TRANSITIONING? WE ARE YOUR INSURANCE RESOURCE
If It Is Time to ETS or RETIRE – It Is Time to Ask Questions
- Pros and Cons of VGLI
- Term -VS- Permanent
- Cost and Other Underwriting Factors
- When to Apply
- Protection For You and Your Spouse
6 – 12 MONTH MEDICAL (HEALTH INSURANCE) & DENTAL
- Flexible Coverage Periods, for individuals and families
- Immediate Protection, Coverage as soon as Next Day
- Doctor, Urgent Care, Emergency Room, Hospital and more
- Access to AETNA Open Choice PPO Network. More than 690,000 Primary Care Doctors
- Lump-sum Cash Payment to you Upon a Diagnosis of a Covered Critical Illness Condition. I.E. Cancer, Heart Attack, Stroke, Alzheimer’s Disease.
- Provides Cash Benefits Directly to You. Cover Lost Wages from Work, Mortgage or Rent, Additional Healthcare Cost, Childcare etc.
- Coverage For You and Your Spouse. Policies Starting at $20 Per Month. *Underwriting Applies
SCHEDULE YOUR NO OBLIGATION 15 MINUTE CONSULT WITH OUR VETERAN TRANSITION EXPERT TODAY.
After a decade in the insurance space I founded Fortis Life Group to help transitioning service members and their families. This insurance stuff can be complicated, and we’re really good at what we do. We love to help.
~David Johnson, U.S. Army Veteran
THIS IS WHERE WE SHOW OFF SOME LIFE INSURANCE KNOWLEDGE
Term VS Permanent
- There are two main types of life insurance
- One expires. One lasts forever (think of renting a home VS buying). Both have value for different reasons
- It’s possible to have term now, then convert it to permanent later in life
- Certain permanent policies may build a cash value you can access later in life
How Does it Work / What It Means to Me
- Life insurance companies have decades worth of data and what is called mortality tables
- These tables predict the probability of death based on factors like age, gender and more
- You go through underwriting and are placed in a risk class — you might of heard terms like Preferred, Non-Preferred, Standard etc
- Long story, less long you are then presented with a rate (AKA a premium)
Riders on a Life Insurance Policy
- Think of riders as icing on the cake. The Life Insurance Policy is the core and riders are additional benefits
- Example: A Return of Premium Rider means; If you don’t use your policy, when it expires, you get all your premium back. It’s a win-win
- Living Benefits. This can be money to you if you experience a critical illness such as; a stroke, heart attack, cancer AND don’t die.
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