IK Ezueh - Life and Health Insurance Agent

You are not too young to purchase a life insurance policy. In fact life insurance is most affordable when you are younger and healthier.

For more information, contact me:
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IK Ezueh
Licensed Insurance Agent
Phone: 561-501-1540
Email: [email protected]
Web: www.allsurance.net

Licensed in AL, AK, AR, AZ, CA, CO, FL, GA, IA, ID, IN, KS, KY, LA, MA, MD, MI, MN, MS, MO, MT, NC, ND, NE, NJ, NM, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WI, WV, WY

Choose a company with a strong financial rating. That's because companies with the highest ratings offer more guarantee that they will have the finances to pay your claim.

Since we work for you, it is our job to help you choose the best policy from the most trusted carriers.

Living benefits essentially allow you to access money from your Life Insurance policy's death benefit while you are still alive. These funds can be used to pay for expenses associated with critical, chronic and terminal illnesses.

Ask your agent about the living benefits associated with your current policy.

Don't buy a Term Life Insurance policy that doesn't have the living benefits that matter to you.

A guaranteed insurability rider allows you to add more coverage to your policy in the future without a medical exam.

This add-on is particularly beneficial if you're younger since it allows you to increase your amount of coverage after certain life events e.g. birth of a child, job promotion etc

If you're retired or very close to retiring and feel the need for more guaranteed income than social security will provide, consider using a portion of the money from your 401(k) or IRA to buy an immediate annuity that will pay income for life.

A good buy-sell agreement will provide financial protection for your family while ensuring the continuity of your business.

Life Insurance purchase should be solely based on need. It is illegal for an agent to coerce a client into purchasing a policy for any reason other than need.

Churning is illegal. An Insurance agent should only change a policy if it is in the best interest of the customer.

As a general principle, insurance agents are fiduciaries responsible for acting on behalf of the client they represent and placing their interests above their own in all situations.