Ellen Diehl, Life Insurance Broker

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

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

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.

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.

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.

Answer: It depends on the type of policy you have. Feel free to reach out to me.

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.

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

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.

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.

Answer: Would you be able to provide a little bit more information please? Are you in the state of Georgia or located somewhere else in the United States?

Answer: Thank you for a very thoughtful question. The state insurance department steps into manage the troubled company to try and re-organize it to find a stable ensure or to buy and take over the existing policies. If I can be a further help, please reach out to me through this site directly.

Answer: If you can provide a little bit more information, I’d be happy to answer your question. It’s an extremely broad scope that you are requesting and it makes it impossible for me to narrow down what you’re looking for. I love helping my clients and I’m sure you are wonderful, but this question needs a little more focused to it please

Answer: Thank you for your thoughtful question. You would need to apply for the new policy first to see if you get approved. You may have to do a medical exam. Never cancel your current policy until the new policy is approved/issued.

Answer: Thank you so much for your very thoughtful question. This is a topic that I would prefer to address in a one on one setting vs on a message board. If you would like to contact me directly, we can certainly spend time going into a detailed response to your very thoughtful question.