James M. Lutz Life Insurance

08/15/2025

True but 1st you’d have to qualify and that’s what I’m here for. Licensed in several states and I’m contracted with some of the biggest carriers out there. Reach out anytime!

08/13/2025

I can help you protect your family!

08/13/2025

It serves as a retirement savings and a death benefit for your family. It only costs what you want to contribute. Let me know if I can help!!

08/13/2025

Tell me why you don’t have life insurance! What’s holding you back from protecting your families future without you?

Call now to connect with business.

07/23/2025

Protect your family. Tragedy can happen at anytime. I’m here to help!

07/23/2025

What is keeping you from having life insurance and protecting your family? Comments welcome!

07/23/2025

Contact me to set appointment

07/23/2025

📉 LIFE INSURANCE & HEALTH: THE OLDER YOU GET, THE HARDER IT CAN BE TO QUALIFY

🧍‍♂️ AGE 25–35:
✅ Healthy
✅ Low premiums
✅ Easy approval
🩺 Minor health issues are usually not a big deal

🧍‍♂️ AGE 36–50:
⚠️ Common health issues begin:
• High blood pressure
• High cholesterol
• Weight gain
• Anxiety or mild depression
💰 Rates go up — approvals may require medical exams

🧍‍♂️ AGE 51–65:
🚨 Serious conditions more likely:
• Diabetes
• Heart disease
• Sleep apnea
• Cancer history
🔒 Harder to get traditional coverage — limited options
📈 Premiums significantly higher

🧍‍♂️ AGE 66+:
🔒 Coverage options narrow drastically
💉 Medical exams often required
📄 Guaranteed issue or final expense policies may be only option — much higher cost per $1,000 of coverage

⸻

🎯 TAKEAWAY:
✅ The best time to get life insurance is when you’re young and healthy.
⏳ Waiting until health issues appear can mean:
❌ Higher costs
❌ Denials
❌ Limited policy options

07/12/2025

This speaks volumes to me.

07/10/2025

Reach out to me to set appointment!!

07/08/2025

Extension of the IUL post