prop7335 October 7, 2015 No Comments

Life Insurance and Baby Boomers

How Healthy Is Your Life Insurance?

If you’re a Baby Boomer when was the last time you reviewed your life insurance policy?

Baby boomers are those that were born between 1946 and 1964. Currently, approximately 20% of the United States are a member of the baby boomer generation. Baby boomers are living longer and staying in the work force longer then generations before them. Gulf Coast Educators Insurance recommends that baby boomers take a look at their life insurance policy and see if it still meets their needs.

Life insurance is important to have since it can help lift a financial burden off of family members when a person dies. Baby boomers have usually accumulated a home, money, jewelry, stocks/bonds, real estate, artwork or real estate that will be passed down to family or friends. If there is a great deal of wealth then family members could face an estate tax and/or inheritance tax. A life insurance policy can help family members pay those taxes.

Baby boomers might also have debt that will be passed down to family members. A life insurance policy can ease the financial burden of debt. Credit card bills, car payments, and funeral costs will all need to be paid after a person’s death. A life insurance policy provides funding to cover these expenses.

Gulf Coast Educators Insurance offers an array of life insurance products. There are many different options of life insurance available including:

•Term insurance
•Whole life insurance
•Universal life insurance

Life insurance needs might change. A life insurance review is recommended by Gulf Coast Educators Insurance to see if your current policy is still meeting your needs. We have three southwest Florida insurance office locations available to help with your life insurance needs. To speak with an insurance agent at our Naples office, please call 239-591-0963. For an appointment with an agent at our Port Charlotte office, please call 941-391-5423. To reach an agent at the Fort Myers office, call 239-997-0420. Our experienced insurance agents are available at all three of our locations to help you decide which type of life insurance products best fits your needs. Please give us a call today!

prop7335 September 23, 2015 No Comments

Looking For The Best Life Insurance?

Affordable Policies In Naples, Port Charlotte and Ft. Myers

Which To Choose?

Term life or whole life insurance?

A life insurance policy offers protection for family members or a spouse as well as being able to provide financial coverage for funeral costs, cover bills, and pay off debt. Gulf Coast Educators Insurance offers a variety of life insurance products. The two most common policies are term life insurance and whole life insurance.

More about Term and Whole Insurance:

Term life insurance is a policy that covers a person for an allotted time period. The rate of payment is fixed for the term of the policy. After the policy expires, then a person loses coverage or has to obtain a new life insurance policy that will have different payments and conditions. Term insurance is the most affordable type of life insurance because it only lasts for a fixed period of time. If the person insured dies during the policy term then the beneficiary receives the death benefits.

Whole life insurance is a insurance policy that remains in force during the insured’s entire life. This policy offers lifetime protection. Premiums are required every year during the insured’s lifetime. A whole insurance policy doesn’t have to be expensive.

Life insurance can help a family pay off debt, keep the family in the black, and pay for funeral costs. Gulf Coast Educators Insurance suggests having a life insurance policy to ease financial burdens that can occur due to an untimely death. Even single people should consider carrying a policy so in the event of their death, their family can use the life insurance payout to cover funeral costs, medical bills, and pay off the insured’s debt obligations.

The best time to purchase life insurance is when you are young and healthy so you will pay a lower rate. Purchasing life insurance at any age is a good idea so don’t feel because you didn’t buy a policy earlier you should not consider it now. At any age we recommend considering life insurance. Our caring and compassionate agents at Gulf Coast Educators Insurance are available to guide you through the various life insurance policy choices and customize a policy to your needs. Please call any of our three life insurance offices to speak with our experienced agents. To contact our Naples office, please call 239-591-0963. To speak with an agent at our Port Charlotte office, please call 941-391-5423. Our Fort Myers insurance agents can be reached at 239-997-0420. We invite you to call today!

Life Fit For A King!

Do You Have The Best Life Insurance?

Recent news brought us the story of the death of a Blues legend, B.B. King. Mr. King reigned as the king of the blues for more than half a century. His death is a loss but he leaves behind a legacy of music for his family, friends, and fans. Most people will not leave such a legacy behind but they can make sure to protect their family by having a life insurance policy. Gulf Coast Educators Insurance offers a variety of life insurance products.

A life insurance policy helps provide for family that you leave behind when you die. Even a person who is single should consider having a life insurance policy. The policy can pay for funeral costs as well as helping the family pay off any bills that you leave behind. Those that have a spouse, family, or anyone that relies on their income, definitely needs to have a life insurance policy.
Gulf Coast Educators Insurance offers several options for a life insurance policy. These options include:
• Buy-Sell Agreement for business owners
• Term Insurance
• Whole Life Insurance
• Universal Life Insurance
• Key Person Insurance
Our knowledgeable and experienced insurance agents are available to help you choose the best life insurance policy for your needs. Our agents can explain all aspects of the policies and help you personalize a policy to best meet you and your family’s needs. Gulf Coast Educators Insurance advises you to consider life insurance while you are healthy. The costs are lower when you are younger and healthy. Of course, if you are older and have some medical conditions, it is still advisable to consider getting a life insurance policy.

Gulf Coast Educators Insurance is the leading agency for insurance and financial services in Southwest Florida. We have three locations located in Naples, Port Charlotte, and Fort Myers. To schedule an appointment to discuss life insurance with our Naples insurance agents, please call 239-591-0963. You can reach our Port Charlotte insurance agents at 941-391-5423. To set up an appointment at our Fort Myers office, please call 239-997-0420. Our agents are waiting to help you secure the perfect life insurance policy for you and your family. Please call us today!

A Physical For Your Life Insurance Policy

Our last blog post discussed getting healthy so you can possibly lower your life insurance premiums. This post we would like to address the aspect of getting a physical for your life insurance policy. A former senior health care advisor to President Obama, Ezekiel J. Emanuel, has recently stated to The New York Times that people should just skip their annual physical. While this is an interesting perspective, skipping a physical is usually not an option for a person looking to obtain a life insurance policy.

Gulf Coast Educators Insurance offers a variety of life insurance products to residents in the Southwest Florida area. Gulf Coast Educators Insurance encourages consumers to consider purchasing life insurance in order to provide for a spouse, family, or others who rely on your income for survival. A life insurance policy can also help provide funds for medical emergencies, legal aid, and funeral costs.

Being in perfect health is not needed in order to obtain a life insurance policy. In most cases, an exam is needed to obtain your life insurance policy. However, you don’t even need to leave your home or office for your life insurance exam. A qualified person will come to you to conduct the exam. A typical exam consists of:
• Providing a detailed medical history
• Your height and weight
• Your blood pressure and pulse
• A blood sample
• A urine sample

If you are interested in obtaining a high level of insurance or are older, other tests such as an EKG or treadmill stress test might be required. The results of the tests are used to determine whether you are a candidate for life insurance and what the premium of your life insurance policy will cost.

Gulf Coast Educators Insurance encourages everyone to follow healthy habits. Losing weight, stop smoking, and exercise all help keep you in good shape. These habits might help you obtain the best life insurance policy with the best premiums.

We offer several options when considering a life insurance policy. These options include:
• Term Insurance
• Whole Life Insurance
• Universal Life Insurance
• Key Person Insurance
• Buy-Sell Agreement for business owners

Our experienced and knowledgeable insurance agents are ready to help you determine which type of life insurance is best for you and your family. We will guide you step by step in creating the best insurance policy for you. Please contact our Naples office at 239-591-0963. You can reach our Port Charlotte office at 941-391-5423. Our Ft. Myers insurance agents are available at 239-997-0420. We look forward to working with you!

Life Insurance – Make It A Healthy Year!

Happy New Year! Now How’s Your Health?

A Leaner You May Cost You Less in A Life Insurance Policy

A new year brings New Year’s resolutions. Many people resolve to get healthier, eat better, and exercise more. Gulf Coast Educators Insurance offers some tips to help you achieve your goals:
• If you smoke, quit!
• If you are overweight, consider trying to lose 10% of your body weight
• Try new recipes, have meatless Monday, substitute high fat ingredients for low fat options
• Drink more water
• Sneak exercise into your day

Smoking is a major detriment to your health. It can cause cancer, heart disease, stroke, and other lung diseases. On average, smokers dies 13 to 14 years earlier than non-smokers. Quitting is the best thing that you can do for your health. The Mayo Clinic offers ways to resist smoking. These tips are:
• Try nicotine replacement therapy
• Avoid triggers
• Delay yourself from having a cigarette. During that time, distract yourself with something else.
• Chew on something such as gum or hard candy
• Don’t have “just one”
• Reduce stress through meditation, deep breathing, yoga, etc.
• Get up and exercise
• Ask for help from family, friends, or a support group

While smoking is bad for your health, so is being overweight. The extra weight you are carrying can cause type 2 diabetes, heart disease, and high blood pressure. The weight also puts more stress on your body. There are many different types of diets and diet plans out there but the only way to really lose weight is to change your eating habits. Decrease the calories going into your body and increase the calories leaving your body through exercise. Other tips include eating more fruits and vegetables, eating whole grains instead of unrefined grains, and enjoying lean protein such as seafood and beans. Of course, drink water as much as possible. Fruit juices and soda are just ways of adding extra calories to your day.

Exercise can help you lose weight, improve your mood, boost your energy, and help you sleep better. Exercise need not be boring or done at a gym. Chasing your toddler around the park, cleaning the house, shooting hoops with your son, all of these are forms of exercise. The best way to exercise is to find something that you enjoy and go have fun. You can also sneak exercise into your day. Try parking further away from a store, use the stairs instead of the elevator, take a mini-break at work and do some stretching. All of these things will help you feel better.

Gulf Coast Educators Insurance wants you to be healthy and enjoy the New Year. Being healthy can help lower your life insurance rates along with leading to a happier and longer life. We recommend you consider purchasing a life insurance policy but know that your overall health can affect your rates. Our experienced and seasoned agents are happy to tailor a life insurance policy to your lifestyle. Please give us a call to get started. For our Naples office, please call 239-591-0963. To reach our Port Charlotte branch, please call 941-391-5423. To speak with an agent at our Ft. Myers office, please call 239-997-0420. We look forward to helping you. Best wishes for a healthy 2015!

Life Insurance

Whether you’re an empty-nester or a new parent have you considered a life insurance policy?

Whether you have a desk job or a job in the Florida heat, the value of a life insurance policy can be invaluable to your family should you have an untimely death. There are several type of policies to consider based on your goals including:

1) Term life insurance – provides coverage for a specified period of time

2) Cash value term life insurance – this type of policy builds cash value

3) Whole life insurance – this type of policy offers life long protection

Depending on your financial picture you may elect one plan over another. Some couples will purchase a term life insurance plan that will mature when they reach a certain age while others will maintain their policy for their lifetime. There is no right or wrong answer for which type of plan is the best.

A life insurance policy can pay for outstanding expenses such as credit card debt, car loans, mortgage and funeral expenses. A life insurance policy takes the financial burden off your loved ones. For more information and for help in deciding the best type of policy for you and your spouse please call any one of our three insurance agency’s in Naples, Ft. Myers and Port Charlotte. We would be happy to discuss the life insurance options and review the benefits of each.