
wants to sit in front of the Commissioner of Insurance and explain their bad
behavior and lose their license they worked so hard to attain. That is why I
created this blog, so my readers can come here and get answers, knowing that I
can’t sell them anything (unless they live within a practical distance of my
residence in Minnesota, Wisconsin or Michigan) and that they sincerely want to
be “sold” and of course “need” it.
So readers, ask me your questions and I will get you the
answers. I hold licenses in Health and Life so I deal with Life Insurance (for
all ages) and especially those entering retirement.
