Eizel Mere, Life Insurance Agent
Eizel Mere
Life Insurance Agent Licensed in FL
Contact Details
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Location
Ocala, FL
Eizel Can Help With:
About Me
Hi! My name is Eizel, and I am your dedicated life insurance consultant. My role is to ensure you have coverage in place that truly fits your goals. I partner with respected insurers to provide you with reliable and affordable options — all at no cost to you.
Directions to My Office
Q&A with Eizel Mere
What is the difference between a beneficiary and a contingent beneficiary?
Answer: Hello, that is a good question. A Beneficiary is a person or institution that receives death benefit in a policy. A contingent beneficiary is a substitute in case the beneficiary dies first or at the same time as the insured. If there is only one beneficiary a contingent is 100% recommended.
What questions should a first-time life insurance buyer ask their agent?
Answer: This is my life story, medical history, my goals and what is important for me, what type of life insurance do you recommend for me based on my needs?
Every case is different and if the agent does not know you they do not have all the information to meet your needs and you wont have all the information as to what is available.
How much does a $1 million life insurance policy cost?
Answer: It depends on the type of life insurance, your age and health, and company. Life insurance is not a car, quotes are individually based.
Can I name multiple beneficiaries on my life insurance policy?
Answer: Yes you can. You can add beneficiaries and a specific percentage each will receive. If you only have one it is encouraged to add atleast one contingent beneficiary.
What is accidental death and dismemberment insurance, and do I need it separately from life insurance?
Answer: That is an important question. Accodental death and dismemberment will pay out the death benefit only if the cause of death is accidental. For example, car accident. I recently sat down with someone who had an old policy where is paid one million buy only if the insured died on a plane accident. A regular life insuramce will pay out does not matter the cause of death (except suicide the firat two years). You can have both but if you can only have one it whould be the life insurance.
How much does life insurance cost for a 50 year old?
Answer: Life insurance premium is based on age and health, and the ammount of benefit requested. Also different companies have different rates. Unfortunately I have to say it is a case by case thing.
Can you get life insurance with pre-existing conditions?
Answer: Yes you can. There are two ways: 1. Find a company who accepts that specific condition, depending on the condition you may be tabled meaning the policy will be a more expensive. 2. Guaranteed issue is life insurance has no underwriting.
What should I expect from my life insurance agent after I buy the policy?
Answer: It depends on the type of policy. If it is a typical life insurance with no bells and whitles there is little to do so your agent may contact you every couple of years to ask for beneficiary update. If your policy has cash value based on index or market value those need to checked regularly and your agent must go over the options with you.