Finding the right solution for your personal or business needs requires us to pay special attention to the circumstances of your unique situation. Plan with Phil takes a needs-based approach to our insurance sales strategy. Our four-step process of analyzing, recommending, implementing, and reviewing your strategy will help ensure that you get on course to achieving your goals, and remain on course as life unfolds.
- Analyze. Before we recommend any product or service, we ask questions and get a clear understanding of your financial goals and objectives. We then analyze your insurance portfolio to identify any gaps that may exist in your policies.
- Recommend. We provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.
- Implement. If you’re satisfied with our recommendations, we work with you to implement your strategies and secure the required products and services to help ensure your financial freedom.
- Review. Because your financial situation is bound to change, we work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.
Our team can help you with many of your financial needs. It is important to note that Financial Services Representatives are only able to provide certain services if they are licensed to do so in your state.
Q&A (Questions and Answers)
- What is life insurance? A: Life insurance is a contract between a policyholder and an insurance company. The policyholder pays a premium, and in exchange, the insurance company pays a death benefit to the policyholder’s beneficiaries if the policyholder dies while the policy is in force.
- Who needs life insurance? A: Anyone who has dependents, such as a spouse, children, or elderly parents, may need life insurance. The purpose of life insurance is to provide financial support for your loved ones if you pass away unexpectedly.
- What types of life insurance are there? A: The two main types of life insurance are term life insurance and permanent life insurance. Term life insurance provides coverage for a specified period, usually 10, 20, or 30 years. Permanent life insurance provides coverage for the policyholder’s entire life and includes a savings component.
- How much life insurance coverage do I need? A: The amount of life insurance coverage you need depends on your individual circumstances, such as your income, debts, and the financial needs of your dependents. A financial advisor or insurance agent can help you determine the appropriate coverage amount.
- What factors affect my life insurance premiums? A: Your age, health, occupation, and lifestyle habits, such as smoking, can all affect your life insurance premiums. The type and amount of coverage you choose also impact your premiums.
- How do I apply for life insurance? A: To apply for life insurance, you typically need to complete an application, provide medical information, and undergo a medical exam. An insurance agent can guide you through the application process.
- Can I change my life insurance policy? A: Yes, you can change your life insurance policy. You may be able to increase or decrease your coverage or change the beneficiaries on your policy. Contact your insurance company or agent for assistance with making changes to your policy.
To Our Clients
Our working environment is characterized by teamwork, trust and cooperation. We work together to serve you. We honor our commitments and hold ourselves and each other accountable. We support the best in each other and know we can be the best financial services organization in the area. We are determined to succeed.
Our TEAM combines their education in financial services with an in-depth knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. Our advisors must pass comprehensive exams to obtain a license to sell products in your state.
We have individuals licensed to sell insurance products in the following jurisdictions:
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA IL, ID, IN, KY, KS, LA, MA, MD, MI, MN, MS, MO, NE, ND, NJ, NY, NC, NH, OH, OK, PA, SC, TX, TN, UT, VA, WI, WV
Domiciled in NY, CA Insurance License #0M36404
Our TEAM offers a wide range of insurance products designed to provide you with the flexibility you’ve been searching for. Our Financial Services Representatives make choosing the right products for your unique situation easier than ever before. Backed by years of industry experience, and with access to a network of provider resources, PLAN WITH PHIL is well-equipped to guide you through a complex, changing world of risk and opportunity.an.