The Last Survivor

Securing a Legacy for your Children Life Insurance Consultant A Survivorship/Second-to-Die Life Insurance policy is a type of permanent life insurance that is often chosen when the purpose is to leave money to a couple’s heirs when both spouses have passed.  In...

Prepare for the Unexpected

Consider adding a chronic illness rider to your life insurance policy Jody Horetski Life Insurance Consultant Many of us know someone who’s had to care for a loved one with a chronic disease or had a severe cognitive impairment and understand the emotional, physical,...

Permanent Life Insurance

Stability and Peace of Mind Jody HoretskiLife Insurance Consultant Despite what the financial pundits would have you believe, permanent life insurance has very unique qualities that sets it apart as an excellent vehicle for helping you on your way to financial...

The Net Cost of Insurance

Jody HoretskiLife Insurance Consultant When you are working with a client, especially a business client, they have a lot of options for coverage.  One way to help them make a decision on what fits them best is to show them a net cost analysis of their insurance...

Prospecting and Generating Sales

Jody HoretskiLife Insurance Consultant The Lifeblood of your Business How do you determine your ideal customers and where do you find them? A good course of action would be to analyze your current group of clients and identify similarities … age, gender, income,...