Iris's Life Insurance

10/21/2026

Are you underinsured? Try this simple 10-second math formula: 💙

1️⃣ Take your annual income × 10
2️⃣ Add your remaining mortgage balance
3️⃣ Add any outstanding debts (credit cards, loans, car payments)

Is your current policy enough to cover that total number? If not, your family may have a protection gap.

Want to see how easy and affordable it is to close that gap? Send "INFO" to our inbox today to get a quick quote!

10/19/2026

Did you know life insurance payouts are generally 100% tax-free to your beneficiaries? 💙

When your family receives a death benefit payout, it helps cover major expenses without creating a tax burden:

1️⃣ No Income Tax: Beneficiaries don't pay federal income tax on the payout.
2️⃣ Immediate Access: Payouts go directly to beneficiaries without waiting for probate.
3️⃣ Full Financial Protection: Every dollar is available for mortgages, debts, or living expenses.

Want to make sure your payout structure is set up for maximum tax efficiency? Send "INFO" to our inbox today!

10/16/2026

Who should you name as your life insurance beneficiary? Here is what you need to consider: 💙

1️⃣ Primary vs. Contingent: Always name a backup beneficiary in case your primary choice passes before you.
2️⃣ Minor Children: Naming minors directly can complicate payouts—setting up a trust or custodian is often a safer route.
3️⃣ Regular Updates: Review your policy after major life events like marriage, divorce, or a new baby.

Want to make sure your beneficiary designations are set up correctly? Send "INFO" to our inbox today to review your plan!

10/14/2026

If you run a small business, what happens if a key partner or top producer passes away? 🏢💙

Key Person Life Insurance helps protect your business by:

1️⃣ Covering short-term revenue loss during transitions
2️⃣ Providing funds to hire and train a qualified replacement
3️⃣ Funding buy-sell agreements so ownership stays stable

Want to protect your business and employees? Send "INFO" to our inbox today to explore your options!

10/13/2026

What happens to personal debt when you pass away? Here is what you need to know: 💙

1️⃣ Cosigned Debts: If someone cosigned a loan or mortgage, they become responsible for the balance.
2️⃣ Individual Debts: Estate assets are used to settle debts before inheritance is passed down.
3️⃣ Family Impact: Life insurance proceeds can be used to pay off debts directly, preserving your family's financial security.

Want to make sure your family is fully protected against unexpected debts? Send "INFO" to our inbox today to get started!

10/12/2026

10/09/2026

Think life insurance is only for breadwinners? Think again. 💙

If anyone relies on you financially or for daily care, having coverage ensures they are protected:

1️⃣ Single Parents: Protect your child's future income & care.
2️⃣ Business Partners: Ensure business continuity without financial strain.
3️⃣ Caregivers: Cover the cost of care for aging parents or family members.

Unsure if your situation calls for coverage? Send "INFO" to our inbox and let's discuss your unique needs!

10/05/2026

Avoid these 3 common life insurance mistakes to keep your family fully protected: 💙

1️⃣ Relying only on work coverage: Group policies often end if you change jobs or retire.
2️⃣ Waiting for the "perfect time": Waiting usually means higher rates and potential health changes.
3️⃣ Forgetting to update beneficiaries: Always keep your policy details current after major life events.

Want a free coverage review to make sure your plan is on track? Send "INFO" to our inbox today!

09/29/2026

Bought a home recently? Make sure your mortgage is protected! 🏠💙

Mortgage protection life insurance ensures that if something happens to you, your policy pays off the remaining balance on your home so your family can stay put without worrying about monthly payments.

1️⃣ Pays off or reduces your mortgage balance
2️⃣ Prevents forced moves or foreclosure
3️⃣ Fixed monthly rates locked in for your term

Want to see how much mortgage protection coverage costs for your home? Send "INFO" to our inbox today!

09/24/2026

Can your life insurance company raise your rates out of nowhere? Here is what you need to know: 💙

With a Level Term Policy, your monthly payment is guaranteed to stay the exact same for the entire duration of your term—10, 20, or 30 years.

1️⃣ No surprise rate hikes
2️⃣ No reduction in coverage amount
3️⃣ Fixed budgeting for peace of mind

Want to lock in a fixed rate for your family today? Send "INFO" to our inbox and let's find the right plan for you!