You can meet all of your insurance and investment needs through one person at Insurevest Corporation. Jim Labrec founded Insurevest more than 30 years ago to provide expertise from one agent representing multiple companies so that it is not necessary to go to several places to get the kind of products and services you need.
Since Insurevest is a totally independent company, and Jim Labrec is no one’s employee, he has the freedom to select the most competitive companies and products in an ever-changing market.
Some of your questions can be directly answered through the resource of information on this website including charts and financial calculations that may answer some of your questions about money and various investments and insurance.
Other questions will require personal attention. Jim Labrec is available to help guide you through the maze of advertising, puffing of products and only partially disclosed information.
Many people see the ads for term insurance boasting the lowest rates in history, etc. However, the truth is that only a partial amount of information is ever shown. First of all, the rates generally are the best preferred nonsmoker rates available, often the lower female rates. The problem is that only at the present time, just over 15% of individuals applying qualify for these rates. So what do you do when some licensed person on the telephone comes back with different rates and offers and you have already gone to the trouble of having interviewed on the phone and perhaps having taken a physical exam, etc.? You’re somewhat captured by the situation and can end up paying more than you should. You are qualified permanently on an inaccurate health basis. So if you feel totally confident about your knowledge of how much insurance you should have, you are at the best possible health ratings, and you know the type product that you want, then the online purchase may be for you. However, the majority of people need an agent to guide them through the process, particularly when it comes to choosing the right company should there be some health situation which makes them less qualified than the perfect preferred rate. This may be because of certain medications for blood pressure or cholesterol, smoking in the last three to five years, receiving a DUI or perhaps visiting a psychiatrist or chiropractor, or some other special treatment in the last 24 months. All of these are situations that that need to guidance by an insurance professional.
Right now there are more than 1800 mutual funds. There are many fine ones, all of which are up and down with the Market at any given point in time. Most of them, in the long run, have a history of having had a positive return. There is an art to being able to select any mutual fund rather than just a proprietary fund by an employee broker. The risk level that you can handle personally or that meets the time frame of your objective is not automatic with all of the funds. Many funds are designed for a specific need, whether it is a college education, retirement plan, or just a growth, savings investment during the working years. This is the advantage of having a professional with more than 25 years’ experience with up and down markets, and someone who does not represent a single company. Part of the fact gathering process requires an interview which assesses your needs and your risk comfort zone while gathering an understanding of your financial situation to enable the right fund selection.
Such areas as estate planning and life’s transition planning such as having children, changing jobs, nearing retirement, changing health, divorce, etc., all require review of one’s insurance investments and other financial vehicles. This is why you must take the time to select the educational credentials, the professional experience, and the personal integrity of your representative in whom you have confidence that they will listen to you rather than just tell you what to do. Jim Labrec’s knowledge and experience can save hours of your time and prevent you from making major mistakes!
You are invited to look over this website, click on some of the other services that are offered, and contact me at 615-599-9986 or by email at firstname.lastname@example.org. Don’t be afraid of a sales professional! I do sell products. However, I will never ask you to buy. My job is to gather information, answer your questions and then allow you to determine whether the planning in place now is to your advantage and to be sure the recommendations are within your affordability. You are in charge!