Buying Life Insurance for Parents Over 60

Buying life insurance for parents over 60 isn’t difficult, but there are some things to keep in mind. First, life insurance gets a little more complicated when the owner and the insured are not the same person. The policy will require two signatures (one from you and one from your parent). Some companies that ordinarily allow phone sales don’t allow them when the owner and insured are not the same person (you have to meet the agent in person). The complications are worth it, however, because you will receive all policy notices as the owner. This means you’ll be the first to know if there are any payment disruptions.

You can also be the payor. Parents put off buying life insurance because they think its unaffordable, not because they don’t believe in it. The last thing parents want to do is leave a financial burden to their children. You being the payor solves the problem of affordability.

When selecting a plan, you need to find the right agent. Agents that only represent one company (also known as captive agents) usually sell overpriced policies. Agents that represent multiple companies are more objective. They normally just want to give you the best deal with the multiple companies they represent. Get your whole life insurance instant quote.

The Problem with Online Insurance Quotes

Nearly everyone who fills out a form to get an online insurance quote instantly regrets their decision. Online insurance quotes are a never ending stick and carrot game for consumers. The first step in the process involves consumers sacrificing all of their personal contact information for the privilege of a quote. Sometimes that information is sent to a lead vendor that shares it with 4 or more insurance agencies. The 4 or more insurance agencies immediately tear into the lead like rabid dogs, blasting the consumer with phone calls. The consumer, meanwhile, sees an unknown phone number and proceeds to ignore what appears to be an unwanted call, all the while annoyed with the constant ringing. The other extreme is also possible, where an agent is very delayed in responding or doesn’t respond at all to the quote request. Why should consumers tolerate this silly game? There has to be a better way.

Fortunately I have a solution. You can get instant life insurance quotes to fund a cremation or burial. No strings attached. No personal contact information required. No waiting for an agent to get back with you. Nobody will be blasting your phone or spamming your email. If you like the quote and you feel the need to move further along in the sales process, you can always go to our contact us page to request an appointment.

The Holidays and Life Insurance

The daily grind of life can sometimes mask the reality that our family members love us and depend on us. The holidays provide a brief respite from the daily grind, and thus an unmasking of our familial bond. When the holidays reaffirm that family members depend on us, this sometimes spurs people to buy life insurance. There is nothing wrong with emotion influencing the purchase of life insurance. Some people would put off buying life insurance indefinitely without an emotional push. Many agents stop looking for business during the holiday season (Thanksgiving through Christmas). However, this shouldn’t discourage you. We have Houston life insurance agents that make themselves available all year long.

Houston Life Insurance

If you typed “Houston life insurance” or “Texas burial insurance” in a Google search, then you’ve come to the right place. There are many options for buying life insurance, but many people settle for buying a policy over the phone. With Houston Life Insurance Plans, you can schedule an in-person meeting with an experienced agent and have a meaningful insurance conversation. Visit our about page to learn more.

Understandably, some people visiting this site are only here to gather more information about life insurance. We encourage that. Our blog page covers a wide variety of life insurance topics. You are sure to have your questions answered by visiting that page, but in the off chance you still have questions, don’t hesitate to leave us a message.

The Advantages of a Local Life Insurance Agent

The advantages of using a local Houston life insurance agent become more apparent after a policy is purchased. Local agents have an easier time coming back if they make a mistake on their paperwork that requires your signature. Local agents are also more inclined to hand deliver policies. An agent that is not local will always let the insurance company mail the policy directly to the client. When agents hand deliver policies it creates a valuable education for the client because the agent can go through and explain each page of the contract. Hand delivering a policy also creates an opportunity for agents to discuss other insurance needs that were not explored on the first visit.