For Scott Rider, it wouldn’t be a stretch to say that running was his life. In college he was a three-time Big Ten Champion, two-time All American, and later competed in the Olympic trials. His running sustained him as he charted out his career in financial services. It was also a constant as he and his high-school sweetheart, Kelly, married and raised their three children.

Running is also how he found out his life was changed forever.

It began subtly, when Scott’s toes didn’t “work as they should.” It eventually interfered with his running, and after several years of being misdiagnosed, he learned he had Parkinson’s disease.

“I remember the day I found out. As I stood outside the doctor’s office, on the sidewalk on a warm fall day, I knew my life—and my family’s—was changed forever,” says Scott.

His day-to-day routines have changed drastically since being diagnosed at 47. Cognitive and physical limitations mean he had to give up the profession he loved. And he now relies on Kelly to help him with tasks most people take for granted, like tying his shoes.

One thing in his life has not changed, however. He and his family have been able to maintain their lifestyle, thanks to the disability insurance he purchased. He got it when he was just starting out in his career and added to it as his salary grew.

His disability insurance now replaces a significant portion of the income he once earned. It has allowed Kelly to remain a stay-at-home mom and now be a caregiver. Plus it helps them meet Scott’s growing medical needs.

In addition, the couple has been able to put their three children through college and give their daughter the wedding of her dreams. They’ve even reached a retirement goal of moving to a warmer climate. All of this was made possible by Scott’s disability insurance.

“Without it, I don’t know where we’d be,” says Scott. “I feel fortunate that I understood early on that my income was my most valuable asset, and that I needed to insure it.”

Keep your lifestyle as close to normal as possible with disability insurance. Get a quote today!

Disability Insurance: A Life Changed, a Lifestyle Remains – Video Transcription

Scott Rider: There was something inside me that always loved the feeling and the sensation of running. I’d be out on the road for a run and my toes would start restricting. It didn’t take the doctor very long at all to say, ‘Scott, you have Parkinson’s disease.’

And I remember I stepped outside on the sidewalk with Kelly and I cried. And I knew right then that my life was going to changed forever. What I loved so much was taken away from me.

One of the biggest ways was the loss of my career. Before Parkinson’s disease I worked for 30 years as a financial advisor to individuals and small business owners. Ultimately it became very clear that I couldn’t continue to work.

I understood early on that my income was my most valuable asset, and I wanted to protect it through disability insurance. It’s expensive to live and those bills just keep coming and without disability insurance I don’t think I could have afforded for my daughter’s wedding and I wouldn’t have money saved for retirement.

My disability insurance was a combination of insurance provided through my employer, but I realized that that alone wasn’t going to be enough so I acquired individual disability insurance.

Having Parkinson’s disease changes life enough, but disability insurance makes it as close to normal as possible. I’m so incredibly grateful that my income continues and makes life possible for my family. It would look so different without disability insurance.

The post Disability Insurance: A Life Changed, a Lifestyle Remains appeared first on Quality Quote Insurance Solutions.

Summer was much like her name: bright, bubbly and energetic. She was also hardworking. At 22, she was managing her own household, working full-time as a waitress, while attending school with dreams of becoming a doctor.

She would stop by the insurance agency each month to pay her auto insurance and was always greeted by insurance professional Christie Trahan. One month, Summer revealed that she was expecting a baby. Christie was thrilled for her, but also knew she had to talk to Summer about something more serious: life insurance. Summer listened carefully, but said she’d think about it. Money was tight for the single mom-to-be; she also wanted to discuss it with her mother, Coleen.

After asking her over the course of several months, Christie told Summer that she felt she needed to ask one last time: “Are you sure you don’t want to buy that life insurance?” At $12 a month, Christie felt that it was affordable even for a working student. Summer agreed, saying that she knew it was the right thing to do, even though her mother had advised her to wait.

That was a fateful decision. Just nine months after Summer gave birth to Nathan, she was struck by a car while walking and killed.

After the accident, Coleen called Christie to ask if Summer had gone ahead and bought the policy. Christie assured her she had. Relief swept over Coleen, as she now had funds to give Summer a beautiful funeral. The death benefit also allowed Coleen to take a leave of absence from her job to take care of Nathan.

Nathan is now a happy 5-year-old, and Coleen has officially adopted him. She set aside the remaining money from Summer’s policy for Nathan to use for college. “I’m so proud of Summer for making that wise decision for Nathan,” says Coleen.

This story is a stark reminder that no one is promised a tomorrow, so the best time to buy life insurance is now. There are policies to meet every budget, and an insurance professional can help you “find the money” for this important coverage. Get a quote today!

Life Insurance Is the Responsible Thing to Do – Video Transcription

Coleen Stokes (Mother): Summer was just the best daughter that you could ask for. Just easy going, laid-back, fun. Summer went to college in Latvia and worked full time as a waitress. She was going to college in the hopes of accomplishing a Doctor’s degree in the medical field.

Christie Trahan (Licensed Insurance Professional): Coleen had a long relationship as a client here at this office and so Coleen came in with Summer one day. Summer was a newly licensed driver so I helped set up Summer’s automobile policy and that’s I met her initially.

Coleen: She was doing everything on her own. She had her own house, her own car, took care of her own insurance. She got pregnant in 2007.

Christie: I started talking to Summer about the life insurance during her pregnancy right at the beginning when I first out that she was expecting.

Coleen: Christie had offered for Summer to purchase life insurance. She said ‘Wait, I want to talk to my mom about it.’ Came home and asked me I told her to wait to buy the life insurance ’til a later time cus I know she was just making it every month.

Christie: Summer then came in later. And I talked to her and I said, ‘Summer, I know that you’re wanting to put off buying life insurance but we have some products here that are very affordable and can get you started for $12 a month. So I talked to her again and she decided to buy the life insurance that day.

Just the motherly instinct already in her said, ‘This is something that I need to do for me and my child.’

Summer was walking on the side of the road near her home and was tragically hit by a car and killed.

Coleen: At the time of the accident was 22 years old and she left behind Nathan. He was 9 months old at that time.

I felt like a part of me was kinda just gonna be missing or gone. I was worried I wasn’t gonna be able to be myself again. And so I just kinda had to regroup. I think in my heart I believe she’s still here in Nathan. She’s still here so it’s like… I deal with it like that.

Dannon Stokes (Stepfather): I was very proud of Summer for having bought this life insurance policy because it made life a lot easier in a time of tragedy like this for Coleen and I to plan her funeral, take of debts. It was a god-send.

Coleen: Having gone through this with Summer now, I think my advice to her looking back would’ve been a whole lot different. I think life insurance is worth that little extra. There’s such a lesson for young people to realize there’s no promise of a tomorrow. There’s not guarantees and you have to prepare for those ‘what-if’s.’

The post Getting Life Insurance Is the Responsible Thing to Do appeared first on Quality Quote Insurance Solutions.

Mark and Juanita Flechsing were high-school sweethearts who had the good fortune of turning that young love into a strong marriage. Mark worked hard on Alaska’s North Slope oil fields, gone for weeks at a time, while Juanita worked full-time back home in Wasilla. As they looked forward to raising a family, they knew they wanted protection for the “what ifs” in life, and that’s what lead them to consider life insurance. Like many couples starting out, Juanita admits they didn’t have a lot of money, but they sat down with insurance professional Robert Barrett, Jr., and he helped them get life insurance policies that fit their budget.

Robert also suggested they get a waiver of premium rider on their policies. This would ensure if they became disabled and unable to work that they wouldn’t have to pay the premiums on their policies. The couple agreed, and it’s a good thing they did. When Mark reached his late 40s, what his doctors initially thought was reoccurring pneumonia was in fact a serious type of lung disease. Doctors said he would need a double lung transplant.

That’s when Robert reminded the couple of the living benefits of their life insurance. Because Mark was ill and unable to work, the waiver of premium kicked in, and they no longer had to pay the premiums on his policy. Additionally, because of Mark’s grave prognosis, they were able to tap into the policy’s living needs benefit. It allowed the family to continue on financially.

“We were able to use money from his life insurance policy while he was alive,” says Juanita. “It allowed me to pay the mortgage and bills we were falling behind on, as well as the mounting medical expenses.”

Unfortunately, despite the transplant, Mark died three-and-a-half years later. The remaining death benefit from the policy continued to help Juanita as she navigated her life and finances without her husband. “The life insurance helped us while Mark was alive, and continued to help me after he was gone. I can’t imagine what my life would be like now without it,” she says.

Protect the ones you love for the unforeseeable future with life insurance. Contact QQIS now to get a quote.

The Living Benefits of Life Insurance – Video Transcription

Juanita Flechsing: Mark was a stand-up guy and he was a great dad. We wanted to protect our family financially so we got life insurance. It was something I forgot about until Mark got so sick and needed to have a double lung transplant.

Because Mark’s prognosis was so bad we were able to sue the money from his life insurance policy while he was still alive.

I didn’t know that life insurance had living benefits to help pay our mortgage and the mounting medical costs.

Robert Barrett, Jr. (Insurance Professional): When Mark purchased his life insurance policy, it had two important features. One being the waiver of premium that will pay the premium if you become totally disabled. The other being the living needs benefit rider. Because of Mark’s prognosis we were able to tap into the life insurance policy and those proceeds were able to help his family carry on.

Juanita: The lung transplant gave us three-and-a-half years. We got to make memories.

The life insurance helped us while Mark was alive and it continues to help us today. I can’t imagine what my life would be like without it.

The post The Living Benefits of Life Insurance appeared first on Quality Quote Insurance Solutions.

Topher Otake talks about the valuable lesson he learned about life insurance.

“My mother was my best friend. She was my mentor and my companion. Despite the 400 miles between my school and hometown, we remained close and spoke every day about my new experiences as a first-year college student.

Then came the morning of Parent’s Weekend. I was excited to hear that my mom was arriving, but instead I received a call from a state patrol officer. My mom had a heart attack in the car and had been rushed to the university’s hospital. Later that evening I held my mother’s hand as she took her last breath.

The months that followed have been the hardest of my life. In addition to the extreme emotional, intellectual and physical turmoil that comes with the loss of a parent, I was caught in a very difficult financial situation. My mom didn’t have any life insurance, so the financial burden of her death fell onto the shoulders of my brothers and me.

I was forced to move out of my college dorm room and get a job that offers housing and a meal plan, as well as a job serving tables to pay for school expenses and bills. I work 50+ hours a week while attending school full time. Now I worry whether I’ll be able to afford school next year.

The experience has taught me a valuable lesson. While we could never prepare for the profound emotional pain of losing a parent, we could have been better prepared for the financial burden. Life insurance would have eased the transition of life without my mother by taking the financial weight off of our shoulders.”

Getting life insurance is vital for your child’s future. Learn more about life insurance and contact QQIS today to get a quote.

A Valuable Lesson Learned About Life Insurance – Video Transcription

Topher Otake: My mother was my best friend, my mentor, and my companion. I was excited for her to come to my first parent’s weekend at college, but on the way a heart attack took her life.

Because she had no life insurance I had to move out of my dorm and now work 50 plus hours a week while attending school full time.

While my brothers and I could have never prepared for the emotional pain of losing our mom, with life insurance we could’ve been better prepared for the financial burden.

The post A Valuable Lesson Learned About Life Insurance appeared first on Quality Quote Insurance Solutions.

Kelli and Ron Franco met while working at a local grocery store, and over time a romance blossomed. Soon after they were married, they sat down with insurance professional Steve Edmondson. He helped them put their long-term dreams into motion by setting up a plan that included permanent life insurance, which offered both protection and a means to accumulate cash value.

Their family grew to include two sons, and Ron started his own concrete construction business. When the Francos were ready to buy their dream home, they tapped into the accumulated cash value of their life insurance policy to help with a down payment.

Then, when a dry spell hit his business and money was tight, Ron decided they should cancel their life insurance. Steve asked the couple to sit down and do a financial and budget analysis first. What they found was an even bigger need for coverage. Steve helped them find ways to cut unnecessary spending so they could afford to keep their permanent policies and supplement them with new term life insurance policies.

After the economy took another toll on Ron’s business, Ron told Kelli to cancel the life insurance. Kelli, who oversaw their finances, tapped into the accumulated cash value of their permanent policies to pay bills, including their life insurance premiums, to get them through this rough patch.

Her decision proved momentous. Just four months later, Kelli, who was only 46 at the time, died suddenly of heart failure. Ron’s grief was compounded by the thought that they would lose their home and the life they had built with their boys. Steve assured Ron that Kelli had not cancelled the insurance. “We worked hard for what we have and paid diligently. Life insurance made it possible for the boys and me to stay in our home,” says Ron.

As your life changes, so do your life insurance needs. Life events such as getting married, having children, buying a home and a job change may mean you’ll need more coverage. Learn more about life insurance and contact QQIS today to get a quote.

Life Insurance Keeping a Dream in Place – Video Transcription

Ron Franco: The first time I met Kelli, we met at a grocery store. I worked next to her for almost a year. Then one day she came in and I was standing on a milk crate stocking the top shelf. She asked me to borrow $100 to pay her rent. I said, “Yeah.” Pretty sure that was the first time I fell in love with her.

Kelli was fun and bubbly. She was excitement. We dated a little over six months and then I proposed to her.

Steve Edmondson (Insurance Agent): When they first got married is when they called me in. One of the things they said was they would love to one day buy their own home. And they wanted to know how they could map a plan to get them to that point.

Ron: We purchased universal life policies.

Steve: And they were able to use the cash value out of their life insurance as a big portion of the down payment for their home. Not too much longer after that, they had their first and second son.

Ron: We had two sons, James and Emmet.

Victoria (Ron’s Sister): Ron and Kelli’s dream was to own their own business together and raise their family.

Ron: So I went into a construction. Kelli helped me with the business. She ran the office. We were doing very well. In ’08, the economy took a dive. Things got very tight and we decided maybe we can cut out some of the life insurance. We invited Steve down for some advice.

Steve: We did a financial analysis and we found that there were places they could actually cut back that were a lot less important than cancelling their life insurance.

Ron: We decided to keep the insurance. Not only keep it, we increased it.

Suddenly in the middle of the night Kelli jumped up and grabbed her chest and she passed away in my arms.

Steve: What Kelli passed away it was actually heart failure.

Ron: She was only 46.

After Kelli passed away I was so distraught I thought we had actually cancelled the insurance, I didn’t remember that we had kept it.

Steve: Ron had thought that he and the boys had to move and the dream home that Kelli and him talked about when they very first got together would be lost.

Ron: Such a relief to know we did not cancel it.

Victoria: Life insurance feels like Kelli is still here and she is caring for her kids and shes’ still caring for her household and her husband. I believe that gives my brother a sense of relief.

The post Life Insurance Keeping a Dream in Place appeared first on Quality Quote Insurance Solutions.

At 45, attorney Peter Zatir attributed the fatigue he was feeling to middle age. Add to that a busy law practice and five active kids—the youngest just a year old—and it’s easy to see how he could have written off the early signs of a serious illness. When he finally visited his doctor, the diagnosis was grim. He had an aggressive form of thyroid cancer and was given less than a year to live.

As Peter lay awake at night, his financial situation was one thing he didn’t lose sleep over. When Peter and his partner opened their law practice, they knew they needed insurance advice and turned to Brent Kimball, CFP, CLU, ChFC, who convinced them to protect their incomes and the business with disability insurance.

Shortly after Peter stopped working to focus on fighting his disease, the individual disability insurance policy he purchased began paying a monthly benefit. A year later, Peter had outlived his prognosis, but knew with a damaged larynx that he could never return to the courtroom to litigate cases. Because the partners had set up a buy-sell agreement and funded it with a disability buy-out policy, Peter was compensated for his half of the business, and his partner became the sole owner.

An experimental drug reduced Peter’s tumor, which surgeons were then able to operate on. Now, almost six years after his diagnosis, Peter is doing better, and has been able to maintain his family’s standard of living. He continues to receive benefits from his individual disability policy, and his retirement is being funded thanks to an additional disability policy he had in place for that purpose. “I dread where we would be today if I hadn’t taken Brent’s advice,” he says.

As a business owner, you’re responsible for two families: the one you have at home and the one you have through work. That’s why it’s important to have disability insurance coverage to protect both. Learn more about disability insurance and contact QQIS today to get a quote.

Disability Insurance Gives a Way of Life – Video Transcription

Evamarie Zatir Fernandes (Sister): Pete is loyal, dedicated.

Melody Zatir (Wife): Very responsible, very strong, smart.

Peter Zatir: I was born in 1961, grew up in New Bedford, Mass. Working class family. Somewhere along the way decided that I was going to go to law school. Went into personal injury law. My wife and I, Melody, have 5 children so I knew that, you know, at some point I have to start thinking about life insurance and disability insurance personally as well as the fact that my partner and I doing pretty well in our practice making a good deal of money and we need to protect the value of the practice.

Brent Kimball (Insurance Agent): We went the a conference room and we shut the door and except for a small lunch break – maybe a half hour – we had an 8 hour meeting. We had put in individual disability, we had put in a disability buyout, we had put in a retirement plan, we put a life insurance buyout, and we also put life insurance in the retirement plan.

Melody: You have to plan for the unexpected. It doesn’t matter what you think you feel today.

Peter: In the spring of 2006, I noticed that I was feeling a bit tired over the course of the day.

Melody: And one morning out of the blue he hadn’t been feeling – well little things had been going on – and he asked me if I felt a lump on his throat.

Peter: The original diagnosis was what they called an anaplastic thyroid cancer which is a very aggressive thyroid cancer.

Evamarie: The doctor’s told him to go home and get his affairs in order. That he probably had less than 6 months to live.

Brent: What the doctors didn’t realize is he already had his affairs in order. All we really did was pull together some of the family members to actually sit down and make sure that we had it exactly the way we wanted it.

Evamarie: He underwent chemotherapy and radiation simultaneously which was very very devastating to his body.

Melody: They were fighting just to get us time. Just to get us time.

Peter: So ultimately it was decided that surgery was an option which was an extreme feeling of hope for me. I woke up, I saw my wife there.

Melody: He was blowing on his fingers and he said “I don’t have a tube?” I said, “No. I saw the news and it’s so good, it’s so good.”

Peter: My surgeon ultimately that the cancer was like a vine around my esophagus and my trachea and around my lymph nodes. They were able to peel it away without having to do the structural repairs that they anticipated. Unfortunately, however, I’ve been left with a completely paralyzed vocal chord on the left side so it’s very difficult for me to talk.

I’m at the prime of my life at 49, but I’m not able to exercise my profession. I’m not able to get out there and put on the suit and tie and go into courtroom and fight the battle. That being said, I’m doing much better. I’m spending a lot of time with my children. I’m focusing on my well-being.

Brent: After a year, the disability buyout called for him to be bought out from the firm. So he got his initial lump sum from that and he’s getting installments so we have about another year left on the installments and he’ll be fully bought out. And from the day he got the lump sum the practice went to his partner.

Peter: It’s important to do this kind of planning because life is full on uncertainties and life is full of risks. It enabled me to sleep better at night knowing that protection was in place. Without that protection I couldn’t fathom where me and my family would be right now.

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It was close to 11 p.m. the December night when boxer Oscar de la Hoya lost his fight to Manny Pacquiao. The Virgens were saying goodbye to their extended family after watching the match together. Still basking in the glow of family and good food, they headed off to their house. On the way, their pickup was slammed by a hit-and-run driver. The truck rolled over, pinning Nicolas and wife Teresa inside. Son Gabriel and daughter Mayra managed to crawl out and were only slightly injured. When rescue workers arrived, Teresa was already dead. Nicolas had three broken vertebrae and multiple fractures in his arms. “In one second your life changes,” Nicolas says.

After their injuries were tended to, the Virgens started picking up the pieces. Thankfully Teresa had life insurance to help them do it. Initially the couple wasn’t convinced that Teresa needed a policy of her own since she did not work outside the home. As a building contractor, Nicolas saw the rationale for his own life insurance. But their insurance professional Irene Henry made the case that there would be expenses if something were to happen to Teresa. “Think of all the things that Teresa does,” Irene recalls explaining to them.

The life insurance allowed them to pay bills while Nicolas was out of work for nearly two years recovering from his injuries, including an amputated finger. It also helped with college expenses for Mayra and her older sister, Susana. If not for the insurance, Nicolas is certain that his family would have lost their home. “It’s like Teresa is still watching over us and taking care of us,” he says.

It just makes sense to insure the stay-at-home parent. For example, a stay-at-home mom juggles almost 95 hours of work a week, according to Salary.com. It would take $112,000 to replace all she does—from caring for the kids, to managing the house, to juggling schedules. Contact QQIS today to protect your loved ones with life insurance.

Still Watching Over Them with Life Insurance – Video Transcription

Nicolas (Husband): I met Teresa in 1989 at church. She was a great singer. We spent about a year before we married.

Mayra (Daughter): My mom she was very caring. She loved to laugh, always laughed til she was like crying practically.

Gabriel (Son): Well my mom she expected us to do good in school. Really get a lot of good grades.

Irene (Insurance Agent): I met Nicolas and Teresa approximately 10 years ago. Initially we just wrote Nicolas’ life insurance.

Nicolas: I work, I get out of the house every day, driving all the time. Be on ladders, you know, ladders and scaffolding every day, so I decided to just get it for myself.

Irene: We look at educating policy holders. We want them to make well informed decisions. Nicolas’ original comment was “Well, Teresa, she’s a stay-at-home mom why does she need life insurance?” I said “Well you have three kids. If something happens to Teresa are you suddenly gonna stay home and be a stay-at-home-dad and do all the things that Teresa does?”

Nicolas: Finally Irene convinced me to get Teresa’s life insurance. Hispanic people we don’t want to get insurance because we think it’s for… we’re gonna leave the money for the wife or the kids. But I was wrong, I was wrong.

That day I received a call from my brother Pedro. He wanted to have a barbecue in the house. So, we barbecued. We had a good time. So I decided it’s time to go.

It was about 100 meters before the green light so I stepped a little bit [on the pedal] to pass the green light. Then somebody hit us. And you lose everything, you don’t know what’s going on. I see Mayra and Gabriel screaming, so I helped them to get out of the car. And I saw Teresa. She wasn’t talking. I knew she was dead already because she wasn’t moving or anything.

Pedro (Brother): He broke his neck. He got his hand really, really bad.

Irene: He lost his income by the fact that he became disabled. He had to stay-at-home and be with his kids as well. The life insurance continued to provide the opportunity to keep a roof over their kids’ heads.

Nicolas: To buy insurance policies is the best decision in my life.

Mayra: The life insurance has really help me go to college and accomplish my goals. My mom’s greatest wish would be for us to go to school, have a good job, not be out there wondering, you know, wrong paths with the wrong people. Just be good people in general, stay united as a family, and I think most importantly be happy.

Nicolas: She’s been watching us. I told her I’ll be taking care of my kids the way you wanted. Just go about yourself and go rest in peace, and don’t worry about the kids I’ll be taking care of them.

The post Still Watching Over Them with Life Insurance appeared first on Quality Quote Insurance Solutions.

They are a match made in country music heaven—Nashville, where they met working in the industry and then bonded over their love of making music. Their love has grown over the past 23 years, and life insurance has been an important part of their life together. As Kelley grew her new career in real estate and Doak focused on raising their daughter, Emma, they knew they needed the financial safety net that life insurance offered.

Tragedy struck, however, when Kelley—the family’s main breadwinner—found out she had a drug-resistant type of Parkinson’s disease. It has slowly robbed her of her ability to work, and now even to care for herself. Fortunately, their insurance professional Wallene Leek had made sure that Kelley not only increased her life insurance over time, but that it had living benefits as well.

Kelley’s term life insurance policies have a disability waiver of premium, which means she never has to pay another premium. And because her diagnosis is terminal, the family is able to access a percentage of the death benefit now. That has meant the world to the Sneads.

The family has been able to stay in their home, instead of selling it, and Emma has been able to complete school. What’s more, Kelley and Doak are able to spend what time they have left without the crushing burden of financial worry. “Kelley’s disease may have taken away her livelihood, but life insurance has saved our lives at this point,” says Doak.

There are a lot of factors that come into play when choosing the right life insurance policy beyond price. Contact QQIS today to learn more about these options.

Life Insurance for… Life – Video Transcription

Doak Snead (Husband): Kelley and I met at the Country Music Hall of Fame. Before Kelley got into real estate she’d worked in the music business and she’s also a great writer. Kelley’s voice is beautiful, it’s like an angel.

It was in 2009, she started having some pain in her shoulder and, all of a sudden, her handwriting diminished.

Wallace Leek (Insurance Professional): She was diagnosed with a very aggressive form of Parkinson’s Disease that was drug-resistant.

Doak: It progressed pretty quickly. In the last 3 years she’s lost her mobility. It’s terminal and she and I don’t think about it. We try and be positive.

Wallace: Kelley Snead was the bread-winner for her family. Doak, her husband, was more of a stay-at-home dad. Kelley made the decisions for life insurance.

Doak: She really wanted to protect Emma and I and she actually took out two policies.

Wallace: Both of the policies not only had the waiver of premium rider, but they also had an accelerated benefits rider. The waiver of premium kept Kelley from losing that life insurance when she was no longer working.

Doak: Because of the living benefits rider we were able to take an advance from Kelly’s policy, up to half of it. We used that money to pay off some debt and we put Emma through a trade school and we also cut Kelley’s CD with it. Cutting the record was probably the most important thing to her because one morning she realized, she said, ‘I’m not gonna be able to ever sing again.’

Wallace: Kelley’s story is a shining example of what life insurance should be able.

Doak: No one knows how much time Kelley has left. We’re just gonna pray that the good Lord has got a long time for this girl to live. Purchasing this life insurance policy was, I think, one of the most important things Kelley ever did in her entire life. And it was all for the love of her family.

The post Life Insurance for… Life appeared first on Quality Quote Insurance Solutions.

Life, however, intervened again. Judy learned that the breast cancer she thought she had beaten had returned and spread to her bones, which doctors said was terminal.

Insurance professional Melissa Mlasko met with the couple to help them with an immediate task at hand. They needed to transition to Medicare from the health insurance coverage they had through Judy’s work, which was due to end in several months when she retired. That’s when Melissa learned about Judy’s condition. As she explored the couple’s entire financial picture, it occurred to her that she might be able to offer additional help. She researched the group life insurance policy that Judy had through work and found that her coverage included an accelerated death benefit rider.

Given that her diagnosis was terminal, the rider allowed Judy to access 90 percent of her policy’s death benefit while she and Jim still had time together. That gave the couple incredible peace of mind, knowing that their last days together would be free of financial worries. Judy was also grateful that her husband would be well cared for financially, as the life insurance proceeds could supplement his retirement income.

“Without the life insurance, I would have had to sell our home,” says Jim. “There would have been no way to do it on my own financially. Life insurance is so important, because you never know when something is going to happen.”

Get a Life insurance quote today and see how easily it can improve your quality of life.

A Welcomed Benefit – Video Transcription

Jim Stacherski: Judy and I were childhood sweethearts. When I went in the army, I told her that I could be going to Vietnam so I don’t really want her worrying. And when I got out, she was already married. Then, apparently, she got divorced and I was divorced. And 30 years later she called me up and came to see me and 30 days later we were married. Yeah, that was meant to be.
We had been together for 8 years. She had a mammogram and it showed a tumor. She got breast cancer.

Marcia Emerson (Family Friend): She had the double mastectomy and she was clear for a while of the cancer. And then it came back.

Melissa Mlasko (Insurance Advisor): When Judy came to me, she knew she didn’t have very long to live. They were transitioning from Judy’s employer plan and then going on to Medicare.

Jim: Judy had life insurance through a group policy at work. So, Melissa said, ‘Well, does it have an accelerated death benefit.?’

Melissa: The accelerated death benefit rider is very important because a person is able then to obtain the money prior to passing away.

Jim: If Melissa hadn’t found that I would’ve had to sell our house immediately. So having that made it more comfortable so we were able to spend a lot of time together.
The doctor gave her two months to live. She asked God for eight years. That’s what she got, eight years.

Marcia: Judy died on December 7, 2013. I know it was so hard on Jim. And I know he felt like a part of his life had just been cut away from him.

Jim: Judy’s loss is hard enough let alone dealing with financial problems. And a life insurance just made it a whole lot easier.

Marcia: If he didn’t have that supplemental income that he was able to have from it, he would’ve had to sell their house and to move. So it’s made it possible for Jim to stay in the home and continue to have a place where he has these wonderful memories with Judy and do the gold mining that he loves so much. She’s still blessing Jim even though she’s not here physically.

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A mutual friend with a new dog brought Stephen and Katie together. Stephen had headed to his friend’s house to meet the new furry member of the family, and when he got there, he saw Katie playing with dog in the backyard.

“Katie was so outgoing,” says Stephen. “She was the nicest person you’ll ever meet.” That first meeting led to beach outings and concerts, and over time to getting married and thinking about starting a family. It was Katie who suggested they get life insurance.

Stephen admits he wasn’t too happy about the idea. They were young and healthy, so he didn’t see the point. Katie, however, convinced him to sit down with insurance professional Rose Goheen, who walked them through the process and presented them with affordable options. They both decided to get life insurance coverage.

When the couple welcomed Chase, they decided to reevaluate their life insurance. Given their expanding family and responsibilities, they both bought additional life insurance.

It was during her recovery from giving birth to Reid that Katie realized something was wrong. Her doctor confirmed her suspicion that the abdominal lump she felt was something much more serious. In fact, it was an aggressive form of cancer.

Katie, with the love and support of her family, valiantly fought the disease, but just over a year later it claimed this young mom’s life. She was just 30.

No words can capture the devastation that Stephen and his boys felt at Katie’s loss.”It’s horrible to lose your soul mate and best friend,” he says. “But I have two boys to support, and I want them to know their dad can carry on.”

Life insurance has helped with that process. “Nothing can bring Katie back, but having life insurance meant we didn’t lose everything,” he says. “I don’t earn enough alone to afford living in our house. Life insurance has eased my financial worries on so many levels.”

Thinking back to that first meeting with Rose, Stephen says: “Katie was the smarter one. She knew to plan for the future—our future—with life insurance.”

Contact QQIS today to protect your future with our Life Insurance products.

Protecting the Future – Video Transcription

Stephen Miller: I love my two boys. They’re my whole world. They’re everything to me, but being a single parent at my age was never a thought of mine.

My wife Katie she as the nicest person anyone could ever meet. We started our life together. We got married. When we started our family Katy wanted life insurance, but being young and healthy I didn’t think we needed it. It’s a good thing Katie got her way on that.

Shortly after our second son was born, Katie contracted ewing sarcoma cancer. No matter what we were positive, “You’re gonna make it.”

A year and a half after our second son was born, cancer took her life.

Rose Goheen (Insurance Professional): Katie was adamant about getting life insurance for her family. Some people think that because they’re young and healthy that they don’t need life insurance, but they do. Now Stephen can raise his sons without having to worry about money.

Stephen: Although nothing can bring Katie back the life insurance has afforded us to be able to keep the life that we had before she passed.

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