Get Affordable Life Insurance
Shalin Financial was founded on the principle that greater access to competitive insurance options means finding the best fit for our client’s needs. That’s why we leverage products from 175 different companies for our clients. No single insurance provider has the ideal product for every person. Instead, you need someone with the right experience and knowledge guiding your decision process, helping you explore what’s available to determine what’s right for you.
Our 5 Steps Process:
First: We talk with you to narrow down exactly what your needs are. What is the primary purpose for this policy? How much coverage should you have? How long will you need it? It is just for 20 -30 years while you are growing your family or are you looking for something you can keep your entire life even if you live to age 120? Are you looking for cash accumulation and wealth transfer options? Would you like to supplement your retirement plan with this policy?
Second: Once we know your needs, we recommend different policy options to help you determine which policy is right for you. Often times, it is a combination of term and permanent policies. For high income business owners, there may be a way to use your business income to help pay for the policy. For wealthy individuals, there may be opportunities for gifting and creating a very efficient wealth transfer tool.
Third: We find out a little more about your current health assessment. Are there any health issues we need to be aware of that can effect what rating you may qualify for? Some insurance companies have more lenient underwriting than others.
Fourth: Then, we utilize our technological resources to get you multiple quotes in minutes. With today’s quote engine capabilities, it is easier to find the lowest rates, but it is not easy for everyone to qualify for those rates so we recommend the companies that we would have a better chance of getting you a better rate.
Fifth: We help you apply for the life insurance. Most of this can be done over the phone, fax and emails, but if you prefer to meet in person, we are happy to meet with you at our offices with your spouse to help you thru this entire process.
We do not charge any fees for our life insurance services as we get paid directly from the insurance companies we represent and it’s all included in and covered by whichever policy you select. Call us today to learn more. Life insurance is a complex matter that you shouldn’t have to manage on your own – let us help you through the process.
There are many reasons to purchase life insurance. What are yours?
- Income replacement
- Final expenses
- Loan collateral
- Estate planning
- Key man for a business
- Buy-sell agreements
- Pension plans
- Charitable planning
- Charitable giving
- Estate Planning
- Leaving an inheritance
- Wealth Accumulation and Transfer
Let’s look at the best life insurance product for you. Possibilities include:
- Term Life
- Money Back Term Life also known as Return of Premium Term (ask us about options to get your premium back after the specified term)
- Whole Life
- Universal Life
- Variable Universal Life
- Indexed Universal Life
- Survivorship Life
Here are just some of the companies we represent:
- Allstate/Lincoln Benefit
- American General
- AXA/Equitable
- Banner
- Chase
- First Colony
- Genworth
- ING
- Jackson National
- Lincoln Financial
- MassMutual
- MetLife
- Nationwide
- New York Life
- Pacific Life
- Principal
- Protective
- Prudential
- Transamerica
