Cave & Cheney

New Year Resolutions

Melanie — Mon, 07 Jan 2013 16:20:39 +0000

The holidays have passed and we all are getting back to the normal pace of our daily lives; now might be the time to consider reviewing your life insurance needs. The insurance industry is constantly changing and we can inform you of the latest guideline changes and options. Call us now @ 800-774-1084 for a quote with all the top-rated carriers!

Happy Veteran’s Day from C & C!

Melanie — Mon, 12 Nov 2012 15:41:33 +0000

Increasing Rates And Industry Changes

Melanie — Thu, 16 Aug 2012 15:30:39 +0000

We have seen a trend since June 2012 with some carriers increasing rates from an average of 3% to 9%. If you have ever considered evaluating your life insurance needs now is the time. Lower premiums could be the trend of the past even though mortality tables are more favorable. The recent economic situation very well may have played an important role in determining these changes. Call us now to see what is available on the market.

Smokers Life Insurance Guide

Melanie — Wed, 18 Apr 2012 21:29:05 +0000

Follow this article on helpful information pertaining to smoking and life insurance rates.

http://money.msn.com/saving-money-tips/post.aspx?post=9e687f59-fec7-4b58-b36d-2a69e86dc0a2

Life Insurance May Be Untapped Resource

Melanie — Mon, 23 Jan 2012 18:57:47 +0000

Check out this article:
http://insurancenewsnet.com/article.aspx?id=322420&type=breakingnews

Breaking News

Melanie — Mon, 23 Jan 2012 18:53:59 +0000

http://insurancenewsnet.com/article.aspx?id=322420&type=breakingnews

Buying Life Insurance In Today’s Economy

Melanie — Wed, 28 Sep 2011 19:14:35 +0000

There are a few things to keep in mind when considering purchasing new life insurance during this difficult economy.

What premium can I afford if I lose my job or main source of income?
How much life insurance do I need in order to cover basic family needs when I am gone?
Will my family stay afloat financially with the amount that I currently have inforce until there is no longer a need for insurance?

If you need assistance in determining your life insurance needs or have any basic questions please do not hesitate to contact us.

Key things to know when purchasing term life insurance

Melanie — Wed, 01 Jun 2011 21:20:40 +0000

1. Purchase enough coverage to fulfill your family’s needs. Whether it is to cover children through college or until your retirement income kicks in.
2. Monthly rates are available to help purchase coverage during our current economic times.

3.Tell the truth so you can obtain an accurate quote.
4. Shop with multiple carriers and know which one best suits your personal criteria.
5. Locking into a level guaranteed rate allows you to bypass future unknown health changes.

Helpful hints regarding life insurance medical exams

Melanie — Wed, 23 Mar 2011 20:45:43 +0000

If you’re shopping for coverage, you’ll be subjected to health tests also known as mini-physicals. Here’s what insurers are looking for and how they’ll find it. Please click on the following link for more information and a helpful article from MSN Money. http://articles.moneycentral.msn.com/Insurance/InsureYourLife/TheLowdownOnLifeInsuranceMedicalExams.aspx?page=1

How attentive is your agent?

Melanie — Wed, 29 Sep 2010 20:38:53 +0000

Lately we’ve received a lot of feedback from prospective clients that have existing policies, yet have not heard from their original agents in years. Some have even reached the end of their guaranteed level premium terms, and been allowed to pay increased premiums without being told of the options in their policies to lock in level premiums for life. This all made us wonder, how many agents really do follow up with their clients after a few years? Or do most just take the initial commission and move on?

Cave & Cheney agents call upon our clients every couple of years to update them on policy options, industry changes and to check on their needs. We feel obligated to do this, both as a fiduciary duty and out of loyalty to our clients. We continue to service our clients even after the sale, and that sets us apart.