Andy Kelly, Life Insurance Broker
Andy Kelly
Andrew Kelly Insurance and Retirement Services
Life Insurance Broker Licensed in WA and OR
5+ Years of Experience
Contact Details
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Location
Walla Walla, WA
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About Me
Hello, I'm Andy, your neighborhood life insurance advisor. Protecting loved ones is one of life's most important decisions, and I specialize in finding plans that fit your needs and your budget. Let me handle the research while you focus on what matters most — your family.
Directions to My Office
Q&A with Andy Kelly
What documents do I need to prepare before meeting an agent?
Answer: I always recommend that people have an accurate medical profile, list of medicines, etc. This doesn't have to be a formal document but will help your agent recommend the policy options that are most suitable for your situation. It's also important to be able to share if you have other policies and sometimes those need to be noted on the actual application, so having them available to review is helpful. Last, many policies require some fiscal disclosure. It's important to have an idea about total debt, net worth, etc.
Is life insurance available for people over 75 or 80?
Answer: Yes, many companies offer policies up to age 80 or 85 for enrollment. Most of these policies are framed as "final expense" insurance because given mortality rates there isn't a significant amount of time to build cash value. I'm an independent insurance agent who works with multiple providers. It might be helpful to find someone who is independent and works with numerous providers so that you can compare costs to find the best value that meets the needs of your family. Certainly, as we age, it becomes more expensive and challenging (depending on health) to secure life insurance. Challenging-but not impossible!
Can you convert a term life insurance policy to permanent coverage?
Answer: It depends! All companies and policies are different. Several of the companies that I work with allow for term-to-permanent conversions... but some do not. If this flexibility is important to you, it's important to know that up front.
How do I find a trustworthy life insurance agent in my area?
Answer: To find a trustworthy life insurance agent, I'd start with a conversation, hopefully face to face, and make sure that the agent is interested in helping solve your need/concern. I would avoid someone who is hard selling a single product (perhaps the one that pays them the most commission). I also think it's reasonable to ask the agent for references. I've had several clients ask that of me and I provide their information to my existing clients who reach out and share their experience in working with me. My goal as a life insurance agent is to build relationships with clients, over time, as opposed to make a quick sale/transaction.