Although we both had life insurance with our employers, my husband and I always wanted to make sure we had extra life insurance especially with young children and a mortgage. Once the children grew up, graduated and got married we realized we did not need as extensive coverage. Our former Insurance Company was not able to provide us with suitable and more practical options except for raising our premiums because of our ages and never answering our telephone calls. We looked around for alternate Insurers and found Jack Bendahan "The Life Man" of LSM Insurance. We found him to be a very personable and professional young man who met with us in our own home to discuss the various options available. It is comforting to know that our life insurance needs have been addressed based on our changing circumstances and that Jack is always readily available should we have any questions.
Mary and Phil F.
Why is there a 2 year waiting period for death benefits in Guaranteed policies? Which one would you recommend a person diagnosed with ALS choose: Simplified or Guaranteed?
Mario, there is a 2 year waiting period because their are no health questions – so the insurance company does this to mitigate some of the risk. A Simplified Issue would be a better value but we would have to verify the application question wording with you.