Honor Flight Network Sponsorship

Langlois Insurance Agency is excited to partner with Pekin Insurance to raise money for the Honor Flight Network. We will honor those who served in the military by supporting the Honor Flight Network, which was created solely to honor American veterans for all their sacrifices. Our hero veterans are transported to Washington, DC to visit and reflect at their memorials. It is a small tribute to those who gave so much – a memorable, safe, and rewarding Tour of Honor.

All of us at Langlois Insurance Agency feel that this is an incredible opportunity to express our gratitude and admiration for our troops who so valiantly served our country. Over the past year, Pekin Insurance has donated more than $100,000 to the Honor Flight Network.

So, how can you help us raise this money? It’s simple.

For every life insurance application that is submitted by Langlois Insurance Agency through mid-December, monetary funds will be donated to the Honor Flight program.

The Honor Flight Network has established an aggressive goal. Through the end of 2017, they transported more than 200,000 veterans to Washington, DC to see their memorials.  Due to the senior age of our heroes, and the prediction that we are losing approximately 800 of these heroes daily, the Honor Flight Network is committed to doing all within its power to make a veteran’s dream a reality.

So, if you have been thinking of purchase life insurance for you or a loved one, now is the perfect time to submit an application.  As always, please don’t hesitate to call me with any questions or comments.  I always love to hear from my customers.

Warmest Regards,

Matt Langlois

Langlois Insurance Agency

Is Employer-Sponsored Life Insurance Enough?

Is Employer-Sponsored Life Insurance Enough?

“Yeah, I’ve got life insurance where I work. I don’t need any more!” This is the #1 reason given to me by customers on why they don’t need to purchase life insurance. This is a real head-scratcher for me.

The trouble is, most people grossly underestimate the amount of money their family will need to survive should the unexpected happen to the household’s primary breadwinner.

Most individuals who work for companies that provide employee benefits have some amount of group term life insurance from the company. Generally, it’s either a flat dollar amount, like $25,000 or $50,000, or a multiple (one times, two times, etc.) of your salary. It’s also important to remember that the group term coverage only exists as long as you continue to work for that company. If you ever leave your job, or get sick and wind up in the hospital and are terminated from your job, then your group policy is no longer active.

In the months leading up to the September celebration of Life Insurance Awareness Month, the Life Insurance Marketing and Research Association conducted a study of how much life insurance Americans have today. The study found that a majority of Americans are underinsured and have far less coverage than what most experts recommend to ensure a secure financial future for their families.

Think about all the expenses you have on a monthly basis: mortgage or rent, food, utilities, cell phone, cable, gas for your cars, entertainment. Add them together and it can amount to a fairly significant amount of money each month.

While the $25,000-$50,000 in coverage that your group life insurance plan offers would certainly help your loved ones when you die, it’s not nearly enough to pay those monthly expenses for very long. Not surprisingly, many families in the study said they would not be able to last even one month without the breadwinner’s salary.

Buying life insurance won’t guarantee that you and your family will never face a tragic situation, but it will provide your family with financial protection so that whatever hopes and dreams you have can still be realized, even if the worst happens. Adding a term life insurance policy separate from what you may have through your employment makes good financial sense, especially if you have a family. There is no better time to update your coverage.

Talk to a professional insurance agent today to see how little it actually costs to protect your family.

Do it for the ones who will be left behind.

*Shout out to Pekin Insurance Blog for the great content for this blog.

Sincerely,

Matt Langlois

Langlois Insurance Agency

matt@langloisinsurance.com

Why I feel so strongly about Life Insurance

I am often asked why I feel so strongly about life insurance. For me, that’s an easy answer to a seemingly complication question.

This is my “why”.

I want to provide for these three in the event that something happens to me prematurely. If my children determine that college is the path that they want to take, I want it to be a feasible option for them even if I’m not around. If a medical emergency arises, I want to make certain that our health insurance is paid in full. If my son wants to play on the travel team for baseball, I want to ensure that there is enough money in the bank to cover this expense.

This is my “why”.

Although my wife works, if something did happen to me, I want to make certain that any and all expenses are covered. I don’t want her to struggle with funeral costs, bills, and the thousand-and-one expenses that seem to pop up on a monthly basis. I know that I can address these concerns by buying enough life insurance.
These are my “whys”.

What are your “whys”?

I always tell my customers, friends — really anyone that will listen — that life insurance gives your survivors options. The more life insurance you purchase, the more options your survivors have.

So, you can rest easy with financial security. And, really, there is nothing more precious than your family’s security. That is why having the right amount of life insurance is so important. A good life insurance policy can offer you peace of mind and be the cornerstone of your individual financial plan for the future.

But, if you’re like most people, you don’t know what life insurance plan is right for you. Do you need a whole life insurance plan? What about a universal life policy? Or maybe term life insurance fits your needs best?

Let me help you.

Langlois Insurance Agency specializes in life insurance, mainly because I strongly believe that it is so important. I can help you select the right amount of life insurance benefits to ensure your family is properly protected…and will do it at a premium that you can afford and are comfortable with.

What is your “why”?

Sincerely,

Matt Langlois

Langlois Insurance Agency

What are my Life Insurance Options?

I recently checked an item off my bucket list while vacationing with my family.

While I was soaring above the ocean with my lovely daughter, I felt so grateful for this beautiful life God has granted to me.

And, as we ascended higher into the sky, my thoughts turned to how I can always have my family protected. What other items can I add to my bucket list that will keep them safe and secure in the event that something happens to me prematurely?

Having sufficient Life Insurance coverage was the answer.

If my children determine that college is the path that they want to take, I want it to be a feasible option for them even if I’m not around. If a medical emergency arises, I want to make certain that our Health Insurance is paid in full. If my son wants to play on the travel team for baseball, I want to ensure that there is enough money in the bank to cover this expense.

Life Insurance. This is my ultimate “bucket list” item.

So, what Life Insurance options are available?

Whatever your situation – buying Life Insurance for the first time, nearing retirement, or looking to insure your children – Langlois Insurance Agency can provide protection for those you love. Just look at the many options we can help you explore:

Universal Life Insurance – Highly competitive and flexible with guaranteed death benefits and strong cash accumulation. Protection for your family, business, and everything else that is important to you. You can customize this coverage with valuable riders like Long Term Care, and more.

Term Life Insurance to 95+ – Guaranteed level Term Life Insurance features your choice of level death benefit term periods with guaranteed level premiums for 10, 15, 20 or 30 years and coverage expiring at age 95.

Preferred Whole Life Insurance – Fully guaranteed traditional Whole Life Insurance plan with five premium options. A Long Term Care Rider can be added to your policy so you won’t be dependent on your family to take care of you should you need Long Term Care in your later years.

Simplified Issue Whole Life Insurance – Traditional Whole Life Insurance plan with five premium options. Guaranteed cash values and premiums. As long as you are not confined to hospice or a hospital and are not terminally ill, you can be accepted into this plan.

Graded Death Benefit Whole Life Insurance – Traditional Whole Life Insurance plan with four premium options.

Transitional Life Insurance – A brand new concept in Life Insurance. Providing a high-level Life Insurance benefit during the years you need it the most, and ending with a guaranteed, paid-up policy that will be there for the rest of your life.

Single Premium Whole Life Insurance – What to increase the legacy you leave to your children or grandchildren? The death benefit is tax-free too.

Funeral Preplanning – Preplanning a funeral can offer family members peace of mind.

Credit Insurance & Debt Protection – This coverage can eliminate the worry associated with making your loan payments when those unexpected events occur that could cause a financial hardship to your family.

If you’re like most of us, you don’t know which of the above Life Insurance plan(s) is right for you.

Let me help you.

Langlois Insurance Agency specializes in Life Insurance, mainly because we strongly believe that it is so important. I can help you select the right amount of Life Insurance benefits to ensure your family is properly protected…and will do it at a premium that you can afford and are comfortable with.

As always, please don’t hesitate to contact any of us at Langlois Insurance Agency with any questions or comments.

We always love to hear from our customers!

Sincerely,
Matt Langlois

matt@langloisinsurance.com