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Tom Kramer - The Life Guy, 132 Wood Lake Drive, Ste. 705, Athens, GA (2026)

08/20/2024

Is life insurance something you have even remotely considered at any time in your adult life? If so, have you ever made a move to purchase it other than what you may have through work? If you said "no", you're not alone. Most people have questions and don't know where to get started, so it stops them from making it a priority and moving forward in the decision process.

Whether the life insurance is to add to what you already have at work, for income protection for your family, or to make sure your business continues on should something happen to you, I can help.

-- 44% of people likely to buy life insurance didn't end up buying because they didn't know how much to get
-- 80% of people believe life insurance is too expensive but overestimate their actual cost by as much as 3-5x
-- And another of the top 3 reasons for not buying is that potential buyers didn't understand their choices

Don't allow yourself to be a potential buyer who gets "stuck" in the process and doesn't end up protecting their family and/or business. These are all questions or concerns I can address and help put you at ease about moving forward.

Let's grab a coffee, a quick lunch, or have a phone call. I promise a low-key, no-pressure chat to get to know your goals and concerns and simply answer your questions. I'm licensed in a dozen states, so can probably help you out!

Feel free to call me at 706-510-5799 or e-mail me at [email protected].

07/19/2024

This sweet goofy dog of mine.

06/06/2024

I hear it all the time, "Term insurance is a waste of money."

This is simply not true.

It's the most affordable way to protect your family or business against the financial losses that could occur from your untimely death.

More importantly, if something does happen to you, I highly doubt your family, business partner(s), or employees will think the premiums paid were a waste of money.

Still not convinced?

What if I told you there's a way you could get all of your premiums back at the end of the term policy?

Well, there is! It's called Return of Premium Term and it does just that -- returns the premiums you paid into the policy at the end of your selected term duration.

Is Return of Premium Term right for you?

1. Are you a business owner who wants more bang for your buck when it comes to insurance premiums?

It’s important for business owners of any age to have coverage individually (Key Person) or as a member of a partnership (Buy-Sell) to ensure the business continues as normally as possible should something happen to you.

If the coverage is never needed, at the end of the policy’s term period, the business can use the returned premiums to invest back into the business whether it’s for needed capital improvements or business expansion activities.

2. Are you a young married professional buying their first life policy but desire value in addition to protection?

Young professionals whether single or married are perfect for this type of life insurance as your premiums will still be affordable due to your young age and good health, even though the premiums are slightly higher than a level term policy.

Plus, you'll be able to use the returned premiums when your policy ends for things like early mortgage payoff, home improvements, starting an additional retirement account, or even taking that once in a lifetime vacation.

3. Are you part of a divorcing couple obligated to have life insurance as part of a divorce decree?

Many divorcing couples are ordered to have life insurance as part of their divorce decree to cover alimony and/or child support payments.

The returned premiums can be used towards future expenses for your children like helping pay for college or a wedding or you could even decide to use the funds to do something special/fun for yourself.

Want to learn more? Reach out to me today:
[email protected]
(706) 510-5799

05/09/2024

Why Do I Need Life Insurance? (Part 7)

FINAL EXPENSES (i.e. funeral and burial costs)

Did you know that the average funeral in 2023 cost about $8,300?

And that doesn't include clergy, florist, catering, or any cemetery costs. Add in all those expenses and you're looking at roughly $15,000!

With how high inflation has been recently, imagine what that cost will be in 5-10 years.

Did you know there's a type of life insurance designed specifically to pay for these final expenses? And since it is low coverage amounts (usually $50,000 or less), the application and underwriting process are both simple and quick:

-- the application is usually about 8-12 health questions; at least the first 3-5 must have a "no" answer to qualify

-- there are no exams needed

-- no medical records are ordered

WHO IS THIS TYPE OF COVERAGE IDEAL FOR?

-- those not wanting to burden family with funeral expenses (Go Fund Me is not a viable option!)

-- people just retiring and losing their life insurance through work

-- those aged 50+ that have no remaining mortgage, other debts or additional financial concerns that life insurance usually takes care of at death

-- older applicants that want a simple no-fuss application process

-- those with some health issues that have been declined or heavily rated for traditional life insurance policies

And these are always WHOLE Life policies, so as long as you keep paying your premiums, the policy will last for your lifetime.

Interested in how it works? Have questions on the product or process? I'm happy to talk with you. Please reach out:

[email protected]
706-510-5799

05/09/2024

At my Business Networking International (BNI) chapter meeting this morning, I was awarded with our "Ivan Award" for having the best "commercial" this week. I talked about the importance for business owners and the self-employed to have disability income insurance to keep their own personal income flowing while temporarily disabled, but also to be able to keep their business operating for their valued employees and customers.

Because May is Disability Insurance Awareness Month, I recently learned an interesting statistic that I also shared with the chapter. Did you know that if you end up with a temporary total disability, that it could last, on average, for 2-5 years? Are you prepared for how that could impact your business or personal income?

I'll have Ivan working with me for the next week. Reach out to us for assistance with your disability income and/or life insurance:

706-510-5799
[email protected]

05/02/2024

It's National Life Insurance Day!

"Life insurance confuses me." I heard this statement from family members or friends many times during my time in the industry long before becoming a broker/agent myself. I'd have a quick discussion with the person, but then always refer them to a licensed agent to guide them.

Like with any major purchase, it's always best to consult with a licensed and trained professional to make sure you're getting exactly what you need and at a price that fits your budget and delivers value. Just like you wouldn't buy a house without a realtor, I'd NEVER recommend buying any type of insurance, including life insurance, without the expertise of a licensed agent.

I've been told one of my strengths as a broker/agent is making the process easy, smooth, and efficient. I take that as a huge compliment since that is always my goal with any client.

If you're thinking about buying, let's have a quick chat. I'd be happy to answer any questions you have with no pressure or expectations. Reach out to me at:

[email protected]
706-510-5799

05/02/2024

It's National Life Insurance Day! Please take 20 seconds to watch the quick video below.

The one item in the video that really sticks out to me (that many of us don't consider) is that life insurance gives your loved ones time to grieve. Let that sink in for a bit.

Moving on without a beloved spouse may prove near impossible for some. Having life insurance may allow the surviving spouse to take a leave of absence from work to spend more time with the kids, to take the opportunity to heal, and to even start figuring out what's next for the family.

When you're ready to talk, I'm happy to help:
[email protected]
706-510-5799

05/01/2024

Why Do I Need Life Insurance? (Part 6)

THE HOMEOWNERS

When you buy a house, you're not just buying a pile of bricks, wood, and steel. You're building a home that keeps your family safe and secure, where your everyday life happens, and where you're making memories.

You have the physical structure protected in case of fire or catastrophic storms. But is your "home" protected for your family's future in case of death? If something happens to you or your spouse/partner, don't you want your family to be able to stay where they feel secure and have made so many memories?

With the average mortgage payment in 2023 being almost $2,300/mo. and the average mortgage balance being just shy of $250K, it may be difficult for the remaining spouse/parent to make ends meet on their own. Why not get a plan in place to make sure the mortgage is paid off in case one breadwinner passes away unexpectedly?

This is where a Level Term life insurance policy matching the remaining duration of your mortgage makes a lot of sense! And did you know that it's much more affordable that you might think? In fact, most people estimate the cost of a term life insurance policy to be 3x what their actual cost would be.

For example, a $250,000 30-year term policy for a 35-year old male, non-tobacco user in good health is only $25 monthly. And only $21 monthly for the same policy for a 35-year old woman in similar health!

While I typically recommend making sure other financial concerns are also covered by life insurance, at a minimum, I always recommend making sure the home is paid off so your family has a place to live and plan for what's next.

Let me help you protect your mortgage against the unexpected:

[email protected]
706-510-5799

04/26/2024

Reflecting on the work week behind me on this Friday afternoon (as I sometimes do), I am reminded of why I love what I do so much. Earlier this week, I was able to help one of my dearest long-time friends secure lifetime life insurance protection for her children.

Don't get me wrong, it is a blessing to help/serve every person I've worked with since starting this broker journey....newer friends who have become clients as well as referred clients who have become friends. And, of course, my other agent business partners who allow me to help them help their clients.

This one has been particularly meaningful having already watched these kids grow up over the years, but now knowing I can be part of their financial security journey in the future.

I know getting life insurance on your children is not something most people like to think about, but it can benefit them greatly. With a properly structured policy, you can protect their insurability for the future (in case they'd develop a chronic illness and not be able to obtain life insurance) and have a cash value that can start building a tax-free nest egg for them.

If I can help you as well, please reach out:

706-510-5799
[email protected]

04/24/2024

Why Do I Need Life Insurance? (Part 5)

THE PARENT & DEBT CO-SIGNER

Do you have an adult child in college or one that recently finished? Then chances are good that you co-signed for some or all of any debt they accrued via college loans to pay for their education.

According to Forbes, just more than 50% of recent graduates leave school with debt and while the current average debt is only $35,210, that is for all age groups (even Baby Boomers) that are still actively paying on student loans. Younger generations typically have higher balances.

With the average annual inflation for college tuition being roughly 8% and the average annual tuition for a 4-year public college being about $11,000 and $38,000 for a 4-year public college, those numbers are sure to rise. Throw in a car loan and credit cards and your student has already racked up a fair amount of debt in their early-to-mid twenties.

As the co-signer, life insurance is an easy and affordable way to cover these loans should something happen to the primary debtor. The cost will be minimal since the primary debtor/insured is most likely young and healthy -- and it's a great way to start protecting their insurability and lock-in affordable life insurance coverage (and potentially other living benefits) while they're young.

Want to see just how affordable a term policy can be on your college student/recent graduate? Reach out to me and I'll be happy to show you:

706-510-5799
[email protected]

04/15/2024

Honored to have been spotlighted by my BNI group...

04/15/2024

Why Do I Need Life Insurance? (Part 4)

PARENTS WITH A SPECIAL-NEEDS CHILD

As a parent, you probably have plans in place for the care of your minor children should something happen to you including formal directions in your will and potentially life insurance to help fund their care.

If you have a special-needs child, these concerns obviously need to cover the remainder of their life and could be quite costly for their chosen guardian(s).

The national average for just the cost of a daily care center is roughly $8,000 annually for a child and roughly $24,000 annually for an adult. This may not include the cost of any additional educational, recreational, or therapeutic programs they need or enjoy, nor does it cover normal daily costs like food, clothing, etc.

Life insurance can obviously be very helpful with funding their lifetime of care. You probably even want to set-up a Special-Needs Trust to make sure the funds are managed wisely.

I can help you with the life insurance and can refer you to an attorney who focuses on Special-Needs Trusts as a primary part of his practice. Please reach out to me:

706-510-5799
[email protected]

Tom Kramer - The Life Guy

08/20/2024

07/19/2024

06/06/2024

05/09/2024

05/09/2024

05/02/2024

05/02/2024

05/01/2024

04/26/2024

04/24/2024

04/15/2024

04/15/2024

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