Barlow Life Insurance 2.0

06/15/2023

Good morning everyone! Im working from home today so thought id jump on here and let some of you know that we ( Barlow Family Insurance ) also carry term life insurance . So what that means for my younger friends like myself is you can purchase a policy for a less expensive amount that could pay lets say $250,000 and put it at 30 years and if you pass away your beneficiary will receive that for bills, house pay off, basic living expenses or whatever they choose. If you happen to live past the 30 years you can renew it however the premium would most likely go up. If you're in your 40's that would be till age 70-80. Lets be honest unfortunately people are passing away younger and younger these days . When you do pass you want your children/ family to be financially stable if they are still young. As a mom i know i still want to be able to help my kids out even after 18. I know our economy is tough and money is tight. Ill be honest i have had several customers cancel their policies because they simply cant afford it on a fixed income but 75% of them are in their 60's - 80's . For them its really hard. With us younger folks we are still working still doing our side jobs etc.
If youre a part of your parents lives please make sure they also have a policy for their burial. That is what we specialize in the most. If they are in decent health you need to buy now and not wait till they are sick or develop congested heart failure, copd, diabetes, cancer, other lung issues that require oxygen. That will make their premiums high. You dont wanna be upset trying to take care of everything and wondering how youre going to pay the funeral home, the plot etc. Get it set up SOON. As we get older things get higher, we're literally seeing it everyday at the gas pump, grocery store EVERYWHERE!!!! Please give me a call and i can get you all the information you need ... 812-798-1127

04/19/2023

04/19/2023

Today I sold a couple policies to a young couple. I was very impressed that they were already thinking about their future and making sure that their children don’t have to worry. 20,000 worth of coverage for little amount of money per month. It’s never to early to start planning just to be safe. We never know when our days on earth will be over. Remember the younger you start , the healthier you are … the less money you pay. We guarantee that. Also if you’re on a fixed income like many of us are you can always start at what you can afford then add more coverage at a later time. It’s best to have SOME than NONE. Your family and loved ones don’t need that worry when your time on earth is done.

Wanna set up an appt feel free to get a hold of me. No money due at time of paperwork. It will be one of the best things you can do for your family , I promise. 812-798-1127 even if you want to meet on a weekend I can. I can do with what works best for you. Feel free to share.

03/29/2023

I am now a licensed agent! Feel free to message me and set up an appt today. Let us help you make some great decisions so your significant other / children don’t have a burden when your time on earth is done.

02/01/2023

Took my Indiana Licensing exam today for life insurance. I did not pass , however I did a whole lot better than last time ! I won’t give up , I will be here to serve you one day very soon!! God please give me all the knowledge , calmness and wisdom to pass this test (hopefully Friday) 🤞🏻 Thanks again for your support. It means so much to me !

01/27/2023

Tomorrow is exam day! Wish me luck!! 🙏🏻

01/25/2023

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to.

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST-I DID) and it’s a very necessary conversation

01/24/2023

Good afternoon! Hope everyone is doing well today ! Friday I will be taking my State Life Insurance Exam . I’m very excited! Hoping to see some of you soon and help you put the worries about final expenses behind you ! We have day 1 coverage , not the ads you see on tv. Most likely we sell the kind of insurance your parents and grandparents bought!! We also offer insurance for grandchildren and great grandchildren for less than $3.00 a month !!

While I’m still waiting on my exam if anyone is interested please feel free to message me or comment for a in person visit ! Takes less then 45 minutes to complete all paperwork! We’re here for all your life insurance needs! Hope to see you soon. Feel free to share! We will be willing to travel to any surrounding county !

01/20/2023

Update : I have scheduled my Test for next Friday! Hopefully next week I will be an actual Life Insurance Broker! I’m so excited and nervous !!