With the birth of my first son came a long list of items that I needed to take care of in order to protect my family – the first and most important being the purchase of life insurance.
I was quitting my job to be a stay-at-home mom and raise our family. Our entire livelihood was now going to be based on my husband’s job. If anything ever happened to him, I had to make sure that we would be taken care of.
After all my dutiful planning for the “what ifs,” one can imagine my shock to discover that two years down the line my husband had inadvertently let his life insurance policy lapse! I was terrified, thinking that it would take four to six weeks to attain a new life insurance package.
I asked myself, “What if something horrible was to happen to him today or tomorrow? What would we do?”
I had my husband call our Insurance Agent, Jeff Pennington, to inquire about our options. We were thrilled to learn that there were instant “temporary” life insurance packages available for him.
Within just a few minutes on the phone, Jeff got my husband covered. He didn’t even have to do a medical evaluation or wait for the usual month or so to get coverage. I loved that it was instantaneous, so easy to process, and, of course, put my mind to ease!
The “temporary” life insurance is a little more expensive than the fully underwritten product that requires a medical exam, but we wanted it immediately. It’s definitely worth the few extra dollars a month that you’d probably spend on your Starbucks’ lattes.
What’s even greater is that we will spend less per month and save money once we get approved for the 20-year life insurance policy, thus cancelling the temporary one. Jeff also assisted us in processing this during that same quick phone call where he helped us attain the temporary insurance.
The medical nurse for the long-term insurance company called us the next day and was out at our home in less than 24 hours for the exam. As a mom, I’m always looking for the quick, easy, and productive paths. When in a bind like finding out that your husband’s life insurance has lapsed, the instantaneous policy with “no medical” option was definitely the way to go!
Call Jeff Pennington today at 1-877-221-6198 to discuss your needs and get a selection of life insurance quotes for your situation. Jeff can answer all of your insurance questions and will provide friendly personal advice.