Terrance &
Nia Brooks
You gave me a real hour, and you were straight with me about the budget, which made it easy to bring you something that actually fits.
I put this together mostly so Nia can see it. You shouldn't have to explain an hour of conversation from memory at the end of a long day. It's all here, in the same order we covered it.
"Hi Nia, it's Mike Reed. Terry and I sat down Wednesday and went through what would need to keep running if something happened to him. Everything we talked about is on this page. Take your time with it, and if a question comes up, call or email me whenever works. I'll get back to you the same day."
What matters to you
- Nothing left for the kids to pay for. Final expenses covered in full, so Amir and Layla are never handed a bill.
- Coverage that doesn't expire. In force as long as the premium is paid, and it stays with you if you ever change jobs.
- A fixed cost you can plan around. You told me $150 a month was the number. This is built to that.
What we set up
Why this made sense
- It covers the thing you named first. $120,000 handles final expenses several times over, and the rest goes to Nia.
- It belongs to you, not to your employer. Unlike the hospital's group coverage, this stays in place through a job change or retirement.
- The rate is locked at today's age. $150 a month now, and $150 a month in twenty years.
The next step
Whenever you've both had a chance to look, the application takes about twenty minutes and I'll walk you through it.
Pick whichever is easiest — a short call, an email, or fifteen minutes on my calendar. Evenings are fine.