Posts Tagged ‘Life Insurance’

Life Insurance 101

Thursday, August 1st, 2019

There are interesting differences between Term Life Insurance and Whole Life Insurance when you dig down deep.

Term Life Insurance is the least expensive today, but the most expensive over time.  Less than 1% collect a term life death benefit.

Whole Life Insurance is the most expensive today, and the least expensive over time.  100% payout, with the ability to add Long Term Care coverage.

So how can you say whole life over time is less expensive than term life?  Call Beck Insurance Agency at 419-446-2777 or click to schedule an appointment and a life insurance illustration comparison.

“I have life insurance through my employer.”

Monday, July 29th, 2019

When discussing or proposing life insurance options to people we often get this reply.

While I could easily touch on a number of reasons why you shouldn’t rely on employer provided life insurance, in this post we will only focus on one. A big one.

Approximately 95% of employer provided, group life policies have an active employee requirement written within. Meaning, once you no longer meet the definition of “active” – coverage often is voided without notice.

True story / example: A acquaintance of mine works with a lady. Her husband was diagnosed with cancer. He had to leave work to fight his cancer and not too long after unfortunately passed away. The life insurance the family thought he had, denied the life insurance benefit because he was no longer an “active” employee at the time of his passing.

Employer provided life insurance is a nice benefit….but buy your own as well.

Contact Beck Insurance Agency today to explore your own life insurance options. It’s not as expensive as you think.  Click or call 419-446-2777.

PMI Insurance

Friday, July 26th, 2019

It has come to my attention that some home buyers mistakenly believe that the PMI, or Private Mortgage Insurance that they are paying for as part of their mortgage payment – protects them.

PMI is generally required by the lender when the home buyer has less than the recommended 20% down payment, or equity in the home they are buying.  While you pay the premium, this insurance only protects the bank in the event that you default on your mortgage and the home sells for less than the outstanding balance owed at the foreclosure auction.

PMI is not coverage that protects you, it protects the bank and it does not pay off your mortgage in the event that you die.

If you do need life insurance please, please call or click.

Auto-Owners Insurance Company continues exceptional financial ratings.

Thursday, April 25th, 2019

Auto-Owners Insurance Group continues to be recognized for exceptional financial strength and stability among the nation’s largest insurers. Auto-Owners has once again received the highest AM Best Rating of A++ (superior), and is only 1 of 9 P&C insurers in the United States to do so. This now makes it 47 years in a row Auto-Owners has earned this coveted rating.

Beck Insurance Agency is proud of our relationship with Auto-Owners, having signed our agency contract with them in 1950.

For more information on Auto-Owners click here.

For Auto-Owners quotes call 419-446-2777, or click here.

Max and Kassie on Life Insurance

Monday, February 18th, 2019

Max & Kassie discuss the importance of having life insurance from the world headquarters of Beck Insurance Agency in Archbold, Ohio.

Hi!  I’m Kassie, and I’m Max….coming to you from Beck Insurance in Archbold.  Parents, we want to remind you of the importance and low cost of life insurance.  Do you have kids?  A mortgage?  Loans?  A spouse?  Kids??

You need life insurance!

Only 62% of people have life insurance.  And over half of those have way too little.  Even worse, one out of three households admit they would suffer financial disaster within a month of the main breadwinner passing.

What would we do?

And it’s not as expensive as you think.  80% of people think life insurance is more expensive than it really is.  But it’s like less than a java chip frappechino a day….more like a couple of pop tarts!

So what’s your excuse?  Mom?  Dad?

Contact Beck Insurance today for your painless life insurance review!

Call 419-446-2777, click here, or stop by Beck Insurance Agency in Archbold, Ohio.

Life Insurance….with Max and Kassie

Wednesday, January 23rd, 2019

Kassie – Hey Max, what’s the difference between a whole life policy, and a man?

Max – I give up Kassie…

Kassie – A whole life policy eventually matures!

Max – Ohh, Kassie….

Max – You know what’s mature is making sure you have enough life insurance in place to protect your loved ones, should the unspeakable happen.

Kassie – That’s a really good point Max.  Who can someone call for rate options through all of the top life insurers?

Max – Beck Insurance Agency in downtown Archbold.  They have access to dozens of the top life insurance companies and can help guide you through the process from start to finish.

Kassie – Call or stop by Beck Insurance Agency.  419-446-2777

 

Joe Buller joins Beck Insurance Agency!

Thursday, December 6th, 2018

Beck Insurance is pleased to announce the hiring of Joe Buller.

Commercial Insurance, Business Insurance, Farm Insurance, Joe Buller

Joe comes to Beck Insurance with 22 years of insurance experience.  He started his insurance career in 1996 and has experience at both the carrier and agency levels.  Joe grew up in a farming community in southwestern Minnesota and relocated to the Monclova, Ohio area a few years ago.

Joe will be focusing his time on Commercial Risks, Farms, Life, and Long Term Care.

Please contact Joe for all your commercial / business insurance needs!

jbuller@beckinsurance.com  /  419-446-2777  /  Online Here

Why We Ask. Life Insurance Matters.

Monday, August 20th, 2018

Here is a moving video courtesy of Pekin Insurance on the importance of Life Insurance for you and your loved ones.

A new widow left with inadequate life insurance urges every family to make sure they have enough. In this Pekin Insurance video, new widow Catina Lawyer says that life insurance matters for everyone, even younger people, and explains what a difference good life insurance would have made for her.

Please contact Beck Insurance Agency today for a life insurance review. Click or call 877-446-2325 today.