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image of a life insurance applicationAllen Harmon Insurance Agent:  Do you own any life insurance?

Valued Client: Yes, I have $100,000 through work. 

Allen Harmon Insurance Agent: Did you know that you probably don’t own that policy? Usually, life insurance provided at work is owned by the employer, who cancels the coverage when you leave the company.  What happens if you get sick, lose your job, and your life insurance cancels because you aren’t employed anymore? How are you going to replace your life insurance policy when your illness makes you ineligible?

We pose this question many times to our clients.  A study by the Life Insurance Marketing Research Association (LIMRA) recently revealed that life insurance ownership by individuals is at all all-time low. According to the study, only 44 percent of American households own individual life insurance policies, even though 85 percent of consumers say most people should have it. 

Why the huge gap? First, consumers believe it is too expensive and that “we are already covered at work” (as you can see from the example above, that may not be the best solution). Second, they say they don’t have time to shop for it. Allen Harmon Insurance, through an exclusive arrangement with Cincinnati Life Insurance, has knocked down both of these barriers.

Your independent agent at Allen Harmon Insurance now offers an affordable life insurance policy that is easy to buy and is available to you without a medical review. It is called Guaranteed Issue Worksite Life Insurance. If your employer agrees to offer the program, you can buy it at your place of employment, deducting the premium from your paycheck. 

It is easy. It’s affordable. And it’s available to you even if you are sick. All your employer has to do is to sign a permission slip that allows us to offer the program at work. Then, they arrange for you to talk to an Allen Harmon Insurance agent for a brief period during your work day. There is no cost to the employer. You arrange for coverage with your agent for a policy that you OWN and sign a permission slip to have the premium taken from your paycheck.

It’s that simple. No physical examination, embarrassing health questions, or time spent after work shopping for coverage.  Guaranteed Issue Worksite Life Insurance from Cincinnati Life Insurance.  Ask your Allen Harmon independent insurance agent about introducing it where you work.

Call Allen Harmon Insurance at 269-441-5156 to learn more about life insurance in Battle Creek.

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