Val Parziale- Comparion Insurance Agent

Val Parziale- Comparion Insurance Agent Hello! I'm Val, a dedicated local licensed insurance agent helping to protect you & your loved ones.

05/29/2026

Why life insurance is not something you should wait on..

I have a lot of clients who say they don't need their own personal life insurance policy. Here's the common "no's' I hear-

- I have it through work
- I am young, I don't need it yet
- Isn't it expensive?
- I'm single, why would I need it?

I've learned in my experience as an insurance agent that it is my responsibility to teach people on why you need life insurance. I didn't grow up in a financial literate household so no one ever had these conversations with me. I want to give my clients the education that they might not have received, like me.

As an insurance agent, it's my job to protect your entire household and that 100% includes life insurance.

Here's my reasons to all those "no's"

- life insurance through your employer is typically just one year's salary, if you were to pass away tomorrow, would that one check cover your mortgage, your debts, and any future finances you planned on paying (i.e. college tuition). Also, this means you have to work and hold this job until you die in order for your family to benefit. What if you change jobs? Open your own business? Or retire? Then you no longer have life insurance and you're now "x" amount of years older shopping for life insurance, and the premium will be way more expensive.

- younger means lower premium. That's actually the BEST time to purchase life insurance. Life insurance is a policy that you lock in the rate when you take it out. It's not going to go up annually like your home and auto may. Young also typically means you're healthier. One prescription, one diagnosis could make you ineligible for life insurance. Please get it now while you can and lock in that low premium. Having to share with a client that they've been denied is one of the most difficult things. Please don't let this be you.

- it is actually more affordable than you think! And also, you can start small- get approved and then when your budget grows, you can get more life insurance. This most important thing is taking it out when you CAN get approved. Life insurance isn't a one and done type of policy. Life changes, expenses change, needs change. When you work with an agent who has your best interest at heart, we keep the conversation going.

- life insurance can also benefit YOU, while you're alive!! Say what?? Yes! With the right policy, you can grow cash value, have riders on there that can pay YOU directly if you become chronically ill and can no longer work.

Remember this, some life insurance is ALWAYS better than none.

Questions? Let's have a conversation, it all starts there đź’–

[email protected]

Licensed in ME, NH, and MI

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Today and every day we honor those who have sacrificed for our freedom.

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We spend so much time planning for the fun parts of life — vacations, holidays, finding the perfect home, growing your business— but not enough people take time to plan for protecting their family if the unexpected happens.

Having a personal life insurance policy can offer the most important financial protection for your loved ones if the worst were to happen.

Of course it's a difficult thing to think about, but if you own a home, have children who depend on you, or are self-employed, talking about life insurance is one of the most important conversations to have. So many families depend on one another way more than they realize. And without a life insurance policy in place, your family is left to pick up the pieces on their own.

Life insurance helps protect your family, your home, and everything you’ve worked hard for. And your beneficiary receives it tax free, without going through any probate.

Even if you have coverage through work, it’s paramount to have your own policy too. Jobs change, companies change, your health can change, but once you lock in your life insurance, it's yours to keep regardless of any unexpected changes.

And such a crucial thing to remember: the younger and healthier you are, the lower your rate usually is — and once you have it, that rate is locked in. A lot of people put it off thinking they can always get it later, but health issues come up unexpectedly and people do get denied. And I promise you, they all wish they had just done it sooner.

Having a good insurance agent to talk things through with can make a huge difference. I will walk you through all of your options and help you find something that actually fits your life and budget ❤️

If you read this and are questioning if you have the right coverages in place, it's time to have a conversation.

Licensed in ME, NH, and MI

Reach out today đź’Ś
[email protected]

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When was the last time you did a review of your insurance policies?My name is Val Parziale and I am a local insurance ag...
04/19/2026

When was the last time you did a review of your insurance policies?

My name is Val Parziale and I am a local insurance agent with Comparion Insurance Agency. This means I have multiple carrier options to shop for you when we do a review of your policies!

Lately I've seen this come up with multiple families-

Great coverage on their home policy but their auto insurance shows major gaps in coverage.

What do I mean by this?

Most people's home insurance have coverage for liability set to $500,000 but their auto no where near this same limit. Why does this matter?

If you (or your teen/young adult driver) were to be in an accident (whether they're at fault or not) and you were to be sued, your home, income, and your assets could be on the line.

That's why it is so important to have your home & auto liability limits set the same. You also may even need an umbrella policy- which is an additional policy that covers even greater liability protection for your home/auto (or any other underlying policies like a boat or motorcycle, or even a landlord policy)

General rule of thumb- if your home or your assets are valued higher than $500,000- you need an umbrella policy.

If you read this and are questioning if you have the right coverages in place, I'd love to have a conversation!

Licensed in ME, NH, and MI

Reach out today đź’Ś
[email protected]

Address

180 Waterman Drive Suite 2b
South Portland, ME
04106

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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