“A Life Insurance Policy is just a time yellowed piece of paper with columns of figures and legal phrases, until it is baptized with a person’s tears.  Then it becomes  a modern miracle—Aladdin’s Lamp.  It is food, clothing, shelter, and undying affection.  It is the sincerest love letter ever written.

 It quiets the crying of a hungry baby in the night.  It eases the aching heart of the one that is left behind—a comforting whisper in the dark and silent hours.  It is new hope, fresh courage, and strength to pick up the threads and carry on.  It is a college education for the children—a chance for a career instead of a need for a job.  It is a blessing to a daughter on her wedding day.

It is the parent’s uninterrupted dream and plan for the family’s future.  Through Life Insurance they live on.  It is the premium we pay for the greatest of all privileges—the privilege of living after death”

Anonymous

Our agency is in the business of helping you to provide a “Legacy of Love” .  We offer some of the best Life Insurance Rates in the Murfreesboro, Tennessee area.  Call us for a quotation, you may be pleasantly surprised.

This was given to me in 1999 when I was the President of the Tennessee Fraternal Congress in Murfreesboro, TN.  I thought that I would share it with you.  I hope you find it interesting.

The first Life Insurance policy ever written was issued on December 15th, 1792.  It was issued by the North American and Philadelphia Life Insurance Company.  It was issued on the life of Ebenezer Harvel.  The Policy had a Death Benefit of $600.00.  Mr. Harvel died 7 months later.  The Death Benefit was paid to his beneficiary, his nephew Jebodiah Heap.  Mr. Heap spent $200.00 of the proceeds on hard liquor, $200.00 on loose women and the rest he just squandered away.

The lesson to be learned here is to take advantage of the Settlement Options contained in your Life Insurance Policy.  Settlement Options allow you to control how the money will be spent when the Insured passes away.

Just in case you have not noticed, there is a Term Life Insurance Rate war going on in Murfreesboro and all around the country.  Companies have been slashing their rates at an ever increasing rate just to get your business.  A company that I represented cut their rates three times last year but they are still not the most affordable.  Another company that I represent offers some of the most competitive rates that I have seen in a long time.  Especially if you are healthy.  Let’s face it, the best time to purchase Life Insurance is when you are young and healthy.  For example, a 30 year old female non-tobacco user can get a $250,000 20 year Guaranteed Level Term Insurance policy for less than $12.00 per month.

Term Life Insurance polocies in Murfreesboro are also available with a Return of Premium Option.  With this option, you would be able to receive a refund of all the premiums you paid into your policy at the end of a selected term period.

If you are shopping for Term Life Insurance in Murfreesboro, Tennessee, I urge you to compare rates with companies like State Farm, Allstate, Grange, Primerica, American General and others before you make a purchase decision.  Also, if you currently have a Term Insurance policy and it has been in place for servral years, it is strongly recommended that you review your coverage.  Chances are that you are paying too much for your coverage.  I have conducted several such reviews for my clients over the past few months.  I have been able to save my clients hundreds of dollars in annual premium dollars.  In one such instance, a client had a 20 year level term (nonguaranteed) policy in place for 10 years.  In spite of the fact that that client was 10 years older, I was able to lower her premiums by $20.00 per month.  What can you do with an extra $200 to $500 per year?  You certainly do not want to leave it with your Murfreesboro Term Life Insurance carrier do you?