Showing posts with label state farm insurance. Show all posts
Showing posts with label state farm insurance. Show all posts

Sunday, May 12, 2013

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Business.com - Group Life Insurance Explained










http://www.business.com/insurance/

A look at group life insurance benefits for businesses in attracting and retaining employees.

BIO:

Loraine Lacey is an insurance producer with Freeman & Pearce Insurance Agency and the President of the Independent Agents and Brokers of Orange County.

TRANSCRIPT:

Hi, I'm Loraine Lacey, a commercial producer with Freeman & Pearce Insurance Agency and President of the Independent Agents and Brokers in the territory.

Today, we're going to talk about Group Life Insurance. Employers who are looking for quality group benefits really need to look at the Group Life Insurance piece. This is where each employee is given a particular amount of life insurance, usually on a term basis, after they have been on the job for at least 90 days. Some employers stretch it out to 6 months, but generally, it's on a 90-day period.
The term insurance is set-up on different categories. It might be for $5,000 or $10,000. Some of my employees' policies are $15,000. Then, it might be $20,000-$25,000 or expire at the age of 65. The policy is owned by and paid by the owner of the business. However, each individual employee on the policy is allowed to pick their own beneficiary. In the case of his untimely death, that beneficiary, then, will be receiving the full amount of his policy.

The IRS has a rule that says, "If the policy amount is over $50,000, then the employee must be responsible for the premium of the additional cost." In most cases, the employer takes the money out of his paycheck before tax dollars to pay that premium. Some policies allow the employee to add their dependents to the policy, which is a tremendous asset, because again, a lot of their families don't have life insurance. In this case where he adds his dependents, it is necessary for him to make that payment, also before tax dollars.

There is an excellent product that I would recommend that you think about if you're looking at group insurance, and that is a Guaranteed Issue Policy. If you've looked around the workplace in the last little while, you've seen how many people are really overweight. How many people have diabetes? How many people are unhealthy? Those particular people would not qualify for an individual-rated life insurance policy, so what a wonderful benefit if you have given them guaranteed issue life insurance. That really does show your employees that you care about them.

No matter the size of the business, it's the business that provides the best benefit that is going to get the best employees and the employees that stay, so call your insurance agent today. Ask him what it would cost to get you a really good group insurance policy.

I'm Loraine Lacey. Thank you for watching this video.

Group life insurance policies are:
• Owned/paid for by the employer
• Employees can designate their beneficiary
• Often written on a guaranteed issue basis


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Monday, April 22, 2013

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Monday, January 28, 2013

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Using Your Plan
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Wednesday, October 17, 2012

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Monday, October 15, 2012

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YouTube
Almost NO INSURANCE pays for it and the orthodontist gets $5000 in his/her pocket. I'm going to medical school because I love to learn about how humans work and medicine in general. hahahahahahahaha I'm a dental student and i think its pretty freaking funny. ... View Video

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The Dark Side of State Farm Insurance










The dark side of being a State Farm Agent.


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