Barb Fields, Life Insurance Broker

Barb Fields, Life Insurance Broker Do you have life insurance? Do you know what kind it is? Have you ever been turned down? I am licensed & have access to over 60 companies. Let me help you.

I help people every day with their final expense needs - that last love letter to your family.

05/11/2025

I have people tell me all the time that they do t need life insurance. My answer?

“That might be true right now, but life insurance isn’t really for you—it’s for the people you care about. If anyone depends on you financially, or if you’d want to cover final expenses or leave a legacy, life insurance can make a big difference. It’s about planning ahead so your loved ones aren’t left struggling later.”

04/15/2025

If you think you don’t need final expense life insurance, think again.

Have you ever wondered why you need final expense life insurance? It’s a little long but here are some great reasons: •...
03/01/2025

Have you ever wondered why you need final expense life insurance? It’s a little long but here are some great reasons:

• Lifelong Coverage – Provides coverage for your entire life as long as premiums are paid.

• Guaranteed Death Benefit – Ensures a tax-free payout to beneficiaries upon the policyholder’s death.

• Cash Value Accumulation – Builds cash value over time that can be borrowed against or withdrawn.

• Stable Premiums – Fixed premiums that do not increase with age.

• Dividend Potential – Some policies may pay dividends, which can be reinvested, used to pay premiums, or taken as cash.

• Estate Planning Benefits – Helps cover estate taxes and provides financial security for heirs.

• Creditor Protection – In some states, whole life policies may be protected from creditors.

• Tax Advantages – Cash value growth is tax-deferred, and death benefits are typically tax-free for beneficiaries.

• Forced Savings – Encourages disciplined financial planning through regular premium payments.

Are you getting ready to retire? Have you just retired? If so, please check the life insurance that you have. Odds ar...
01/17/2025

Are you getting ready to retire? Have you just retired? If so, please check the life insurance that you have. Odds are it is term life. Here are some basic facts about term life insurance:

1. No cash Value
2. Temporary coverage - term means is only for a term of time. 10yrs, 20yrs?
3. Premiums increase with age.
4. If you outlive the term, there is no payout.
5. Not ideal for long-term needs.

If you are not sure what you have, I will be happy to review your policy(s) at no cost to you. I am a licensed life insurance specialist working through North American Senior Benefits and am happy to do free evaluations.

Remember, I work for you; not an insurance company.

11/26/2024

What a great day today. I was able to help a gentleman that had been sold two policies 6 month apart - both sold as non-smoking rates if he quit within 2 years. This was not fully explained to him what would happen if he continued to smoke. When I reviewed the policies, he was still paying the same rates but his face values had been cut in half. He was shocked. I was able to get him more face value whole life (with accidental death policy included) with only an $8 increase in premium. He was so happy and I was delighted that I could help him. Love being able to represent the client and not an insurance company. I would be happy to review your policies to see how I might be able to help you.

Happy Thanksgiving! 🦃🥧

09/20/2024

Did you know that this is Life Insurance Awareness Month? Don’t be like this lady!! If you don’t have life insurance to cover your final expenses, please consider it. It will cover your final expenses so you’re family will not have to do a Go Fund Me to pay for your funeral. Too expensive, been turned down because of age and/or pre-existing conditions? I can help you find that affordable cover. Please message me for more information.

09/04/2024

Today is EAT AN EXTRA DESSERT DAY! What is your favorite dessert?

04/25/2024

Some things you may or may not be aware of with Term Life Insurance:

Term life insurance offers several advantages:

1. **Affordability**: Term life insurance tends to be more affordable than permanent life insurance policies like whole life or universal life.

2. **Flexibility**: It allows you to choose the length of coverage (term) that fits your needs, such as 10, 20, or 30 years.

3. **Simple**: It's straightforward and easy to understand, typically covering you for a specific period without complex investment components.

4. **Customizable**: You can often add riders for additional coverage, such as accidental death or disability riders.

However, there are some disadvantages:

1. **Temporary Coverage**: Once the term ends, so does the coverage. If you still need insurance, you may have to reapply, which could be expensive if your health has declined.

2. **No Cash Value**: Unlike permanent life insurance, term policies generally don't build cash value over time.

3. **Price Increases**: Renewing or extending the policy after the initial term can be costly, especially as you age and your risk of health issues increases.

4. **Outliving the Term**: If you outlive the term without converting to a permanent policy or renewing, you won't receive any benefits.

04/23/2024

Life insurance is important for women for several reasons:

1. **Financial Protection**: Women often contribute significantly to their families' financial well-being, whether as breadwinners, caregivers, or both. Life insurance provides financial protection to their loved ones in the event of their death, ensuring that dependents can maintain their standard of living.

2. **Income Replacement**: If a woman is a primary earner in her family, life insurance can replace her income if she passes away, helping to cover expenses such as mortgage payments, childcare, and education costs.

3. **Debt Coverage**: Life insurance can help cover any outstanding debts, such as mortgages, student loans, or credit card debt, preventing financial burdens from falling on surviving family members.

4. **Childcare and Education Costs**: Life insurance proceeds can be used to cover childcare expenses or to fund children's education, ensuring that they have access to quality care and educational opportunities.

5. **Funeral Expenses**: Life insurance can help cover funeral and burial expenses, relieving the financial burden on grieving family members.

Overall, life insurance provides peace of mind and financial security for women and their families, ensuring that they are protected financially no matter what happens.

04/21/2024

Here are five common reasons people might hesitate to buy life insurance:

1. **Cost Concerns**: Worries about affordability can deter people from purchasing life insurance.

2. **Procrastination**: Some delay getting life insurance, thinking they have time, or underestimate its urgency.

3. **Health Factors**: Individuals with pre-existing health conditions may fear high premiums or difficulty obtaining coverage.

4. **Misconceptions**: Lack of understanding about the benefits or complexities of life insurance can lead to hesitation.

5. **Optimism Bias**: People might believe that unfortunate events won't happen to them or that they have other financial priorities.

Do any of these ring a bell? I can help.

04/20/2024

I have people tell me all the time that they don’t need life insurance. Really? This will explain why it is important. Please let me know if you have any questions or if I can help.

"Life insurance isn't just about protecting yourself; it's about safeguarding the ones you love. Let's tackle those hesitations head-on:

1. **Affordability**: Life insurance doesn't have to break the bank. With various options available, there's a plan to fit every budget.

2. **Urgency**: Tomorrow isn't guaranteed. By securing life insurance now, you provide immediate peace of mind and long-term security for your family.

3. **Health Coverage**: Even with health concerns, there are policies tailored to fit your needs. Plus, the younger and healthier you are, the lower your premiums can be.

4. **Understanding**: Let's simplify the process. I'm here to answer any questions and guide you through every step, ensuring you understand the benefits and coverage options.

5. **Priorities**: Your family's financial security should be a top priority. Life insurance isn't just about the 'what-ifs'; it's about being proactive and responsible, ensuring your loved ones are taken care of no matter what.

Don't let hesitation hold you back. Let's talk about how life insurance can provide the security and peace of mind your family deserves."

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Raleigh, NC

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