Learn: What Kind of Insurance Do I Need?

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.