Josh Holmes Insurance

“In summer, the song sings itself.”

Most people overestimate the cost of life insurance. Industry studies have consistently found that consumers believe term life insurance costs 2–3 times more than it actually does, causing many to delay purchasing coverage. Contact us for a no cost consultation.

Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. It is an affordable way of ensuring that your home is paid for no matter the circumstances. Cancer, stroke, heart attack, injury, death—your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.

Wellness 101: Pursuing hobbies, learning new skills, or volunteering can provide a sense of accomplishment and cognitive stimulation.

Fast Fact: 34 percent of individuals aged 18 to 24 own life insurance, whereas 57 percent of individuals aged 65 and older own life insurance according to LIMRA’s Insurance Barometer Study.

Enjoy The Weekend! “Perfection is not attainable, but if we chase perfection we can catch excellence.”

With fixed annuities, you receive a specified rate of return because your principal is not invested in the markets, so your returns will not fluctuate accordingly.

How does term life insurance work? You pay a monthly or annual premium to keep the policy active. If you die while the policy is in force, your beneficiaries receive the death benefit. If the term expires and you are still living, coverage typically ends unless the policy is renewed or converted.

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

As your needs change over time, an independent agent can continue reviewing your policies and recommend updates or better options without requiring you to start over with a new company.