Unlike other advisors, Mr. Flanders does not provide instant insurance quotes! Instead, he takes the time to carefully analyze his individual client’s needs and make appropriate recommendations, and isn’t that what everyone should prefer? He is solution oriented, not sales directed.
In some cases, term life insurance is exactly right for a family. It will provide for the family in the event of an untimely death. Other times however, permanent life insurance is preferred if the family is preparing for future expenses such as college expenses or retirement planning. Everyone’s needs and objectives are different and it takes a special analysis to make the proper selection. In all of these events, one needs an advisor that holds your interests as their highest priority.
Long term care:
Age is not a determining factor for needing long-term care. That said, about 70% of individuals over the age of 65 will acquire at least some type of long term care services during their lifetime. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform two of the six activities of daily living (ADLS) such as dressing, bathing, eating, toileting, confidence, transferring and walking. It should be noted that when change of health occurs, long-term care insurance may not be available.
In its purest form, disability insurance is income protection. It ensures that the beneficiary’s earned income will be protected against the risk that a disability may create if the worker is unable to complete the core functions of their work.
Business insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage vary among insurers. Only careful analysis of the business needs will determine the amount of coverage and types of coverage necessary. One needs an advisor such as Mr. Flanders with years of experience in these areas.
Life insurance trusts are a sophisticated estate planning tool used by individuals to reduce their estate tax liability. With the uncertainty of future estate taxes, Mr. Flanders will analyze the risks according to your specific needs and make recommendations which will protect your estate for your heirs.
WHAT PEOPLE ARE SAYING
Michael wasn’t aggressive at all, which was a big deal breaker for me in the past! I have had many bad experiences with the sales process and I’m very hesitant on who I do business with. Michael took his time and gave me options that helped guide me in the right direction. I felt he was the best decision for my family and I.
I must say what a professional, friendly, and very knowledgeable man. He really knows the products and his ability to explain was phenomenal. Michael Flanders proved himself to be a top notch advisor. I appreciate the time he took to provide me with information and the follow up was outstanding. I look forward to working with him again and I highly recommend him as an advisor. Thank you!
Michael was very professional and knowledgeable. He truly cares about the wellbeing and future of his clients. I feel more confident interested knowing that when the inevitable happens my family will be secure.
Michael was very helpful I had a lot of doubt when it comes to buying life Insurance. I have had all my questions and concerns answered in a timely, caring manner. He helped me pick the package that would fit my needs. Michael really cares about what he is doing he looks at the long term and thinks about you and your family needs. Love his service!
When spoken to he explained everything clear to me better than other agents, I wish I had learned about long term care when I was younger and healthier.
He was a very polite young gentleman very informative and I’m satisfied with his service, I wish him the best in his career as a independent agent.
Michael is very knowledgeable and professional. He takes his job serious and regardless if he is my son in law or not I would always choose him for my insurance needs!