Jeff Smith is the President of Castaline Life Insurance Agency. As a husband and father of 4, he knows the peace of mind that having life insurance can bring.
Life insurance is a simple concept. Term Life Insurance especially. You pay the insurance company a monthly premium and in return, they promise to pay a lump sum to your beneficiary when you die. Simple. But like most things, life insurance didn’t stay simple for long. Term life insurance policies are now flooded with options.…Read More
Getting a life insurance policy is one of the essential components of sound financial planning, but the surprising thing is that only a handful of people have acquired this policy. But why is it important? Why should you consider purchasing a life insurance policy? Well, the bare truth is that no one really knows what…Read More
Life insurance is for when you die, right? The deal is that you pay your premiums every month and if, God forbid, you were to pass away, your loved ones would receive a payout. It’s a good deal. But what if something tragic happens and you don’t die? What if you still have 12 months…Read More
Funeral services, burial plots, end of life care, and even time off work for grieving loved ones. These are all expenses that you will leave behind. But don’t worry, Final Expense Life Insurance can help. Have you thought about who will pay for your final expenses when you die? Sadly, a growing number of people…Read More
In 2021, a healthy 40 year old male can still get a 20 year million dollar life insurance policy for just $50/month. Does that surprise you? Most people over-estimate the cost of life insurance. You can find out how much a million dollar life insurance policy would cost you using the calculator above. Is a…Read More
Have you heard of Return of Premium life insurance? It sounds too good to be true. The idea is that if you were to die while your term life insurance is still in force, your beneficiaries would receive the death benefit. But if you outlive your term life insurance, the insurance company will refund to…Read More
You’ve been paying your life insurance premiums for 10, 20, maybe even 30 years and now out of nowhere, your premiums have gone up. Way up. What the heck happened? Are you a victim of a bait and switch? Is all that money paid out just gone now? Do you pay the increased amount, go…Read More
What is Guaranteed Issue Life Insurance? Guaranteed Issue Life Insurance, just as it sounds, is life insurance that is guaranteed to be issued. Regardless of your health, you can’t be turned down or declined by the life insurance company. Guaranteed Issue Life Insurance is guaranteed whole life insurance. That means the payments won’t ever increase,…Read More
During the benefits presentation from your HR department, it’s tempting to opt in to life insurance at work. It may seem like a cheap and easy way to cross life insurance off your to-do list. But not so fast! Don’t let the convenience of open enrollment tempt you into making a devastating financial mistake. First,…Read More
You know you should get life insurance but who wants to be poked and prodded by a medical examiner? Life insurance is one of the few things you’ll ever buy where you’ll receive physical discomfort and even pain, just for the privilege of making a purchase. Thankfully, there is now a way to get life…Read More