IN Bethel Park Winter 2017 | Page 13

INDUSTRY INSIGHT INSURANCE SPONSORED CONTENT s ’ t a h W What’s What’s your excuse? y s n o s a e r 5 Top p o 5 T reasons Top 5 reasons people important ignore insurance coverage the most available i t s o m e h t e r o n g i e l people p o e p ignore the most You bought bought d n your a r a auto your c r insurance u o auto y t c because e insurance t o r you p o want t t n to a protect because w u your o y car e s and you u a c e b don’t e c n to a r protect u s enough n i o t u your a r u it.” o car y t h and g u o b u 5 o Y I “ You . 5 5 want .“I know about .“I d it’s the the law. law. You f o bought o You r e h your bought t t c homeowners e t o r p your o insurance t e homeowners c n a to r protect u s n i the s r roof e n w insurance o You e m o h r u to o y protect t h g It’s u o b the u o responsibility roof Y . w a l e to h study t You s ’ t i ce c u it’s o Y certainly aren’t alone. not your your head head and the bank and required the it. bank required it. . t i d e r insurance i u q e r coverage k n a b in e your h t spare d n a d a e h what r u o y r e insuran v o a r u over s n over i your time, That’s p e d n i independent agents like us are for . indepe However, no s n one no i a is l p forcing one x e h you is c i forcing to h purchase w , e c n life you a insurance, r u s to n i purchase e which f i l e explains s a h c r life u p insurance, o t u it o is y your g n i c which r o f s i e n o n e v are e w Howev o H e w However, o H However, responsibility to explains be o sure that , r you why why 90% 90% of people of o t people t in n America a t r o p agree in m America i that s i life e c insurance n a r agree u s is n important i e that f i l t to a h life t e insurance e r g a a c i r e m is A important n i e on l p you o e financially. p to f o % Having 0 9 y an h w e t o r p protecting those that depend protec have, but but only e n only 44% o y of n households 44% a e v a of h own u households o a y policy f I . l at l a all. t If a you y own c have i l o anyone p a a policy n w o s at d l o all. h e agent If s u you o to h advise f have o % anyone 4 y l n you o t makes u b , it e easier v indepe a h p e d n have, i independent and 4 educate depends y d e on g a you r t on financially, f I . you l a t i life v financially, y insurance l e t u l o is s absolutely b a life s i e vital. insurance c n If a tragedy r u s n i e f make i l absolutely , y l the l a right i c n decision a n fi vital. u o what y n If o tragedy s d n you e p need. e d t a h t mak a m that o that t depends to is for coverage to were were to to n strike, i a strike, t n life i a insurance m life o t y provides insurance l i m a the f r means u o y provides for r o your f s n family a e m the to maintain e h means t s e d i v for o r p your e c n a family r u s n i e to f i l maintain , e k i r t s o t e r e w their their standard standard y d of a living e r l a of without n living a n you, i s and n without o give i t p them o m options you, e h t in e and an v i already g d give n a , u them o y procrastinating. t u options o h t i w Put g n in i v an i excuses l f o already d r a d n a t s more r i e h t p o t S Stop your aside and get Stop p time time of grief. of grief. . f e i r g f o m i t t l u ffi i d r o difficult f n difficult i information about life insurance, feel free e to contact us c at inform you If you are are still t u part still o h of t i part the w 56% y l s of of u Americans o the r e g 56% n who a d are e of r dangerously a Americans o h w s without n a c i r who e m A are f o % dangerously 6 e h would t f o like t r to a without p l l i t s e r a consumers u o 412-83 y f I 8 - 2 If 1 4 412-833-5351 or 5 if you download our coverage you you may be may familiar . s e s u with be c x one familiar e n of o these m m common with o c e excuses. s one e h t of f o these e n o guide h t common i w r a i l i m a excuses. f just e b o c e d i coverage u g to life insurance visit y a m u o y e g a r e v guide . w w w www.billflinnagency.com/lifereport www.b 1.”I’m 1.”I’m covered covered through through work.” work.” ” . k r o w h g u o r h t d e r e v o c m ’ I ” . 1 An An employer employer sponsored g n i sponsored k a life t h insurance t r o w benefit y life l n i a is insurance t certainly r e c s worth i t fi e taking benefit n e b e c n is a r certainly u s n i e f i l d worth e r o s n o taking p s r e y o l p m e n A This INdustry INsight was provided by Jason Flinn at The Bill Flinn Agency. advantage advantage n w of o but r of u by o no but y means g n by i n should w no o it f means o take e the c a place l p should e of h owning t e k a it your t take t own i d l u the o h s place s n a e m of o owning n y b t u your b f o e own g a t n a v d a For The Flinn Agency has life life insurance insurance policy. e h t Coverage policy. d n a d benefits e Coverage t i m are i l e usally r o m more benefits y limited l l a s u and e r are the a s t usally fi e n e b more e g a r e limited v o C over . y 40 c years and i l o p Bill the e c n a r u s been n i e f i l serving the Bethel Park and South Hills communities. policy policy won’t won’t t a go d with e g go n you a with if h you c s change a you h h jobs. t if l a If e you your h r health u change o y has f I changed . s b jobs. o j at e g If n a your h c u health o y f i u o has y h t changed i w o g t ’ n o at w y c i l o p Since opening our doors in 1972 our mission has that that point point , o s it l could A it . m could leave u i m you e uninsurable leave r p r e h you g or i paying h a uninsurable g a higher n i y a premium. p r o e or Also, l b a paying r u s n i n u a u higher o y e been v a premium. e treat l d l u o c t by i Also, t n i o p a h t to our customers the golden rule. t Learn about www.billflinnagency.com, or o stop if you if you are are r u young o y young r and o f healthy, e g and a r you e v can healthy, o c obtain e r o much m you h more c u can m coverage n i obtain a for t b your o n a much c u o y more , y h t l a coverage e more h d n us a at g n for u o y your e r a u y f i by our office on South Park Road in the heart of Bethel. dollar dollar with with u an o individual y an s e individual t a policy r ” l l as a opposed s t fi policy e z the i s “one e n size as o “ fits opposed e h all” t rates d e s you o p the p o “one s a y c size i l o p fits l a u d all” i v i d rates n i n a you h t i w r a l l o d would would pay pay with a with policy through a policy work. through work. . k r o w h g u o r h t y c i l o p a h t i w y a p d l u o w 2 . 2 “I’m .“I’m healthy.” healthy.” There are no guarantees in life. ” . y h t l a e h m ’ I “ . 2 This This should should t h be g less i r be y of c an i less l excuse o p of a and t an e more g excuse o of t a n reason o s a and to e r get a a f more policy o e r right o m of d a n reason a e s u c x to e get n a f o a policy s s e l e b right d l u o h s s i h T away, away, as as your your m health u i m could health e r change p a could n unexpectedly. i g n i k change c o Locking L . y l d in unexpectedly. e a t premium c e p x e n u e g n Locking a h c d l u o in c a h t premium l a e h r u o y s a , y a w a when when your your health s i health g is n at i c its i r best p is s will a at keep w its o your l best s m premiums u i will m e low r keep p as r pricing u o your y is p e e premiums k l l i w t s e b low s t i t a as s i pricing h t l a e h is r u o y n e h w based based primarily primarily on your age n on i and s your g medical n i h t age history. t u p and o To T put . y medical things r o t s in i h l a history. c i d e m d To n a put e g a things r u o y n in o y l i r a m i r p d e s a b perspective, perspective, e you m wouldn’t o you h y u wait wouldn’t b o until t e your r fi house n wait o was s a w until on fire e s to u your buy o h home r u house o y l i t n was u t i a on w t fire ’ n d l to u o buy w u o home y , e v i t c e p s r e p insurance insurance policy, policy, so don’t wait so with don’t . r e your h t i life e wait insurance e c n a with r u either. s n your i e f i l life r u o y insurance h t i w t i a w either. t ’ n o d o s , y c i l o p e c n a r u s n i 3 . 3 “I’m .“I’m not not insurable.” insurable.” ” . e l b a r u s n i t o n m ’ I “ . 3 Lifelong peace of mind can be yours with ERIEflex4. You You may may k c already a already b u have o y an g existing n have i d l o health h an s condition i existing t a h t n that o is i t health holding i d n o you c condition h back t l a e h g n i that t s i x e is n a holding e v a h y d you a e r l back a y a m u o Y SM from from even even u o looking Y looking . u into o y life p insurance o t into s s i h coverage. life t t e l insurance t Don’t ’ n o D let this . e g stop a coverage. r you. e v o You c e c n Don’t a r u s n i let e f i this l o t n stop i g n i you. k o o l n You e v e m o r f may may be be surprised surprised u o by y the f I flexibility . s t by n e the m of life e r flexibility insurance i u q e r requirements. e c n of a r u life s If n you i insurance e f i l f o y t i l i requirements. b i x e fl e h t y b d e If s you i r p r u s e b y a m insurance. already already know know e you k a have m you a o health t t have n issue, a t r o it’s a p even health m i more e r o important m issue, n e v to it’s e make s ’ t even i , e u s more s i h Let’s t l a important e talk h a life e v a h u to o y make w o n k y d a e r l a sure sure you you have have coverage coverage on yourself, . r e h g as i h your on e b risk yourself, y may a m be k higher. s i r as r u o your y s a risk , f l e s may r u o y be n o higher. e g a r e v o c e v a h u o y e r u s Guaranteed death benefit can extend to age 121. Guaranteed death benefit will expire if no premiums are paid following initial premium, subsequent premiums are insufficient or account value is reduced by withdrawal or loan. Contact your local ERIE Agent or see the policy for details. 4. 4. “It’s “It’s too too expensive.” expensive.” . e v i s Inc n e p x e o o t s ’ t I “ . 4 Bill Flinn ” Agency S Park Compared to what? Most more Compared n to o h what? t n households o m Most r e p spend e r households o much m h c u per m month d n spend e on p s s d much l o h e 2754 s u more o h t Rd s per o M month ? t a h w o on t d e r a p m o C Bethel their cable subscription what it would a would policy. If w cost their cable f I . subscription y c i l o than p a n w o than o t cost m them what e h t to t own s it o c d l u o t i t a them h w n Park, a to h t PA own n 15102-3858 o i t p a i r policy. c s b u s e If l b a c r i e h t www.billflinnagency.com you break break to a v daily a a half million for a you r o it f down e g it a down r e o c expense, to f o a s r daily l l o a d expense, n o i dollars l l i m of a coverage a f l a half h a , e million s n e p x e dollars y l i a d a of o t coverage n w o d t i k a for e r b u o y 412-833-5351 a healthy 50 year be what you for a healthy 50 f o old year p could u c a old r around o f could y a p d be l u would o around w pay u o y a t cup a what h of w d you n u o would r a e b d pay l u o c for d l o a r cup a e y of 0 5 y h t l a e h a starbucks coffee And if you your twenties your premium starbucks m u coffee i every m e day. r p every r u o y day. s are e i in t n And e w t r if u you o y n are i e r a in u your o y f i d twenties n A . y a d your y r e v e premium e e ff o c s k c u b r a t s for the the month could be could the same as single to o McDonalds. for month . s d be l a a n the o D trip c same M t p as i r t a e single l g n i s a trip s a e to m McDonalds. a s e h t e b d l u o c h t n o m e h t r o f ® ERIE life insurance products and services are provided by Erie Family Life Insurance Company. Information regarding additional terms, conditions, exclusions, licensure and territory information is available at erieinsurance.com/life. Eligibility for insurance coverage will be determined at the time of application, based upon applicable underwriting guidelines and rules in effect at that time. S1603 5/14 © 2014 Erie Indemnity Company Bethel Park | Winter 2017 | icmags.com 11