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What’s the most valuable thing you own?Is it your house? Is it your car? Perhaps, it is something else?
The answer should be NONE OF THE ABOVE.
The answer is your LIFE!
With your LIFE you have the ability to go out and earn a paycheck and provide for your family and loved ones that you care so deeply about.
Your protect your house with homeowners insurance. You protect your car with auto insurance.
If you are reading this then you’ve already made the decision that protecting yourself with life insurance is an important priority for you and your family. Whatever the reason or whatever the motive, CONGRATULATIONS! This is a great first step!
There are probably many questions that you are asking yourself right now. What type of life insurance should I get? How much coverage should I buy? How much is it going to cost me each month? Can I afford it? What about if I smoke or have a pre-existing medical condition? And the list goes on….
Welcome to Stockade Insurance Solutions, an independent life insurance agency, where we provide the solutions to your life insurance needs. We will be your reliable and trusted life insurance partner that will guide you in answering your questions and assist you through the process. From getting a quote to finding the right life insurance plan to protect you and your family at an affordable rate. We are here for you.
We encourage you to go ahead and take a look around our site. We have various educational resources, calculators, and content to assist you with your life insurance decision. We pride ourselves in not providing you with all that annoying stuff like pop-up ads, selling your information to third parties, or being that annoying insurance agent sitting in your living room on a weekday evening trying to sell you an insurance policy after a long day of work!
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As of 2014, there were over 800 active life insurance companies operating in the United States and U.S territories. Now, while it is true that only a handful of these life insurance companies dominate and control the majority share of the life insurance market, how can so many life insurance companies operate and be profitable? The answer is simple. NO TWO LIFE INSURANCE COMPANIES WILL VIEW ALL RISKS EXACTLY THE SAME!
While all life insurance companies are willing and want to insure the young healthy adult with no medical condition, the truth of the matter is that this is only a small percentage of the life insurance market and adult population. Unfortunately, many people looking for life insurance often have adverse health risk factors. This is how life insurance companies will differentiate themselves on rates and pricing.
With so many life insurance companies available to you, if you’re not getting a quote from at least several different insurance companies, you are doing yourself a great disservice.
If you’re not entirely convinced, here are some of the alternatives:
While there may be some assurance that the company is highly rated, reputable, and has good products, who is going to make sure that it’s the best policy for you? How are you going to know if it’s the best rate? What if you have a medical condition and they decline you? Are they going to refer you to the competitor down the street who might offer you a better rate? The answer is probably not!
Going this route could be a very time-consuming and exhausting process, particularly if you go to several different insurance companies directly and have to take a medical exam for each one. Who has time for that?
Many of these websites are nothing more than marketing websites that will sell your information repeatedly over and over and over again. They work by taking your information and selling it to multiple insurance agents who will call you again and again trying to sell you their insurance product. Some of these agents aren’t even vetted which means they could be captive agents representing low-rated carriers or worse unethical agents with disciplinary histories. So, do yourself a favor, unless you like receiving calls at all hours of the day from random strangers or plan on changing your phone number: DO NOT SHOP FOR INSURANCE THIS WAY!
Many of these websites are one-trick ponies. By offering only term life insurance from a handful of companies (usually less than ten), they have enough variety to seem objective and unbiased on the surface. Unfortunately, if you’re looking for a different type of life insurance besides term, you’re out of luck. For someone who is young and healthy, you will probably get a competitive rate and be satisfied with the outcome. While this may be a better way to go than the first two options, it is not the best option.
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Independent: We are an independent insurance agency. We have access to dozens of highly rated insurance companies and are consistently adding additional insurance carriers. We can often provide quotes from life insurance carriers that won’t show up in your typical quote comparison engine. We work with life insurers both large and small, including public stock insurers, mutual insurers, and a number of non-profit fraternal insurers.
Experience: With nearly a decade of experience in the life insurance industry, we have developed the relationships, resources, and knowledge to handle complex and/or unique life insurance cases.
Confidentiality: As our valued client, you have the right to the highest level of confidentiality in regards to any and all information that may be disclosed to us. We are not in the business of selling, sharing, or disclosing your information to any third party. Period.
Transparency: We are impartial to any life insurance company. We simple strive to provide you with best rate for your particular life insurance need. We will happily do a screen share with you so that you can see the same information we see in real time.
Education: We will provide relevant and continuous insurance education because we believe that a knowledgeable client is an empowered client.
No sales pressure: We are not high pressure insurance agents. We believe in educating, advising, and assisting our clients to find the right policy for themselves. And if you’re not ready to make a decision right now, don’t worry. We’ll provide you with the answers to your questions so that you can have the information you need to make an informed decision.