Lady-Vienna Vedal, Life Insurance Broker
Lady-Vienna Vedal
Bankers Life and Casualty Company
Life Insurance Broker Licensed in NC
Contact Details
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Location
Charlotte, NC
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Website
About Me
Hello, I'm Lady-Vienna, 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 Lady-Vienna Vedal
Can I change my beneficiary on a life insurance policy?
Answer: Yes, you can
There is a beneficiary change form you must fill out.
Simply reach out to your insurance provider/servicing agent for your next step
What is the most common mistake people make when buying life insurance?
Answer: Solely relying on their employer's group life insurance coverage and not knowing that once they're no longer with their employer for whatever reason, the coverage is gone as well.
Not affording enough time with a life insurance specialist to help them explore
many different options that specifically fit their needs and budgets
What is the difference between a life insurance agent and a financial advisor?
Answer: Excellent question. A life insurance agent helps you with your final expenses, burial, legacy, and mortgage protection; while a financial advisor helps you with financial planning, assets, and wealth diversification protection.
What is a graded death benefit and how does it work?
Answer: Graded death benefit is a permanent whole life insurance that limits the claimant from claiming the actual face amount if the insured dies before the waiting period of 2 years
The waiting period occurs when the insurance's underwriters discover one or more health issues; however, instead of declining you, they decide to offer you coverage with a slightly higher premium and a 2-year waiting period
How do you help a client decide between term and whole life insurance?
Answer: To help a client decide between term and whole life insurance, I will go through the client's needs assessment, financial suitability.