Still not sure – Is life insurance worth it? Don’t take our word for it. Listen to someone who has lived through a loss without it.

Love Insurance

If family is the most important thing in the world…you’ll plan and protect it with life insurance.

That’s why we say Life Insurance is really Love Insurance. You don’t get it because you want it for yourself. You get it when you worry about what would happen to the people you love, if you die.

Source: LifeHappens.org

Reading GoFund.Me

Reading GoFund.me – On May 21st 2018 I searched Go Fund Me to see how many times the word “Funeral” would show up. I was shocked that the result showed 916,952 times!

Today, July 31st 2018 the result has skyrocket up to 1,529,114. That’s a 67% increase in just 2 short months.

Families are being left devastated and under insured, with no options but to turn to public support for help. Reading area families don’t look forward to pleading for community support. Reading GoFund.me pages are preventable, simply by purchasing life insurance.

There’s many reasons we tend to put off our life insurance. I’ve found the most common reason is the cost. If affordability is an issue for you, I completely understand because I have been there, so I can help you.

Maybe you’re young and this isn’t your concern just yet. But just maybe it’s a conversation we should be having with your parents, who want and need to protect YOU.

I’m easy to work with. Call us today, and I will be happy to shop some companies, find you something that’s affordable, that protects you from needing to set up a Reading GoFund.me page.

Just remember, you can’t put a price on your family. But there’s a price on protecting them. I would greatly appreciate be the opportunity to protect your legacy. Let me know how I can help.

I Wish You’d Had Life Insurance …

We all have stories of life insurance (or lack of it) effects us when a loved one dies. For a colleague of mine, it was about five years ago, living out West with her husband and teenage son. One day, they received a call that their son had died in a car accident – he’d fallen asleep at the wheel.

Her husband (the son’s step-father), had to work the day of the funeral in order to scrape together the money to pay for the funeral.

I can’t imagine that. They couldn’t afford to grieve.

Six months later, tragedy struck my friend’s family again. Her husband died unexpectedly, again with no life insurance. With no way to cover the funeral or the mortgage any longer, she lost the house.

That’s right, within a year, she lost her son, her husband, and her house. She had no way to survive, so she had to move across the country and move in with relatives in North Carolina. It took her 3 years to get back on her feet.


My personal story is about what could happen to my family if something happens to me.

My first career was a s a biomedical scientist, but from about 2010 to 2015, I was living in an area where there weren’t jobs in my field, and I was broke. I had a wife and two young children who depended on me, and I was broke. The strain ruined my marriage, and I had to move to earn money to support my children.

I saw what financial problems did to my family, and the people that I loved. It broke my heart. I’m doing better now, but not so much better that I don’t worry about what could happen to them if I wasn’t supporting them financially. It kept me up at night.

Life Insurance (and Health Insurance) helps me sleep better at night.

I spend close to 10% of my income on life and health insurance because I want to sleep better at night. I want to know that:

  1. if I die, the money will still be there to allow my daughters to attend college.
  2. if I have a heart attack or cancer, I’ll have my medical expenses covered and money to continue supporting my daughters.
  3. I can affordably go to the doctor to make sure that (1) and (2) don’t happen.
  4. and I gain cash value with these plans that allows me to retire one day. I don’t want to have to work until the day I die.

I have three plans to help me do that:

First, I have a fixed indemnity plan as health insurance on myself, as an affordable way to see the doctor if something happens to me.

Second, I have guaranteed universal life plan on myself, with critical and chronic illness benefits, so that if I die, get cancer or can’t work any longer due to illness, I’ll have money to replace my income and (if necessary) bury me with.

And third, I have an IUL that grows interest on the cash value of my life insurance, so I can retire one day.

I have all of this, because I want to sleep better knowing my loved ones will be okay.

Dan @ Rhoads Insurance Group