Vernon Jones, Life Insurance Broker
Vernon Jones
Acut Above Life and Health
Life Insurance Broker Licensed in NC
Contact Details
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Location
Charlotte, NC
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Website
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Vernon Can Help With:
About Me
Hi, I'm Vernon, your area life insurance advisor. I focus on simplifying the process of choosing a policy that protects your loved ones. You don't have to figure it out alone — I'll compare the best options and walk you through every step of the journey.
Q&A with Vernon Jones
How much does life insurance cost for a 30 year old?
Answer: For a healthy, non-smoking 30-year-old, a standard 20-year term life insurance policy with a $500,000 payout costs an average of $23 per month for women and $30 per month for men. However if you are interested in a Whole Life permanent plan you can a much smaller face amount policy ranging from 10-25,000 which will cost you more but it will be permanent for a lifetime and does not end like a term policy.
What is the most common mistake people make when buying life insurance?
Answer: Underestimating coverage needs is the most common mistake people make, often buying too little insurance or relying solely on a basic workplace policy that leaves their family unprotected against major debts and lost income.
Can you get life insurance with pre-existing conditions?
Answer: Yes, you can get life insurance with pre-existing conditions, though your options and costs will depend heavily on specific factors
Can I get life insurance if I have a family history of cancer or heart disease?
Answer: Yes, you can still get life insurance if you have a family history of cancer or heart disease. Insurance companies look at your family medical background, but your own personal health, age, and lifestyle matter much more in their final decision.
What is term life insurance and how does it work?
Answer: Term life insurance is a contract providing financial protection for a set number of years (the "term"). You pay a regular fee (premium), and if you pass away during that period, the company pays a tax-free cash amount (death benefit) to the people you choose.
Do I need life insurance if I'm retired and my mortgage is paid off?
Answer: No, you likely do not need life insurance if you are retired, debt-free, and your mortgage is paid off, provided your savings and pensions are enough to care for a surviving spouse. The main job of life insurance is to replace income or pay big debts when you die. If no one depends on your paycheck and you have no major loans, you may save money by dropping the policy