We believe that family is the most important aspect to life. Here at the Casteel Insurance, we take pride in protecting your family for whatever life brings!
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learn moreNo one can predict the future but with a final expense policy we help families ease the financial burden of unexpected loss.
Mortgage protection plans ensure our clients can keep their homes even in the face of tragedy.
learn moreYou can't save your way to retirement. Index Universal Life polices and Annuities are two vehicles we use to help clients reach and exceed one's retirement goals, without risk.
learn moreEvery dollar you put into this account is matched and put towards health services that far exceed that of typical health savings account.
learn moreMedicare supplement policies protect clients from "gaps" in coverage in their Medicare plans.
learn moreInsurance whether life or health, can be confusing and complicated. Here are some of the most common questions that we get asked.
This should be the very first question you need to ask yourself. It will determine the best type of policy for you and that you are not overpaying for coverage. You need to focus on the options that fit your individual’s budget and needs. There are many ways you can calculate approximately how much coverage you need. One of these ways is using the LIFE calculator. By completing an analysis, we can ensure that the coverage amount is adequate and sufficient. An experienced agent will guide you in completing these questions and account for what you already have in place to meet these needs.
L – living expenses (car loan, credit card balance, mortgage and etc.)
I – income replacement (usually 10x the annual income)
F – final expense (the average funeral in the United States vary between $5,000-$10,000)
E – education (college fund for the kids)
Did you know that many people overestimate the cost of life insurance? In fact, 63% believe that Life Insurance is “expensive” and they probably can’t afford it. Also, 74% of customers over-estimated the actual cost of insurance by 2 times the amount! (according to the 2018 LIMRA Barometer study).
Unfortunately, a lot of people think they cannot afford life insurance. Therefore, they are either not insured or significantly underinsured. Cost is a concern for many people, so we’ve created a comprehensive guide on how is your life insurance rate determined. That way you would have a better understanding of the factors playing into your rate.
This one of the very common life insurance questions we get? The answer is not necessarily. There are many companies offering life insurance policies with living benefits built into the coverage. In other words, you don’t have to die to use your life insurance. In fact, living benefits is one of the 4 ways you can collect from a life insurance policy.
To fully answer this question you need to understand why are you looking for coverage in the first place and how much coverage you need. There is no one size fits all insurance.Here are 2 major categories of life insurance: term insurance and permanent insurance. For some, based on their needs, term insurance makes the most some, for others a permanent plan will be a better fit. In many instances, a combination of the two would be the best solution. It all comes down to your needs and budget.
No, you don’t. There are many companies that could offer life insurance without requiring the additional step of a medical exam. Just keep in mind, for some options an exam will be required.
The answers to this question vary, but the most common one is to gain peace of mind. We want to make sure that our loved ones would not suffer financial hardship in an event of our unexpected and untimely death. Having the right life insurance gives us the confidence to know that we are not going to be a burden to our family. Life insurance can be one of the many ways we plan for the future. Many people can use the policy as an estate planning tool.
We get it, insurance can be overwhelming. We provide free education to help you find your way in understanding insurance.