(205) 578-2097 sam@afslife.com
HOW UNDERWRITING AFFECTS YOUR TERM LIFE INSURANCE

HOW UNDERWRITING AFFECTS YOUR TERM LIFE INSURANCE

Because not all life insurance companies are the same. One of the misconceptions that I deal from time to time deals with life insurance companies and  underwriting. All too often people assume that life insurance companies are all alike. I had a recent client mention...
CONFUSED ABOUT TERM LIFE INSURANCE?

CONFUSED ABOUT TERM LIFE INSURANCE?

BE HONEST, IF YOU’RE CONFUSED AS OTHERS ON YOUR LIFE INSURANCE OPTIONS — YOU’RE IN THE RIGHT PLACE!I have a confession to make. I assume way too much when I talk with people about their life insurance. I’m immersed in insurance every day — rates, carriers,...
Don’t Be An Ostrich

Don’t Be An Ostrich

I doubt that ostriches truly stick their head in the sand as a defense mechanism but I find the statistic all too true.  There are many people who will not sit down with me because invariably the life insurance discussion will involve death. I find though that...
8 Things You Absolutely Must Know About Life Insurance

8 Things You Absolutely Must Know About Life Insurance

I’m the first to admit that insurance companies and agents alike, in an attempt to provide numerous choices and options to simplify the life insurance buying process, have more often than not complicated life insurance. Its human nature really — if you put me in...
This Week’s, SPIKING THE BALL

This Week’s, SPIKING THE BALL

I’m starting a new series that I’d like to call, “spiking the ball.” Each week, I’d like to cover some notable cases and clear wins. This week’s big win was Robert, age 48. I met Robert at O’Henry’s in Homewood. He had just left his insurance agent’s office and...
Wait, How Much Life Insurance Do I Need?

Wait, How Much Life Insurance Do I Need?

I saw this question today on US News and wanted to share. How would you feel if your employer paid you for all your years of service up front—as in 30+ years of service, up front? It’d be life changing wouldn’t it? Now how would you feel if that...