NETWORK WITH US

Life Insurance Providers De Soto MO

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in De Soto, MO listed below that can explain more.

Ray Choate - Shelter Insurance
(636) 586-2900
206 S Main
Desoto, MO
Alternate Phone Number
636-586-2900
Services
Home, Auto and Life Insurance

Mr. William J. LaCasse (RFC®)
(573) 302-7212
PO Box 506
Osage Beach, MO
Company
SRG Financial Advisors
Qualifications
Education: The American College,Ed Slott Elite Advisor group,Learning Institute for Financial Executives
Years of Experience: 22
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Asset Protection, Compensation Plans

Data Provided By:
Andrew Thomasson
13611 Barrett Office Drive
Manchester , MO
Company
Title: Registered Representative
Company: LPL Financial
Type
Investment Advisor Rep: Yes
Education
University of Missouri-St.Louis
Years Experience
Years Experience: 5
Service
Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,IR

Data Provided By:
Mike Knehans
3887 Highway EE.
Owensville, MO
Company
Title: Registered Principal
Company: Solomon Financial Strategies
Type
Investment Advisor Rep: Yes
Education
Missouri Valley College/B.S.Economics
Years Experience
Years Experience: 9
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Estate Tax Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market

Data Provided By:
Kevin Adam
2415 Carter Lane
Columbia, MO
Company
Title: MBA
Company: Forward Financial, LLC
Type
Investment Advisor Rep: Yes
Education
University of Kansas/Economics
University of Missouri/MBA
Years Experience
Years Experience: 17
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial

Data Provided By:
Blankenship Agency
(573) 431-2222
509 East Main Ste D
Park Hills, MO
Alternate Phone Number
573-431-2222
Services
Health Insurance, Life Insurance, Investments

John J. Barada (RFC®), CHFC, CLU, LUTCF
(314) 843-7623
12430 Tesson Ferry Road #305
St. Louis, MO
Company
Woodbury Financial Services
Qualifications
Education: CLU ChFC RFC 5 yrs college, no degreeMarketing majorFinance Minor
Years of Experience: 37
Membership
IARFC, FPA, SFSP, NAIFA, GAMA
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Charitable Planning, Education Plan, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided By:
Mr. Brian Standage (RFC®), MBA
(417) 887-1272
3046 S. Delaware, Ste H
Springfield, MO
Company
Holmes & Griffeth, Inc.
Qualifications
Years of Experience: 19
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Tax Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, BuySell

Data Provided By:
Matthew E. Bragg (RFC®), CFP
(660) 263-2280
PO Box 547
Moberly, MO
Company
Spectrum Investment Center
Qualifications
Education: AA, BS
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided By:
Mr. Brian C. Long (RFC®), CFP
(314) 336-0888
2200 WestPort Plaza Dr. Ste. 206
St. Louis, MO
Company
Saint Louis Financial Group
Qualifications
Years of Experience: 20
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, LiabCover

Data Provided By:
Data Provided By:

Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

Click here to read the rest of this article from Gradspot.com

Local Events

SNA Annual National Conference 2019 - School Nutrition Association
Dates: 7/14/2019 – 7/17/2019
Location:
Venue TBD Saint Louis
View Details
 
©2010 Gradspot LLC