Tag Archives: Texas life insurance

10 Ways to Show your Spouse Some Love on Valentine’s Day!

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Valentine’s Day is right around the corner! Ladies and gentlemen, do you have your plans finalized? Whether you and your spouse like to go out for a fancy dinner or stay in with take-out, your day should be special. Our Texas insurance agency has a few ideas to throw out on the table for those who are a little late with the planning.

Here are 10 ways to show your spouse some love on Valentine’s Day!

  1. Make your loved one breakfast in bed- and remember to clean up, too!
  2. Send your wife flowers to the office to brighten her work day.
  3. Pamper your husband with a foot rub at the end of the long day!
  4. Make a small scrapbook filled with photos, notes, quotes and memories.
  5. Choose a beautiful necklace for your wife or a fancy watch for your husband. Just remember to look into valuable article insurance!
  6. Instead of buying a Hallmark card this year, how about you make your own?
  7. If you have a personal day available, take the day off from work and spend quality time together.
  8. Check out life insurance quotes together in order to protect each other from the unforeseen.
  9. Go an entire day without chores, cleaning and nagging.
  10. Take your loved one out for a special dinner, fine dining or diner dining.

There are always ways to show your husband or wife that you love them on this special day. However, do you really need a special day to do these things? No! Make it a habit to always show your love, even during the worst of times.

Our Texas insurance agency also believes that life insurance should not only be a decision made around Valentine’s Day- it is a priority! Having the proper coverage in place will have both of you breathing sighs of relief. Whether you choose term or whole life, you will love knowing that things are financially secure if one of you should pass unexpectedly.

Enough of the somber thoughts- go and celebrate another beautiful day together!

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The Best Valentine’s Day Gift for Your Spouse: Protection!

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Only two more weeks until Valentine’s Day! For all those who are married, what will you be doing for your spouse this year? Year after year… it may get hard to keep coming up with great ideas. Honestly, it probably does not take much to make your significant other happy. Dinner and some chocolate will most likely suffice! However, if you are looking to take your gift a step further this year, may we suggest the gift of protection?

At Dagley Insurance and Financial Services, we believe that life insurance is a gift. Unlike other policies, this is coverage designed for your loved ones more than it is for yourself. If you are not already covered, now is the perfect time. What if something should happen to you? Without life insurance, your spouse would be left to fend for themselves (bills, mortgage, final expenses, etc.) That doesn’t sound so romantic, does it?

Of course, there are other ideas too. Here are a few that we believe your spouse will enjoy!

  • A homemade card
  • A flower arrangement
  • Take chocolate to the next level with Personalized M&M’s
  • Fine jewelry
  • Tickets to a show/concert/sport event
  • Fragrance
  • A CD mix of all their favorite songs

So what are you waiting for? Are you ready to give the gift of protection this year? Be sure to speak with our Texas insurance agency about your options and even ways to receive the lowest possible premium. We would love to help.

Good luck finding that perfect gift!

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Celebrate Life Insurance Awareness Month!

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The month of September is a time to celebrate so much! Not only the change of the season, but take time to celebrate your life during life insurance awareness month. Why would we want to dedicate a month to insurance? Well- do you know how many people do not have reliable life insurance coverage? Over the years, the purchasing of life insurance has been on the decline. It’s scary to think that people do not realize how important it is to protect themselves and their families if something should happen to them.

Life insurance is so important, and here is why:

#1: Your family. What would happen if you died today? Would your children be able to live in the same house? Would your spouses’ salary cover the cost of living? And if you are a single parent, what would happen to your children? Without a life insurance policy, you could affect their lives more than you can imagine. A happy home could turn sour in the drop of a hat.

#2: Your debts. If you should pass away, some of your debts may not go away. Why would anyone want to burden another person with that?

#3: Live stress-free. If you know that you are covered in the event of death, you will not have to worry about what happens when you are gone. Living a stress-free life will not only boost your health but may keep you around longer.

This is your life we are talking about. It is nothing like auto insurance or home insurance where your valuables are covered. This is so much more than that. Taking care of your family should be the number one priority in your life- it is time to show them that! We will be celebrating this life insurance month at Dagley Insurance & Financial Services. Texas, we hope you will celebrate along with us!

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3 Common Questions About Life Insurance

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Enrolling in a life insurance policy is a significant undertaking. There’s a lot that goes into your decision. From researching the various policy options – term life, whole life, variable and so on – to determining who your beneficiary will be, the life insurance process can become a bit overwhelming. That’s why we at Dagley Insurance and Financial Services, constantly strive to properly prepare our clients and educate them all of their coverage options.

Below you’ll find a list of the 3 most common life insurance questions:

1. Who is a Beneficiary?

The beneficiary of your life insurance policy is the person or party designated to receive the life insurance or annuity proceeds upon the death of the insured. The beneficiary is typically named when a policy is taken out and can always be changed at the request of the policyholder.

2. How are life insurance costs determined?

The cost of a life insurance policy is determined based on a variety of considerations. For one, mortality costs, or the costs associated with paying claims to the beneficiaries of insured people, is one aspect of a policy’s cost. Mortality costs have been steadily decreasing in recent years, due to the fact that people are living longer—this means a longer period of time in which premiums can be collected. Operations costs are also considered as well as the “return on investment” that the policy may offer the insurance company.

3. Will I have to be examined by a doctor to purchase life insurance?

Procedure varies from one insurance company to the next. It’s common, especially for new customers, to undergo a medical examine before enrolling in coverage, because it allows the company underwriters to properly assess and classify the level of risk and set the appropriate premium charge. Oftentimes, the exam will only involve basic medical tests and an overview of the applicant’s medical history; unless large amounts of insurance are being applied for.

Have further questions regarding your life insurance needs? Please don’t hesitate to contact Dagley Insurance and Financial Services, one of our life insurance specialists would be happy to help!

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