Tonya Reese, Life Insurance Agent
Tonya Reese
Life Insurance Agent Licensed in MI
Contact Details
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Location
Oak Park, MI
Tonya Can Help With:
About Me
Greetings! I'm Tonya, a life insurance professional committed to serving our community. I take the time to understand your unique situation and connect you with coverage that provides long-term security. Let's work together to build your peace of mind for the future.
Q&A with Tonya Reese
Is life insurance available for people over 75 or 80?
Answer: Yes, Life is insurance is available for people over 75. Some companies accept people up to the age of 89. Several factors go into consideration on the amount you can receive.
What is the most common mistake people make when buying life insurance?
Answer: The most common mistake people make when buying life insurance is the type of insurance they thought they purchased. Also the coverage amount of life insurance needed or wanted.
What is the difference between an independent agent and a captive agent?
Answer: The difference between an independent agent and a captive agent is an independent agent, works for their selves and can represent multiple companies in the insurance industry. A captive agent represents one company and they only sell the products the company has to offer. Also, in many cases, they may be considered an employee that receives benefits as well.
How long should my term life insurance policy be — 10, 20, or 30 years?
Answer: You should determine what your term of 10,20, 30 years would be based on the goal you’re trying to meet. Sometimes people get term policies because they have young children or a mortgage to cover for a certain time frame. It depends on what you’re trying to accomplish.
Can you have multiple life insurance policies from different companies?
Answer: Yes, you can have multiple insurance policies because every policy may serve a different purpose. Example a final expense policy (whole life), or a mortgage protection policy (term).