Ellen Diehl, Life Insurance Broker
Ellen Diehl
iDiehl Solutions, LLC
Life Insurance Broker Licensed in GA, AL, FL, MO, NC, SC, TN and TX
30+ Years of Experience
Contact Details
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Location
Holly Springs, GA
Ellen Can Help With:
About Me
Good day! My name is Ellen, and I am passionate about helping people understand their life insurance choices. I provide no-cost guidance while reviewing options from top-rated companies, so you can feel confident knowing your family is taken care of.
Q&A with Ellen Diehl
Does life insurance cover death while traveling internationally?
Answer: Your question is very broad. Without knowing what insurance company you are with it leaves room for more follow up questions. If you would like me to run life insurance rates for you please contact m.
We also need to consider expatriation coverage. Expatriation coverage is a flat amount such as 25k or 50k to bring the deceased back to America.
Happy to serve,
Ellen
Is whole life insurance better than term life insurance?
Answer: That’s a very good question. So much of it would depend on your personal situation. If you’d like to contact me for some more details, we can start a conversation and figure out what is best for your situation.
Term life is very good when you are looking at just the next 10- 20 years
How does life insurance factor into estate planning?
Answer: Good morning. This is a very thoughtful and detailed question. Do you have heirs to leave a legacy to? Do you have a mortgage you would like to protect? Do you need to plan for LTC? Life insurance can benefit you in all of these areas. If you would like a no-hassle, no-obligation quote, please get in touch with me. Happy to serve, Ellen.
What is the difference between an independent agent and a captive agent?
Answer: A captive agent works directly for ONE company and can only sell that ONE company.
An Independent Broker (like me) is not captive and can represent any carrier they wish.
The Broker works for you. The Captive Agent works for the ONE carrier. If you are turning 65 and need help, please let me know.
How does inflation impact my life insurance coverage needs?
Answer: Thank you for your very thoughtful question. If the cost of inflation means that your family needs $200,000 a year to live off of, whereas previously they only needed $150,000 a year to live off of, then you would certainly want your life insurance to reflect that increased need if you were ever not around to be the breadwinner for your family if you would like a more individualized response, please contact me.
Can I change my life insurance policy after I buy it?
Answer: It depends on the type of policy you have. Feel free to reach out to me.
Do I need a will if I already have life insurance?
Answer: Your question needs a little more detail. If you have life insurance, it’s recommended that you assign a beneficiary, and that will allow the life insurance to pass outside of probate. If you have other assets that you want to leave to someone, then yes, you need a Will. If you’d like to have a no-pressure consultation, just reach out to me.
Happy to serve, Ellen.
Can I cancel a life insurance policy if I change my mind?
Answer: Good afternoon. I'm happy to answer your question if you can provide a little more information. Is your current policy Term or Whole life? Happy to serve, Elle
What is variable life insurance and how does it work?
Answer: If you could tell me a little bit more about the need, you’re trying to solve for I could better answer your question. Variable life insurance is a type of permanent life insurance that has a death benefit, and a cash value component.
Why do so many people let their life insurance policies lapse?
Answer: I’m sure there are many reasons, one common reason could be they were oversold on the front end and then decided not to keep up with the annual payments. If you have a specific need or concern, you can reach out to me directly and I’ll be happy to give you a no pressure consultation.
thank you ❗️ Ellen.