First licensed in 1978, Robert M. Coleman-Calif. License #0563687, does business as Term Insurance Agency and Coleman Insurance Services. He worked as a direct agent for Great-West Life Assurance and Metropolitan Life before becoming a general agent.
The focus of his agency sales and service is on life, health, disability, dental, annuities, long term care, worldwide emergency medical coverage, retirement planning, and Medicare (Medigap) plans for individuals, families and small business owners.Bob Coleman, known as "The Insurance Man", uses the motto: "Insurance Designed To Last A Lifetime." Bob says, "I carry a Medicare insurance ID card.
The focus of his agency sales and service is on life, health, disability, dental, annuities, long term care, worldwide emergency medical coverage, retirement planning, and Medicare (Medigap) plans for individuals, families and small business owners.Bob Coleman, known as "The Insurance Man", uses the motto: "Insurance Designed To Last A Lifetime." Bob says, "I carry a Medicare insurance ID card.
Services
If you count yourself among the computer tech savvy, able to navigate the Internet, use email and make purchases online, you're ready to get the right kind and amount of life insurance to meet your needs. Follow a few steps to be prepared with the information you need to calculate the amount you need, select the type of life insurance plan to meet your financial needs, and apply for the coverage-all online.
Final expense life insurance is designed for individuals needing simplified or guaranteed issue coverage because of health or other underwriting impairments which prevent them from obtaining standard life insurance. In the case of guaranteed coverage, the full death benefit may not be available until the third year of coverage at amounts as low as $2,000 or up to $100,000 or higher.
Did you know your life insurance policy is an asset you own? It is just like your car or house. The Insurance Studies Institute estimates that 500,000 seniors a year will lapse their life insurance policies, walking away with little or nothing and leaving behind almost $100 billion in benefits. Why?
1. Deposit a lump sum into a single premium annuity and take systematic withdrawals to pay policy premiums. For instance, to pay a ten pay policy, make ten annual withdrawals to pay premiums. Most annuities allow a 10% annual withdrawal without incurring penalties. An IRA can be used, but there are penalties if withdrawals are made before age 59 1/2.
As part of your application for life insurance, a medical exam and health history questionnaire will be completed. The exam will be conducted at a time and place-office or home-convenient to you. Insurance companies use professional vendors called "paramed examiners" to collect the required data.
Expect to provide a blood and urine specimen, saliva swab, be measured for height and weight, a blood pressure test via cuff device, and a resting EKG reading via portable electronic device.If over the age of 60 or as determined by the underwriter, your exam may include a cognitive test to determine signs of senile dementia, Alzheimer's disease, or other cognitive impairment.
Expect to provide a blood and urine specimen, saliva swab, be measured for height and weight, a blood pressure test via cuff device, and a resting EKG reading via portable electronic device.If over the age of 60 or as determined by the underwriter, your exam may include a cognitive test to determine signs of senile dementia, Alzheimer's disease, or other cognitive impairment.
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