With so many options available, selecting the right health insurance or life insurance can be a daunting experience. Life insurance (compared to health insurance) is rather straight forward. We can help you select the right coverage quite quickly.
On the other hand, health insurance coverage is confusing and frustrating to the average person. That's why our agents are highly trained to assist you in selecting the right insurance coverage for you.
Why Life Insurance
1. Paying off Debt
The vast majority Americans accumulate some level of debt throughout their life. We all believe an early death happens to other people – not us! We go in debt for an education, a new car, and for many of us a home mortgage. If the unexpected happens, life insurance may pay off those debts.
2. Giving Loved Ones a Financial Future
Life insurance can help fill the income gap when one parent or the primary family breadwinner passes away. A death benefit could be used to cover day-to-day purchases and living expenses.
3. Leaving an Inheritance
Life insurance is one method to create an inheritance that, usually, is not taxed before reaching heirs or beneficiaries. (There are exceptions so check with your tax preparer.
4. Providing Extra Support for Retirement
Many people only associate life insurance with death, but the right policy can also fit into the mix for retirement planning.
5. Peace of Mind!
Making a plan for what would happen after a sudden death may give you some peace of mind knowing that your loved ones will be taken care of.
Why Health Insurance
Health insurance is of vital importance to everyone. Benjamin Franklin once said: "There are only two things certain in life - death and taxes." I think two more things need to be added to the list - accidents and illness!
Some folks are lucky enough to go long periods of time without being accidentally injured or becoming sick.
Most of us aren't that fortunate! Somehow life manages to through us a curveball when we least expect it. Times like that often result in unexpected medical bills for doctor appointments and possibly hospital bills. While health insurance may not cover all of our medical expenses, it can provide a financial safety net during those troubling times.
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Meet Kathy Elsesser
Hi, I'm Kathy Elsesser and I have been a Michigander since birth. I am married with two children and 4 grandsons. I grew up in the Jackson area and have lived in the Lansing area for over 33 years. I love being outdoors, physically active, riding motorcycles, traveling and spending time at the cottage. My passion is helping others in any way that I can. My careers have always been focused around people and that is why I ended up in the insurance industry. I have worked retail for many years managing Meijer stores or being a District Manager for Dollar General but also my husband and I owned a women's health club and rental homes. As you can tell by paths, my passion is people.
