Hill Insurance Services

September is Life Insurance Awareness Month(LIAM).
2021 spoke person is singer/songwriter, producer humanitarian. She gives her testimony about the importance of the life insurance purchase at lifehappens.org.
Life is a precious gift that we should thank God for daily.
Life insurance protection can be more than just a survivor's benefit if you purchase your protection from one of the companies that bundles living benefits into the life insurance policy.
Living benefits include access to a portion or all of your policy's face amount in the event of a terminal illness diagnosis, a portion of your face amount in the event of a chronic illness(inability to perform two or more activities of daily living), a critical illness(heart attack, stroke, major organ transplant) and even a critical injury(brain trauma, severe burns, coma or paralysis).
Certainly, if any of these invaluable benefits are received by the policy owner, that individual would be able to focus on wellness.
Additionally, I represent one company that offers a lifetime income stream from certain policies which will enable you to receive supplemental retirement income.
With potential changes coming to social security benefits due to the pandemic of 2020 you should have a game plan in place and be prepared to find alternatives to benefits that were only meant to be "icing on the cake" when it comes to retirement income.
If you don't have one of these "modern" day policies and if you can pass underwriting to get issued one of these policies I recommend that you contact me and I would be happy to analyze your needs and make those recommendations for you.
Additionally, if you are eligible for one of these "modern" day policies you can request a 1035 tax-free exchange of your current policy(similar to an IRA rollover or transfer)into one of those new policies.
Please contact me at [email protected]

May is the insurance industry's Disability Income Awareness Month(lifehappens.org). This is also known as paycheck protection.
When was the last time you reviewed your disability policy?
Do you have a disability income policy? If not you're probably in denial that you will ever need it.
Where will the money come from to pay for your:M(mortgage or rent)Utilities and your Groceries?
You insure your auto, home, life so why wouldn't you insure your paycheck?
Even if you have disability income protection through your employer, you are eligible for additional protection as long as you don't exceed the maximum amount allowed based on your income.
Finally, if you are eligible for social security disability it will be based on you not being able to do any work that the national economy offers.
So, it is usually difficult to be approved. In fact, according to the social security administration, around 65% of applicants are denied benefits initially and the benefit amount only averaged around $1,258 monthly which is barely above the poverty line.
I hope this is a wake-up call for those of you who have been procrastinating the purchase of a "paycheck protection" policy.
I'll give you another good reason to purchase this invaluable protection and that is some companies offer a return of premium rider and if you accept it and you are claimless you will receive all of your premium contributions back at 67 or if you filed a claim you'll receive the balance of the amount that you were paid.
So, this is a win-win situation.
Please contact me at:tonyhillinsurancecom and I will give you a no-obligation quote

My goal is to provide protection for your life by serving you with various life insurance policies,pay check protection(disability income) policies,health insurance policies and s.w.a.n.(sleep well at night) annuities.
Please allow me an opportunity to be your Protection Specialist and I will do my very best to meet and exceed your expectations.