Kristen Deiwert - United Home Life/United Farm Family - National Life Group

09/06/2021

Who knows of someone that will be turning 65 soon?
Anyone 65 has to have Medicare. Reach out and I can help you get that taken care of. Open enrollment starts October 15th.

06/29/2021

Did you know that some term insurance have an ROP (return of premium)? Which means you can either take the CA💲H at the end of the policy year OR you can covert into a PAID UP whole life policy and never have to make another premium payment?

I didn't think you did 🤔

06/15/2021

What do you know about an IUL? Tied to the market 👍 never loose a dime 👍 I can help answer your questions 🤓 This product is a win win 🔥

05/13/2021

At what age should you buy life insurance?
20s
Buying life insurance in your 20s

Your 20s are the best time to buy affordable term life insurance coverage (even though you may not “need it”). Generally, when you're younger and healthier, you pose less risk to an insurer, which is why you're offered the most affordable rates.

04/30/2021

04/30/2021

04/27/2021

WHY WE BOUGHT LIFE INSURANCE FOR OUR CHILDREN
Jenna Simanskas November 24, 2020 8 Individuals & Families, Our Story, Women
And 4 Tips on How It Works…

When our kids were little, we purchased life insurance policies for each of them. While it wasn’t a purchase that held a lot of meaning to our kids at the time, for my husband and I it was part of a long-term plan to establish good financial roots as we prepared for their future.

Purchasing permanent life insurance on children isn’t new, but if you’re unfamiliar with the concept, here’s how it works:

You purchase life insurance on the life of your child – because of their younger age, the premium is very affordable.
You pay the premiums as your child grows up, and the cash value of the policy grows 1.
Some policies come with a rider that allows you to purchase additional insurance coverage at specific dates throughout your child’s life. We opted for a whole life policy with this option. It meant that during option periods we could purchase additional coverage with no additional underwriting 2.
Once your child becomes an adult, you can transfer the ownership of the policy to your child.
Our kids are now responsible, thriving adults, and we made the decision to transfer the ownership of their policies to them this year. They will own their policies, pay the premiums and make decisions about who to name as their beneficiaries.

But that’s just the mechanics of the process. In actuality, our family has grown over the past couple of years, and the life insurance policies that we’ve been funding over the years will now protect our children’s families, including our grandchildren. We’re giving our children the peace of mind that comes from protecting their families. We’re giving them an asset with cash value that they can tap into if they need to 3. We’re giving them a head start on a strong financial foundation.

And because they understand the importance of life insurance now, we’ve introduced them to our agent – who is now their agent – so they can continue building on their financial foundation and carry on the legacy that we created for our family.

04/23/2021

Mortgage Protection Insurance IS NOT the same as homeowners insurance. Contact me for complete details.

04/15/2021

Here’s a list of items your loved ones might be responsible for immediately following death:

End-of-life healthcare
Outstanding mortgage/car loan
Credit card debt
Household expenses, such as utilities
Legal expenses, such as probate
Travel and lodging for out-of-state family to attend your funeral
Funeral home
Removal and transfer of remains
Embalming and preparation
Hearse and service car
Cemetery/burial plot
Casket
Burial vault/grave liner
Cremation
Flower arrangements
Obituary
Grave marker
Catering

I can help you make this less of a burden during a time of mourning. Contact me today for more information. Don´t wait until it´s too late.

04/09/2021