Would Your Family Lose Everything?
Is your family financially prepared to deal with the loss of your income, or the loss of your partner’s income?
What about having to pay outside help if the stay-at-home parent were no longer able to provide the cooking, cleaning, daycare, errand-running and general household management?
Hall Benefits can help you provide financial security through insurable means, to give you peace of mind knowing that if you or your spouse become critically, chronically, or terminally ill, or should pass away, the financial needs of your loved ones will be met.
We understand that talking about life insurance and asking the tough questions is not easy to do, but we can often do this in an easy 20-minute phone conversation and get you the options best suited to your needs for you to choose from.
Because Hall Benefits is independent, we are able to offer the best of the life insurance policies available on the market. We are not held to specific, name brand policies which can sometimes be quite limiting and overpriced for what they offer.
Don’t let an uncomfortable conversation hold you back from one of the most important decisions you can make for yourself and your family.
Don't Settle For Life Insurance from a "Bot"
Get The Insurance You Need – Today and Into the Future!
Do you have a financial safety net set aside for “someday in the future” if something should happen?
What happens if you get sick and can’t work?
How do the bills get paid?
You will want to be at home instead of some care center, or worse.
How are you going to make sure that happens?
Do you really want to spend your final days/weeks/months away from home?
Or would you rather have the finances available to you to be home with your family and loved ones? Without the nagging worry of finances and who will be paying the bills, you can all spend this time together doing what you can without the additional stress of figuring out how to pay for it all.
If you have the right kind of rider on your life insurance policy, this is as easy as calling your agent. They can help you navigate the paperwork and get things taken care of to have access to your life insurance benefits when you need them most.
Don’t just hope that things will all turn out good for you. There are too many state-run care centers with 3 and 4 people in a room for a reason. People failed to plan for the “what if” with the right life insurance. You don’t have to be one of them.
Do You REALLY Know How Much Life Insurance You Need?
Download the FREE Ultimate Guide to Life Insurance and get all the answers you need for your personal situation, including how much life insurance you really need.
The investment of an hour of time is worth the financial safety of your family.
How Long Would the Money Last?
Hall Benefits put a spreadsheet together that will give you the ACTUAL numbers your family needs to cover a year's worth of expenses. This gives you a fast and easy way to know how much life insurance you really need to give your family the financial security they need. Just put the numbers in and the spreadsheet does the rest.
Give yourself the gift of peace of mind - spend a few minutes and do the work to know that you've got everything right.
Could They Stay in the Home?
With the right life insurance policy, the home mortgage can be paid off. This allows your family to stay in the family home rather than adding to the stress of losing a loved one with losing their home as well.
Life insurance is a gift of love.
What Would Your Family's Future Look Like?
Give your family the gift of choice. By having a solid life insurance policy, your family will have choices in life rather than being forced to make difficult choices such as paying the mortgage or the utilities.
Chosing between a roof over your head or feeding fyour family is an impossible place to be. You can make sure that never happens.
What Happens if you Get Sick and Can't Work?
With the right kind of life insurance, if you become critically, chronically, or terminally ill and can't work you can make a withdrawal from your life insurance to cover living and other expenses.
This can alleviate enormous amounts of stress and allow you and your loved ones to spend this time doing things that are meaningful rather than trying to figure out how to pay all the bills.
How Much is Life Insurance Anyway?
On average, a family can pay more for a family cell phone package, cable tv, a basic car payment, or monthly 'dining and entertainment ' than a quality life insurance policy.
Take the guesswork out of the equation and stop assuming that life insurance is something you can't afford. Because the truth is, your family can't afford to not have that coverage.
Isn't the Life Insurance I Have Through my Job Good Enough?
In today's economy, most employers have had to make some pretty drastic changes in order to stay functional. Some of these changes have been to their "Employee Benefits". IF they are able to offer benefits are all, often they are minimum offerings to help attract employees.
One of the changes has been in life insurance which, if offered, is typically a group Term Policy with a benefit of somewhere between $25,000 and $50,000.
This kind of policy may cover final expenses and possibly a couple of months of living expenses for your family, but it won't cover much more than that.
Do You Know How Much Final Expenses Are Where You Live?
Final expenses have increased dramatically over the past several years, depending on where you live and the choices you make for your loved one.
Today, it can cost anywhere from several thousand dollars to close to $25,000 to pay for the final expenses of your loved one.
There are, however, several things you can do to ease the burden.
The first is to download Hall Benefits' FREE "Reality of Final Expenses" Workbook. This is an easy to work through document that allows you to spell out your wishes, make decisions ahead of time, fill in the information needed at the time of death, list instructions, etc., as well as, figure out the approximate cost of final expenses in your area at this time.
We at Hall Benefits know that no one like to talk about, or even think about, death. This document is another gift of love as it eases the burden of your loved ones during a time they don't want to be making these decisions.
How Can Life Insurance Fit Into My Retirement Plan?
There are life insurance policies that allow you to begin to take tax-free withdrawals after retirement in order to supplement your retirement income.
Additionally, There are policies that will allow you to receive 100% of premiums paid after a certain period of time if you decide you no longer need to carry life insurance.
Many people carry these types of life insurance policies to make sure that they have good coverage while they have a mortgage and children who are dependant, and then use this money to help fund retirement.
Our Agents Come to You!
Put your mind at ease!
Do the footwork now!
It’s FREE & we’ve made it easy for you!
Stop worrying about your family’s financial future!
We’ve Got You Covered.
Don’t Get Caught Off Guard!
You can’t buy life insurance too early – what’s more, buying the right kind of life insurance early on in adulthood is the BEST decision you can make because it locks in low premiums.
However – waiting to buy life insurance can be a huge mistake. Because, often, when your family does need it – it can be too late!
Client Are Saying
- Schedule your phone appointment
- hGather your Life Insurance Policy (if you have one)
- lWrite down all the questions you have for your Agent
- Have your phone ready at the time you scheduled your Agent to call you
- Ask all of your questions, and answer your Agent's questions
- Your Agent will send you a couple of Quotes based on your discussion and go over the information with you
- Take some time to go over the information sent to you from your Agent
- Let your Agent know what you have decided will work best for you
- iYour Agent will submit your documents and you will be notified if there is anything else you need to do
- Your Life Insurance Policy will be in force and you can put your worries at ease, knowing you have created a financial safety net for yourself and loved ones