Simpkins and Associates

11/01/2021

Medical Enrolment is here!
call 888-693-0461 or visit us at

HealthSherpa is the fastest and easiest way to enroll in ACA / Marketplace health insurance. Click on the link to shop and compare plans, grab a FREE quote, and sign up for coverage.

10/06/2021

"It Is Better To Have Insurance
And Not Need It.
Than To Need Insurance
And Not Have It."

08/30/2021

Bill Simpkins is always here for all your Insurance needs. Call me any time 706-658-2527

07/14/2021

A New Special Enrollment is here - anyone can apply for coverage!!
Ends August 15th for most States.
Call us 888-693-0461
8:30 AM - 5:00 PM Monday - Thursday
8:30 AM - 4:00 PM Friday
or visit us at https://www.healthsherpa.com/?_agent_id=william-simpkins

05/11/2021

For Individual Health Insurance.
August 15, 2021 is when the Special Enrollment Period (SEP) ends.
You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.
Call Simpkins & Associates at 888-693-0461 We are here to help you.

05/04/2021

https://agentsite.anthem.com/ac/williamsimpkins Click on the link to get a Free Health insurance quote for Individual, Family and or Group for a Company Or Better yet give us a call 706-658-2527

03/06/2020

Welcome to Simpkins and Associates. Our moto is Securing your Future, while protecting your past. We always look to find the best way to protect your family, your health, your business and your finances. We are North Georgia's Premiere Source for Independent Life and Health related insurance solutions.

03/06/2020

Simpkins & Associates: Providing insurance to Georgia families for over 40 years. Life, Medical, Medicare Supplements, Short Term Medical, Investments and An...

07/25/2019

CRITICAL ILLNESS * HEART ATTACK

EVA always dreamed of owning her own small business, and at age 40 she finally made it happen with the help of a loan of $250,000. That spurred her decision to purchase a LIVING BENEFITS, 25-year term life policy for the same face amount as her loan, in case anything unexpected should happen to her. She couldn’t believe the premium payments were under $45 per month. Eight years later, Eva suffered a serious heart attack, and that critical illness diagnosis had a major impact on her life expectancy. She was happy she had the ability to access funds by accelerating her death benefit in order to help with her medical bills.

EVA’S LIVING BENEFITS IN ACTION ILLUSTRATED SCENARIO

Profile: Female, Age 40, Standard, Nonsmoker

Initial face amount: $250,000

Monthly premium: $44.51

Event: Heart attack at age 48

Life expectancy impact: Severe

ADB min/max: Maximum: The lesser of 90% of the policy face amount or $1,500,000
Minimum: $2,500

Cash payout from ADB: Age 48: $134,552

Face amount remaining
after ADB exercised: $25,000

Premiums paid to age 48: $4,272.96

07/23/2019

The Value of Living Benefits on Term Insurance

Term life insurance can be an affordable way to buy temporary death benefit protection. Most term policies provide a simple, but very important, benefit: If the individual who is insured dies, a death benefit is paid to beneficiaries. But what if your dollar could stretch a little farther? What if, for the same or a similar premium, your term life insurance policy could do more? With Term life with living benefits, it can.
This benefit gives the policyowner the option of accessing a part of the policy’s death benefit early if one of the medical events listed below occurs.

Qualifying events for living benefits:

Terminal Illness
The diagnosis of an illness expected to result in the insured’s death within one year.

Chronic Illness
The insured is unable to perform at least two of the six “Activities of Daily Living”, or ADLs, without substantial assistance for a period of at least 90 days due to a loss of functional capacity. The ADLs include the following: ● eating ● bathing ● continence● dressing ● toileting ● transferring

Specified Medical Conditions
The insured has been diagnosed with a medical condition specifically listed in the rider — such as strokes, certain heart and/or cardiovascular conditions and life-threatening cancers.

If you decide to use the living benefit, you can receive a lump-sum advance against your policy’s death benefit and have the freedom to spend it however you choose, making a difficult time a bit easier for you and those you care about.

Call us should you have any question. 706-658-2527

02/25/2019

Hey! Hey!

We have a new underwriting program called Smooth Sailing. The Bottom Line of this Smooth Sailing program is that folks from age 50 through age 69 can get up to $500,000 of life insurance WITHOUT an exam.

Reach out to us to get this process started!