Lt Col Tim Brown, Life Insurance Agent
Lt Col Tim Brown
Insurance Services of KY & TN
Life Insurance Agent Licensed in TN, AL, AR, CO, FL, GA, IN, KY, OH and TX
28+ Years of Experience
Contact Details
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Location
Gallatin, TN
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Website
Lt Col Tim Can Help With:
About Me
Hello there! I'm Lt Col Tim Brown, I specialize in Medicare insurance, serving 14 states. My mission is to take the confusion out of Medicare and replace it with clarity and confidence. I’m here to help every step of the way.
Directions to My Office
Q&A with Lt Col Tim Brown
Is life insurance available for people over 75 or 80?
Answer: Yes, you can. These plans are pricy at this age, and if you’re healthy, it’s a full benefit right away. If not, you can get a graded policy that has limited benefits for the first two years.
Lt Col Tim Brown, licensed in 14 states
Insurance Services of KY and TN Inc.
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How does a no-exam life insurance policy compare to a fully underwritten one?
Answer: It’s more expensive. They figure you have health issues when a person chooses that type of plan, so no questions about higher premiums. Of course, if you do have issues that would normally get a decline, then this is the only option.
Tim
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Do you have to pay taxes on life insurance benefits?
Answer: Life insurance proceeds are tax-free unless the premiums were paid by a business. Then it might be.
Lt Col Tim Brown
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What is the difference between level term and decreasing term life insurance?
Answer: Level term, the death benefit remains at a level amount of coverage the entire length of the contract. You buy various terms or lengths of time, i.e., 10 yr, 20 yr, etc.
Decreasing term plans would be used, say to cover a mortgage. An example: if you bought a home on a 30 yr loan, as the mortgage decreased in amount owed over time, the face amount of the death benefit would decrease along with it.
That's it.
Lt Col Tim Brown
Insurance Services of KY and TN Inc. (In 14 states now).
I do life, Medicare plans, investing, hospital plans, dental vision hearing and critical illness plans.