Sterneker Insurance & Retirement Services

06/09/2021

A few tips to follow if you are looking to buy or refinance your home in this low interest rate environment.

Buying or refinancing a home is an exciting life event. It’s important to understand your options to ensure you’re making a move that makes sense for you. Check out this article to learn more.

03/27/2021

Target Date funds are a great way to keep your 401k or other investments simple! Great video by Ameritas explaining them.

01/18/2021

09/02/2020

Is Life Insurance through your employer enough?

Many individuals assume signing up for life insurance through their job is sufficient, but that may not always be the case!

Some issues to consider if you rely solely on insurance through your employer:

- If you lose your job or retire you could possibly lose all of your coverage.
- Employer provided life insurance is not always the cheapest. It’s important to compare!
- You may need more coverage than your job can offer.
- If you are young, you’re missing out on opportunities to lock in low rates!

“A healthy 50-year-old male could save nearly 80% on premiums in the first year alone by switching from an employer-provided term life insurance policy to an individual one” - NAPFA

Reach out if you’d like to discuss starting your OWN policy!

08/13/2020

If you're one of the millions of Americans who owns a permanent life insurance policy (or are thinking about getting one!) you've probably done it primarily to protect your loved ones. But o

07/27/2020

The second round of Covid Relief has been unveiled.

McConnell outlined major pieces of the Republican coronavirus stimulus bill as Trump administration officials are set to meet with Democrats.

07/21/2020

Don’t ever let life insurance leave the equation.

Imagine losing an entire income with absolutely no replacement for your family - that’s what no one can afford.

So many people over estimate the cost of life insurance. If affordability is an issue let me know. It’s probably cheaper than you think!

This is a great reminder. Life insurance is more affordable than you might think. When the budget gets tight, don’t let life insurance be the thing you remove from the equation.

06/05/2020

Nonfarm payrolls in May were expected to decrease by 8.333 million while the unemployment rate was seen rising to 19.5%, according to economists surveyed by Dow Jones.

06/02/2020

Does your current life insurance policy have living benefits?

What if instead of losing your life you suffer a serious medical condition? There are a lot of tough questions that would have to be answered in order to move forward.

Thankfully life insurance with living benefits can help reduce the financial strain and give answers to your situation.

A policy with a living benefit rider allows you to access part of your death benefit to be able to help with chronic, critical, and terminal illnesses. It can even help with some individuals who get admitted to a nursing home!

Living benefits are relatively new to life insurance and many policies in force today may not have it. If your interested in learning more or are not sure if your current policy has these benefits please don't hesitate to message me!

05/16/2020

No Medical Exam Required!

I try not to make sales posts often but if you want to add coverage for your family and don't like the idea of an exam.. Now is a great time to apply!