- Agent to Managers
They Both Love Ridin' Harleys!!!!
Joe and Jo Ann came to us early in 2009. It was obvious from the beginning that they were going to be more than just agents, they are true Professionals! They demonstrated great leadership skills and have an in depth knowledge of the Insurance Industry and Life Insurance Products.
We are proud to announce their positions as 'Managers' in the company.
HARLEY LOVERS!
They not only love each other and love helping others with their insurance needs, but they both love to ride their Harley’s.
Interview with Joe & Jo Ann:
Q. What kind of Harley-Davidson motorcycles do you and Jo Ann ride?
A. Joe - “I ride a 2005 Harley-Davidson Road Glide, with a 103 cubic inch motor."
A. Jo Ann - "I ride a black, 2006 Harley-Davidson Street Glide with a 95 cubic inch motor.”
Q. How long have you been riding?
A. Joe- “Well, I’ve been riding since I was a senior in High School, so it's been awhile, as you can see by the silver in my hair.”
A. Jo Ann – “I started riding in high school, as a passenger. Then in 1997 I decided I wanted to ride by myself, so I went to a "Riders Safety Course" and bought my first Harley, a 1995 Sportster. I have since graduated to what I used to call a “Grandpa Bike” and I just love it!.”
A. Joe- “Jo Ann and I will ride with you folks even if you don’t ride a Harley-Davidson, so call us anytime and we will meet you to go ride…..”
Q. What would you recommend to folks who want to start riding?
A. Joe – “When you get ready to ride you should find a motorcycle safety course to attend. I recommend that you consult with your local Harley-Davidson dealership and talk to their sales people, they can direct you to a reputable safety course. The people at the Harley-Davidson dealerships are well trained and they can and will assist you in the selection of a motorcycle that will best fit you and your style of riding.
Q. What do you like best about motorcycle riding?
A. Jo Ann – I love having the wind in my face, the stereo playing my favorite tunes and the cruise control. Joe and I look forward to rides with our family and friends for a nice breakfast or lunch. When we have a little more time, we enjoy three or four day rides to southern Utah or Colorado. The smells and fresh air are just fantastic on a motorcycle!
Joe and Jo Ann come to us from a rich background in the insurance industry.
Jo Ann owned her own agency for many years in Minnesota. She was licensed in Property/Casualty & Life and Health.
Joe, having many years of experience, is an well versed in Personal Life and Health, Key Man and helping business owner’s to partner with attorneys and accountants to structure and fund Buy/Sell agreements.
Q. We not only have a lot of people asking for life insurance and mortgage protection life insurance when they purchase a home but, we also have business owners that need to secure their liabilities and assets, what advice do you have to the business owners?
A. Joe – “I am always amazed when I talk to business owners and ask these two questions;
1. “How much do you think your business is worth?"
2. "Do you have any idea of the tax liability to pass your estate on to your heirs?”
They typically underestimate their business' value and are usually taken back when they discover the tax liability. With our help, not only do they know what their business value is, but how to protect it.”
To contact Joe and Jo Ann call this toll free number 1-800-590-2893.
Q. How does the process work in purchasing Life insurance through Easylifeterm?
A. Depending on which product you choose Simple Issue (non medical) or a Fully Underwritten product (medical exam required), fill out the form and “click” send.
Q. Will I need to pay for a physical if I choose a medical exam?
A. NO, the insurance company’s pays for the mini exam. It takes about 15- 20 minutes to complete the mini exam.
Q. How soon will I know when I am covered?
A. With the Fully Underwritten (medical exam) product, takes an average of two weeks to thirty days. With the Simple Issue (no exam), you can be covered in hours.
Q. Do I need to meet with an insurance professional?
A. No, all transactions will take place on the phone. You will receive your insurance agents phone number, when the agent contacts you.
Q. Can I receive cash value with my term life policy?
A. There is no cash value when you purchase a term life product, but there is a rider called “Return of Premium.” If you choose to purchase this rider with your life policy, you will receive every dime back at the end of the term period providing you are still living.
Q. When can I expect to receive my life insurance policy?
A. With the medical exam product, as soon as the insurance company mails the policy to our head office, it will be in the mail to you. Once your policy is issued; it only takes a few days. With the non-medical product, the insurance company will mail it to you directly as soon as it is issued.
Q. Can I cancel my insurance policy?
A. Yes, it is a binding contract between you and the insurance company. You can cancel the policy at any time. In many states, once you purchase an insurance product, you are given a “FREE LOOK PERIOD.” This “Free Look Period,” can span between 10 days and 30 days, depending in which state you live in.
Q. Can I buy more insurance later on?
A. Yes, but remember that your premium is based on many variables such as, you age, health, how much insurance you are applying for etc. . . .
Q. Can I determine who in my family will receive the benefits if I pass?
A. Yes, remember that it is always a very good idea to have a will.
Q. Should I purchase Life Insurance from an agent even though I have it through work?
A. Yes, when you lose your job, your position in the company that you are working for, you usually are not allowed to take your benefits with you. Let’s say that you have worked for ABC Company for ten years. Ten years ago, you where offered an insurance life policy for $25.00 a month, it gives your family $100,000 in case of your death. Now, you go and apply for that same policy but it is twice as much because, you are older, you might have developed diabetes. Yes, there are many people who now wish that they had gone ahead and purchased an outside life policy when they were healthier and younger.
²Subject to deductible and state availability. See policy for restrictions.
³Motorcycle insurance is not available in all states. Coverage features and discounts vary and maynot be available in all states.
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