Wes Howell - Country Financial

09/12/2025

Enter to win a suite for a Huntsville Havoc game!!

Do you wanna be next to the bench on Opening Night?

Enter NOW to win an exclusive Ice Suite sponsored by COUNTRY Financial! 🗣️

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07/29/2025

Adam knows the value of having a plan and peace of mind if the worst happens. That’s what life insurance can do — help you prepare for the unknown, so you can live the life you love. Here’s more about life insurance.
What is life insurance?
Life insurance provides your family with money to pay debt, funeral expenses, etc. if you die. You pay your insurance company a premium. In return, your beneficiaries (the people you select) get the death benefit.
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Types of life insurance
Term life insurance: Coverage for a specific amount of time. If you die during that time, your beneficiaries get the death benefit.
Permanent life insurance: Lifetime coverage that builds cash value.
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How does life insurance work?
For a term policy, select a policy term and the amount of money you’d like your beneficiaries to get if you die during that time.
For a permanent policy, if you make the required payments and don’t let the policy lapse, you get lifetime coverage. Plus, you can access the policy’s cash value while you’re alive.
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Why do I need life insurance?
Here are the top five reasons people get life insurance*:
• Funeral expenses
• Wealth transfer
• Income replacement
• Mortgage pay off
• Retirement income supplement
*Source: 2023 Insurance Barometer Study, Life Happens and LIMRA
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To find out what type and how much life insurance you need, give me a call today and let’s talk.
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we’ve been helping families plan for the future and protect the life they love since 1925. Follow us for ways you can protect what matters most.

04/10/2025

Talking to your insurance agent once a year can help you prepare for major life events and unexpected curveballs. Here’s what to discuss and why it’s important to meet with your agent annually.

What should I discuss with my insurance agent?
When life changes, so do your priorities. In an annual review, talk to your agent about changes in your life, as well as your plans and priorities, to ensure you're protected.

Are there other times I should contact my insurance agent?
Yes! Here are other times when giving your agent a call is worth the time.
1. Your policy is up for renewal.
Take time to evaluate your needs and your coverage since your last renewal to ensure you’re protected.

2. You’ve made major lifestyle changes.
Got married, quit smoking or had a baby? These changes can impact your insurance coverage needs.

3. You bought or received valuable items.
Receiving gifts such as jewelry or buying anything new for your home, like TVs or even artwork, means you might need additional personal property protection.

4. You’ve updated your home.
Made home or property improvements such as replacing the roof or installing an alarm system? Depending on the upgrade, you may qualify for a home insurance discount.

As an insurance agent, I’m committed to providing you with the best solutions for your needs, so you can experience all that life has to offer.

Give me a call today, and let’s talk!

Source: https://ilfbpartners.com/resources/learn-why-you-should-meet-annually-with-your-insurance-agent/

02/07/2025

Life insurance is a vital part of protecting your financial future and it will never be more affordable than it is today.

So, how affordable is life insurance, really?
The truth is, it depends on many factors, like age, health, lifestyle, coverage amount, etc. The good news is that even though the factors influencing your rate may feel extensive, getting life insurance is easier than ever. Life insurance companies use advanced underwriting methods to make the process easy for you.
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How can I lower my life insurance cost?
There are a variety of life insurance options that can fit your needs and budget. But if you want to try to lower your rate, these steps may help:
✅ Purchase a policy at the youngest age possible. Parents may consider purchasing a policy for children as their premiums are typically much lower than an adult’s.
✅ Live a healthy lifestyle. Individuals who live healthy lifestyles generally have lower premiums than those who don’t, as they tend to live longer and have a better quality of life.
✅ Review your insurance options. Term life insurance is typically less expensive than whole life insurance, since you are only paying for it for a certain amount of time.
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If you don’t have life insurance or haven’t reviewed your policy in a while, meet with me to discuss what life insurance is best for you right now and how much you can expect to pay for it. You might be surprised to learn that it’s more affordable than you first thought.

12/04/2024

Home insurance is a must to protect you if you experience damage to your home. But you may be looking for ways to save. Here are four ways you can cut costs to your home insurance without skimping on coverage:

1. Look for home insurance discounts.
You may be eligible for money-saving discounts if you make improvements to your home, pay on time or avoid claims for a certain amount of time. We offer these home insurance discounts:
• New Roof discount
• Claim Free discount
• Good Payer discount
• Protective Devices discount
• Smart Home discount
• Welcome discount

2. Bundle your policies.
Many home insurers offer discounts if you bundle your home and auto insurance, along with other insurance products. We offer a Multi-Policy discount for clients who have both home and auto policies with us.

3. Change your home insurance deductible.
I can help you choose a deductible that works for your budget. If you want to lower monthly premium costs, you can choose to increase your deductible. Or you can choose a set dollar amount deductible instead of a percentage.

4. Ask me for a home valuation.
Make sure you review your home valuation with a representative. A verified valuation may help you save money on premiums or at the time of a claim.
These are some ways to lower your home insurance rates. Contact me to find out more.

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has been protecting homeowners since 1925. Follow for more on how you can protect the things that matter most.

10/30/2024

Three times and counting! For the third year in a row, COUNTRY Life has been recognized on Ward’s 50 list of top performing life insurance companies for 2024. This award is given for outstanding financial results in the areas of safety,
consistency and performance over a five-year period (2019-2023). Give me a call today to find out how you can protect what matters most.

10/17/2024

Everyone meet Hudson, our new office assistant and future Country Financial Rep! Give him a call today at 256-373-0092 for all of your insurance needs!

10/17/2024

Life insurance provides more protection than you might think. If something happened and you were no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

10/17/2024

I'm proud to be part of a Fortune 1000 company! COUNTRY Financial was ranked 701. Why does that matter? Fortune Magazine recognizes the 1,000 largest American companies according to revenue. That level of financial strength and stability means we’ll be here for you when you need us. Contact me to learn more about why you should choose COUNTRY and, in the meantime, check out the list.

The Fortune 500, in its 70th year in 2024, ranks the biggest U.S. companies by revenue.

09/19/2024

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
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◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
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◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
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◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
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◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
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◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
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◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
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◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
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Learn about our home insurance coverage
https://cfin.us/Home-Insurance-101

08/29/2024

There are a lot of myths about life insurance floating around out there. According to the Life Insurance Statistics, Data and Industry Trends 2024 report published by Forbes, 52% of Americans say they don’t have life insurance because they believe it’s too expensive. In fact, 82% of people surveyed overestimate the cost of a life insurance policy, with a majority of people incorrectly estimating the cost of life insurance to be 3x as high as it actually is.

Why is this? The truth is, there may not be a very good reason for this belief. According to the 2024 Insurance Barometer Study Report, 54% of people surveyed said their life insurance cost estimate was based on “gut instinct” or a “wild guess.”

The right life insurance for your needs might be more affordable than you think. Contact me today to see how we can affordably enhance your life insurance coverage or get you set up with a policy from Forbes’ #1 ranked life insurance in the U.S.

Life insurance policies issued by COUNTRY Life Insurance Company®️ and COUNTRY Investors Life Assurance Company®️, Bloomington, IL.

07/10/2024

Reliability. Stability. It’s why AM Best* rates us “A+ (Superior)”** for financial strength and ability to meet client obligations. COUNTRY Life Insurance Company®️, our issuer of life insurance, has been in a top AM Best rating category for 90 consecutive years. Contact me today!

*For the latest rating, access ambest.com.
**AM Best's rating report 2023