Jeffrey Truax - Primerica

06/28/2023

When people do a Life Insurance checkup, many are comfortable with the group life insurance they have at work. They like it because it is so cheap. Why is group life insurance so cheap? The simple answer is because it rarely pays out. Do you personally know anyone who received the group life payout due to a death? It is very rare.

Most people will die after a prolonged illness. They take time from work and go on short-term disability through their employer. Eventually, they will go to long-disability. When they go on long-term disability, their employer terminates them If they die while on LTD, they will not receive the death benefit from the group policy. If they live after LTD, it is now harder to get life insurance because they will have a pre-existing condition.

In a 30 minute Zoom call, you can determine your options. Notice I say 'you can determine". The decisions are all yours without a pushy sales person. When would you like to do your financial checkup?

06/26/2023

Contact me for more information

06/20/2023

06/18/2023

People like the group life insurance offered by their employer because it is so cheap. Have you ever wondered why that is? The reason is, because it rarely pays out. We all probably know someone who collected life insurance proceeds at one time or the other. But, was it a work related group policy?

Many times death happens after an illness or injury, If they are employed, they usually go on short-term disability, then long-term disability. Once a person goes on long-term disability, they are terminated by their employer and their group policy ends. They then die without any life insurance.

If they were to survive the long-term disability, the now have a pre-condition that will make it expensive to get life insurance, if they can get it at all.

The solution? Low cost term life insurance. If you become sick, you have coverage. If you develop a pre-condition, you are covered. At renewal, there will not be any medical checkup because you are guaranteed coverage a long as the policy has not lapsed.

Feel free to consult with me to do a life insurance checkup.

06/17/2023

People will sometime say they can't afford Life Insurance. My question is, can you afford not to have life insurance? Life insurance is there to protect the income of someone who has passed away. So many people lose a loved one, so that while they are grieving, they also face the task of downsizing to meet the one income they have now.

There are 3 types of Life Insurance, Whole Life, Universal Life and Term Life. Some people like Whole and Universal Life because they build cash value. The problem for these policies are while the cash benefit rises, the death benefit lowers. Unless there is a death, the only way you can receive the cash benefit is to borrow it at usually high interest. This information will usually be in the small print in the policy.

Whole Life and Universal Life are more expensive than Term Life. Our solution is Term Life. The premiums are fixed throughout the policy. If you already have Whole Life or Universal Life, let me show you how you can save on the premium and invest the remainder in investments that will give you a better return than your current Whole Life or Universal Life policies.

06/15/2023

Are you a person who wakes up each morning, excited to go to work? Is your money running out before the month ends? If these apply to you, consider a part time job with Primerica making full time money.

06/15/2023

Feel free to contact me for more information.

06/11/2023

Come join my team!! If you like helping people with great pay, I'd like to talk to you.