Insurance Costs Down 47%, Benefits Up!

Kyle Malmstrom, Associate Advisor

While most people would rather go to the dentist before talking about life insurance, today’s market conditions offer opportunities that are worthy of dusting off those old policies and taking inventory of what you own.  You might discover you could have more money in your pocket, and at the same time improve, your family protection benefits. 

The fact is, the cost of insurance has dropped a whopping 47% in the last ten years.  Utilizing today’s rates could give you more money to spend however you wish.  Current policy benefits also include ‘accelerated benefits’ which you can use today in the event of a terminal illness.  This provides liquidity to ease any financial burdens during an already delicate time.  Between the significant cost savings and policy benefits that you can use while you are alive, today is an extremely worthwhile time to have your policies examined to determine if they can be improved.   

Our goal when providing life insurance is simple - to get you the best, most appropriate policy at the absolute best price.  We want to secure your families’ financial stability at the most reasonable cost available.  Spearheading our life insurance division is a 15 year veteran, Steve Morris, CLU, ChFC.  Steve’s expertise and extensive knowledge of the industry makes him the master at finding these opportunities for our clients.   

If you purchased life insurance contracts in the last twenty five years we recommended that you get your policies analyzed by the life insurance division at Centara.  We will research all the contract details, costs, and cash values of your policies to determine if there is opportunity to improve your situation.  While not every policy can be improved, our analysis will give you peace of mind that you have the best and most suitable policy available.  Every case is subject to underwriting requirements, but barring any significant decline in health (we will help to determine this as well), there is a likelihood we can save you money on the premiums you pay, or drastically improve the benefits available to you. 

The opportunities for enhancement are much more common than you think.  We review underperforming, expensive and poorly allocated policies on a regular basis.  I encourage you to take advantage of our expertise and have Centara analyze your policies.  For more information and to begin the process, please contact your Relationship Manager.   

© Centara Capital Management Group, Inc., 2007. All rights reserved.

Centara Capital Management Group, Inc.
8880 Rio San Diego Drive, 4th Floor
San Diego, CA 92108
(619) 398-1700
www.centaracapital.com
info@centaracapital.com

Securities offered through Registered Representatives of Centara Capital Securities, Inc., Member NASD/SIPC. Investment advisory and financial planning services offered through Centara Capital Management Group, Inc., a Registered Investment Advisor. Legal services provided by Centara Legal Group, APC, David Gebhardt, Principal. Insurance #0D85861. CA DRE License No. 01519824