Frequently Asked Questions

FAQs

How much insurance do I need?

As a guide, you should have enough to pay off all of your current debt plus enough to replace your income for 5-10 years. One of Equis’ agents would be happy to help you calculate what amount of coverage you really need and how much coverage would be affordable.

Why buy a mortgage protection plan?

Protect your investment and your family! A Mortgage Protection Plan is the smartest, most efficient way to safeguard your most important assets

Should I shop around for coverage?

Absolutely! At Equis, we are an independent brokerage, which means we have access to the insurance industry’s top companies. We can provide you with quotes from multiple companies to find you the best coverage for the best price.

I have life insurance through work, do I really need more? I have health problems, can I still get insurance?

While it is true that having preexisting health problems can make it difficult to get coverage, Equis agents have access to a vast portfolio of companies and products that allow them to provide some level of coverage to everyone, no matter what health conditions may exist.

I have life insurance through work, do I really need more?

In most cases, it is a great idea to take full advantage of life insurance provided by your employer. These rates are usually discounted because the coverage is purchased as a group. Most financial advisers will recommend that you also own your own policy outside of work. This way you’re covered if you change jobs or retire. We can design a custom plan that will work along with the insurance you already have through your employer.

Is there anything I can do with an under-performing 401K insurance?

Yes, in most cases an Equis adviser can assist you in placing your retirement funds in a safe retirement plan that will earn a solid return while protecting you from huge losses in the market.

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Please note that the examples herein are not company or product-specific. They are concepts shown to give you general information of the benefits and limitations of the products and strategies and are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state.

*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC.

**Some annuities may have a lifetime income guarantee as part of the base policy; others may have riders available that provide this benefit. Riders may also be available for benefits like an annual increase to help combat inflation or for as much as doubling your income in case of a qualifying health event. Limitations and qualifying conditions apply. Optional riders may be available with a charge.

***Safe-Retire.com and The Gale Group are not associated with or endorsed by the Social Security Administration, the IRS or any government agency.

^Increased income is possible following a specific strategy suited to your financial goals and may require buying multiple annuities or keeping the annuity for the full-time period. May not be available in all states. Results may vary and will be less if excess withdrawals are taken.

» For your suitable benefits. Fees are lower than investment products.

By responding to this offer you may be put in touch with a licensed agent regarding retirement income strategies using fixed insurance products. Safe-Retire.com is insurance licensed 1988 Mortgage Broker/Lender Licensee 1998 Retirement Specialist 2012 and all producers of Safe-Retire.com have the appropriate licenses for the products they offer.