WHAT KINDS OF LIFE INSURANCE DOES
OMC INSURANCE AGENCY OFFER?

OMC Insurance Agency is an Independent Insurance Brokerage... 
I specialize in finding protection for those with difficult needs.  Such as someone needing life insurance but:
>>has medical issues
>>or works in a dangerous profession
>>or has felony background
>>or has a difficult driving history

I can find you life insurance coverage!  For people with such needs, I can help you apply for Life Insurance coverage even up to 89 years of age.... 
(If you have good health, I can help you apply for life insurance up to age 99)

I also find protection for those with healthy, safe activities, and backgrounds... The good news here is, I can easily find you coverage, and often at far better rates with highly rated life insurance companies!  I can find life insurance for clients from 15 days to 99 years...  For many clients, I can find coverage through "Term Life", "Universal Life", and "Whole Life" insurance products...  There is something to meet your needs and your budget.

I only sell life insurance from companies with at LEAST an "A-" rating (with only rare exceptions).  Most of my life insurance companies have been in business for over 100 years!  I check them out BEFORE I offer them to my clients... so no "surprises" to my clients.  Secure companies, Honest companies.... Fair pricing and fast service when it really counts.

What do you want from YOUR life insurance provider?

Contact me today for your FREE, NO obligation Life insurance interview!

What are YOUR reasons for insuring your loved ones?

As a family person, you may want to insure that if you die unexpectedly, your family can survive without your income / paycheck, and still be able to live at the level they were accustomed to at the time you were alive.    Help pay for babysitters, house mortgage, car notes, insurances, schooling, books, medical expenses, travel plans, college, etc.

As a business owner, you may want to provide enough capital to pay for the final expenses of closing your business after your death?  Or maybe your family will want to sell out your share of the business to your partner when you die, so your family can enjoy their life?  Or your partner may die, and this will allow you to buy out THEIR share of your partnership from their family?  (Buy - Sell agreements)

Maybe you have a key employee whom you can't get along without... How would you replace the income they provide for your company?  Company owned life policy on them.

When you die, do you want to leave a legacy?  Maybe leave a gift to your religious organization, your old "Alma matter", some other "non-profit" organization?

I have Life insurance options for you to do just this!!  No matter what your reasons for wanting life insurance, I have solutions for you!

>Why would I want to purchase life insurance?<

What is so important about buying life insurance today? Why not put it off till you are closer to dying? Surely there could be a better use for my money? I could invest money in the stock market. (Remember the stock market crashes and the collapse of the economy?) I could invest my money in Bonds? (US Savings Bonds pay out in 30 to 40 years?) I could put my money in a Savings Account (current rate for most banks pays less than 1% unless you have a substantial deposit)

Well, there MUST be somewhere I could invest it? Where could I put my money to make certain my family or loved ones are taken care of and my bills paid after I die?

How about LIFE INSURANCE?
Let's look at life insurance... Let's assume a policy will cost you $100/month because you are younger and in good health. Let's assume you purchased $350,000 of PERMANENT insurance. (It stays with you till you die, whether age 110 or the day after you receive your policy!) If you were to buy this policy, and the company accepted you, you would need to pay one or two month's premium to get it started.

Now let's say you died in a terrible car crash the next week? Your loved ones would receive $350,000. Since you were a younger adult, let's assume you had a spouse and 2 children... They pay off your bills, pay off the house mortgage, and put $200,000 into a savings plan or an annuity for the kids' education expenses...

But, let's assume the same scenario of events... EXCEPT that in this scenario, you decided to invest $100/month in a savings account?

Now let's say you died in a terrible car crash the next week? Your loved ones would receive $100. Since you are a younger adult, let's assume you have a spouse and 2 children... How will they pay off your bills, pay off the house mortgage, and put money into a savings plan or an annuity for the kids' education expenses... All from the $100 you so shrewdly invested in the savings account?
($100 deposited into a savings account for 3,500 months = $350,000. 3,500 months = 291 years and 8 months! Interest accrued might shorten the time needed to less than 150 years.)

Which would YOU say is a wiser "investment" of your time and money to protect your loved ones in case you die early? Which would allow you to sleep easier at night?

If you lived to be 170, would you be ahead by then? Perhaps... Shall we keep track and find out if you are one of the very rare people to exceed 109 years of age?

Contact me (Oliver Clement) for assistance
and with any questions you may have at:

Fax - 262-898-9591            Cell - 262-902-5714
P.O. Box 453,  Somers, WI  53171

Oliver.Clement@omcinsuranceagency.com


(Serving all of Wisconsin and Illinois!)