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Vow insurance is an independent agency founded on treating you; our clients with the respect and dignity you deserve and above all we vow to provide you with exceptional customer service.
When it comes to insurance agencies and products there certainly is no shortage in which to choose from. As an independent agency we represent the top names in the industry but hold to the motto “we work for our clients”. As a large national marketing organization we are big enough to bring these top brands to you but small enough to give you the personalized service you deserve, that is why at vow insurance we believe in “quality over quantity” and promise to deliver you that personalized service.
As experts in the life insurance industry we have covered everything from final expenses to help with the cost of burial and funeral expense, cremation and / whole life insurance.
as well as term life insurance to cover those moments in life when you need mortgage protection or have other assets or expenses you need protected.
Whole Life insurance is generally placed into four different categories; level, graded, modified and guaranteed issue which is determined by an applicant’s health history. Whole life insurance/Final expense coverage is defined as “simplified issue” in most cases just speaking to licensed agent and answering a few health questions can determine your level of eligibility.
A level benefit would be defined as a policy that would begin to provide coverage from “day one” according the policies effective date, and the death benefit would stay “level” throughout the life of the policy, meaning it would not increase or decrease in value, this is true as well for the premium being paid on the policy.
A graded death benefit policy usually has a two year waiting period before the policy would pay out the full death benefit; however if an accidental death occurs it would pay out the full amount. But if a death occurs within that first two years then the policy would pay a “graded” amount often times defined as a percentage.
Example: $30,000 death benefit, if a death occurs in the first year the policy would pay out 30% and in the second year 70% of the total death benefit.
A Modified life insurance policy usually has a two year waiting period before the policy would pay out the full death benefit; however if an accidental death occurs it would pay out the full amount. But if a death occurs within that first two years then the policy would return all the premiums paid along with interest usually anywhere from 6%-10%.
Guaranteed issue life insurance policies are very similar to modified policies with the exception that the applicant does not have to answer any health questions and there is no medical underwriting. Guaranteed issue policies are generally recommended for those individual who can not qualify for other products due to health history. The good news is there is a plan for everyone.
Term: Certain moments in life may require a different approach. Are you a home owner, do you have children in college, or maybe you just started your family what ever you current situation is if you have a certain “term” or period of your life that you would like to insure than you have come to the right place. The most common term periods are 10, 15, 20 and 30 year terms. Of course At Vow insurance we help people protect their homes by providing mortgage protection, business owners by protecting their assets and investments and we help families with income replacement needs to help protect those who are most precious to you.
With the many different insurance products that are offered it may be hard to know which one is correct for you, if that is the case we are here to help you “think” it through and recommend the right coverage. Every applicant is different and should be treated as such, with our many years of combined field underwriting experience you can lean on our experts to help in the selection of the right coverage, we do not take the “one size fits all” approach and know each client is unique, that is why you can put your trust in our experts.
From high risk to low risk cases we have placed them all, and believe that each client deserves a “fair shot” at gaining the protection they want.
We are a unique agency in that we don’t operate as a call center but instead have agents staffed across the country and chances are one is located in your home state. Our network of licensed agents bring personalized service to you where ever you are, with their many years of combined experience and industry resources trust assure we can provide you with exceptional service and products, we vow to give you the attention you deserve.
We specialize in providing protection for families and loved one’s in the form of life insurance and various financial products, as a full line insurance agency we are confident we have the right fit for you. Whether you are looking for final expense/whole life insurance to cover your end of life expenses or just need enough coverage to cover a cremation we have placed them all.
With today’s rising funeral cost more and more families are looking to relieve the burden of final expenses on their family members and loved one’s, so if you are looking for an affordable policy with the added benefit of having one of licensed agent’s help you along the way then we vow to give you the service you deserve. As an added benefit and at no cost please remember to ask about our “dignity planning” guide as our way of saying thank you.
Certain moments in life may require a different approach. Are you a home owner, do you have children in college, or maybe you just started your family or what ever you current situation is if you have a certain “term” or period of your life that you would like to insure than you have come to the right place. At Vow insurance we help people protect their homes by providing mortgage protection, business owners by protecting their assets and investments and we help families with income replacement needs to help protect those who are most precious to you.
We believe in taking an “old fashioned” approach while using the industries latest technologies as we help you through this very important decision of choosing the right coverage, we take a more consultative approach when getting to know your needs and wants as opposed to being “salesy”.