Business Solutions

Lurz Insurance offers solutions to help your business succeed and help your employees get the coverage they need. We have the flexibility to provide different levels of service depending on the needs and size of your business. These options are outlined below.

  1. AFLAC Group Contract

This is the most popular type of arrangement for small businesses and large corporations alike. AFLAC provides supplemental health coverage for employees and business owners. A group contract opens access to short-term disability and hospitalization policies, which are helpful during the present public health crisis. In addition, that company’s associates will have access to AFLAC’s entire line of products.

I often quote the statistics from a Harvard study that 62% of the personal bankruptcies in this country are a result of health care bills, and 77% of those bankrupted had health insurance. Medical insurance may cover bills associated with your care, but they do not provide lost income from the time you are not at work. AFLAC pays folks directly.

This means if an employee has a short-term disability policy and is sick or unable to work for a 3, 6, or 9-month period, AFLAC will provide a portion of her salary, which could keep her afloat during that time that income is not coming in. If a dentist breaks his hand and cannot work, he can use his short-term disability to either pay bills or hire a substitute to run his appointments so he can keep his practice open. If an employee has a heart attack, AFLAC will step in and provide a lump-sum payment that can help the employee’s family pay bills during his recovery. If an employee (or child of an employee) is diagnosed with cancer, AFLAC will pay an initial diagnosis benefit along with payments for each chemo or radiation treatment, each day in the hospital, and every surgery that policyholder undergoes. All at affordable rates deducted from an employee’s paycheck. It is great coverage to “set and forget” that provides protection in life’s darkest times.

AFLAC also has good life insurance coverage. With enough policies and employees on the roster, that life insurance can become simplified or even guaranteed-issue depending on the stipulations of the group contract and the size of the desired life insurance policy. For larger businesses, that is a substantial benefit to offer employees.

There is a reason why AFLAC is so ubiquitous on the television airwaves and the AFLAC Duck has become synonymous with helping injured and sick people. They have been on Ethisphere’s most Ethical Companies List for the past decade and donate hundreds of millions to fighting childhood cancer. When folks have cancer, heart attacks, or major injuries, AFLAC is an essential layer of protection to offer employees. Best of all, as a voluntary benefit, there is no direct cost to the business to offer it.

I have run enrollments for firms of 3-4 people and factories with over 100 workers. AFLAC is a solid company with flexible benefits that employees trust. Firms I represent have seen their recruitment and retention rates improve by being able to say, “We offer AFLAC”. If that is something you’d like to add to your voluntary benefits package, give me a call. It can be set up and ready to roll within less than 10 days or more than 60; AFLAC will work on your timeframe and fit the needs of your company-whatever the size and industry.

2. Individual Life and Supplemental Health Insurance

Some firms I represent prefer to let me work directly with employees to enroll in benefits, especially life insurance coverage. They might have many 1099 contractors under their umbrella, or they are small 1-2-man operations that are just beginning to expand their business operations. Either way, they prefer to send employees directly to me to enroll in their policies.

There are a few benefits to this as well as some drawbacks. For life insurance coverage, since I am contracted with eight different national carriers, I can normally find folks a good policy that they can get direct-to-consumer. They set up their payment from their own bank or credit card. It is portable, meaning they can take it with them, regardless of whether they stay with the company or not. There is no work for the business involved to set up payroll deduction or administer the benefits.

The drawbacks? For supplemental health policies, rates are better on a group contract. Many policies can be set up on a group contract to be deducted pre-tax. That is not available direct-to-consumer. Moreover, approval rates are better on group policies. For older employees or folks with health problems, they will have better rates on a group contract, even with the option to choose from eight different carriers.

3.) Group Life Insurance

Some firms are only interested in setting up a group life arrangement, without any supplemental health options. Group life has a simple premise: with enough employees under the same policy, risk is more evenly distributed. The more employees you have, the smaller the weight of any one individual on the pool’s overall risk to the insurer.

So, if a company that has over 30 employees would like to offer a $10,000 whole life policy to every existing employee, along with every new employee on the roster, sometimes a group life option makes the most sense.

Group life can be set up to be either voluntary or mandatory for participation, and either employee-paid, employer-paid, or some sort of split arrangement.

I do not set up these types of policies personally, but my contacts with different national carriers allow me to serve as a neutral point of contact for you. I can get quotes from the firms I represent and put you in contact with representatives of the large national carriers to set up a group life contract for you.

This is not an option I typically recommend. I’m more likely to recommend getting an AFLAC contract, since that provides guaranteed or simplified-issue life insurance along with the rest of the AFLAC supplemental health policy options.  However, I am aware that some businesses prefer to keep things simple and stick with life insurance alone. I am here to meet your needs first and foremost. If this is what you are looking for, Lurz Insurance will provide you access to some of the best group life options available in a competitive marketplace and do the comparison work for you.

Conclusions

Lurz Insurance offers flexible options for businesses of all sizes in numerous industries. You receive the personal service of a neutral, independent agent and have access to the power and size of Fortune 500 companies. If you would like to learn more about how Lurz Insurance can help your business navigate the insurance market, please do not hesitate to contact us.

Dr. Rudolph Lurz is a former teacher and football coach with over a decade of experience in education and a doctorate in Administrative & Policy Studies. His insurance firm offers options from numerous national carriers such as AFLAC, AIG, Americo, Mutual of Omaha, John Hancock, Foresters, Prosperity Life and Athene Annuities. He is licensed and insured in Virginia, West Virginia, Pennsylvania, Illinois, and Florida. He lives in Roanoke, VA with his wife, daughter, and cat.

Peeking at Presents: Getting a Life Quote from Lurz Insurance is Much Easier

My mother was a master at hiding gifts. She never brought them into the house when my brother and I were awake. When she brought them in from the trunk of her car after dark, she would keep them in bags from random stores. Just in case my brother and I were up watching. Every kid wants to see Toys R Us or Gamestop. My mom would roll in with Home Depot or Sears. Just to get us off the trail.

Once the gifts were in the house, they went straight to the closet, which was kept locked. If we were caught trying to get in, we’d get grounded. Trying to get a glimpse at what was coming for Christmas was like a montage of security clips from a classic heist movie like Ocean’s 11. We just gave up and just waited for Christmas. Thanks to my mom, I’ve got a mental binder full of notes on how to keep my own daughter from sneaking peeks before the big day.

The sense of curiosity to see what’s in the bag never truly fades away as we get older. But the willingness to put any effort into it certainly does. We get bogged down in our everyday lives. We’re interested in what’s in the bag, but we’re certainly not going to go out of our way to find out.

As 2020 (mercifully) fades into history, and 2021 arrives, it’s a great time to consider life insurance options. Especially if you don’t have any. I fully understand that if life insurance were in a bag, you’d want to know what’s inside. However, you don’t want to go through a lot of effort to see, and you certainly don’t want to submit any personal information to get it.

Years ago, before I bought insurance for myself, I can’t tell you how many times I got to the very end of one of those automatic quote generators, saw, “Speak now with an agent to get your price!” said, “Forget that junk” and hit the X button.

Now that I have my own insurance firm, I don’t have to use those same annoying tactics. I’ll show you what’s in the life insurance bag, you can decide if it’s a good fit for you, and I won’t even ask for your personal information.

If you’re curious about life options from multiple companies and want to take a look for 2021, send me an email at lurzinsurance@gmail.com. Just write your first name and your age. If you don’t want to tell me your name, just write your age.

In 24-48 hours, I’ll send you a summary of your options for you to check out. If you like what you see, we can talk further.

I know this isn’t as exciting as Christmas morning, but I also know you’re curious about what’s out there and what it costs.

Don’t wait any longer. Find out what’s in the bag and give your family the best gift this holiday season-security and peace of mind.

Dr. Rudolph Lurz is a former teacher and football coach with over a decade of experience in education and a doctorate in Administrative & Policy Studies. His insurance firm offers options from numerous national carriers such as AFLAC, AIG, Americo, Mutual of Omaha, John Hancock, Foresters, Prosperity Life and Athene Annuities. He lives in Roanoke, VA with his wife, daughter, and cat.

Rudolph Lurz Insurance

540-520-3069

lurzinsurance@gmail.com

Privacy and Security: The Lurz Insurance Protocol

As an independent agent, I know how important it is to protect private information. Lurz Insurance uses a defense-in-depth protocol to ensure that all private data is protected.

1.) Lurz Insurance never sells customer information. Never. Ever. Ever. It’s bad business and sleazy. I use Constant Contact to help prospective customers on my website submit requests for more information. That prospect data comes to me, and I don’t send it anywhere else. If you provide your information to me, via my website or anywhere else, that information is never sold. Period. (see following points)

2.) Lurz Insurance’s client information is stored off-line. I don’t keep your records in any cloud-based storage. They’re in encrypted files on my hard drive. No names appear on those files, only a numerical customer identifier. Physical documents containing client information are kept in a locked and secured location. In order to gain access to client information, someone would need both the customer identifier (in the encrypted files) along with the physical documents.

In short, one item is not enough. I learned these data-protection techniques protecting the anonymity and confidentiality of research participants in my doctoral program. I find they’re useful in ensuring your data is safe.

Furthermore, the information I keep on file does not contain sensitive information such as Social Security Numbers, payment info, or health records. All of that is handled and stored by the firms I represent. Which leads to point number 3…

3.) Policies are protected by the large companies that issue them. I’m an independent agent contracted to sell policies from companies like AFLAC, AIG, Americo, and Mutual of Omaha. When you buy insurance, your information is protected by some of the most advanced cyber security on the planet.

In conclusion, I carefully guard the small amounts of data I keep on hand, and when you buy insurance, those companies invest millions a year to make sure your most sensitive information stays confidential and protected.

Finally, if you don’t want to receive emails or updates from me, it’s easy to unsubscribe. Just call or text me (540-520-3069) or send me an email (lurzinsurance@gmail.com) and I’ll make sure you don’t receive any further communication from Lurz Insurance.

I wish we lived in a world that these type of posts weren’t needed. But I also want to let my clients know that their information is safe with me.

Best,

Dr. Rudolph Lurz

The Lurz Insurance Way

Education Instead of Sales: The Lurz Insurance Way

I have not seen a single episode of The Mandalorian. My wife quotes it often. I see memes on my newsfeed. “This is the Way” seems to be a common quotation.

So I’m going to give it a shot. Let me know if I get it right. Here I go.

(Stares at the camera. Long pause. Melodramatic tone.)

“This is the Way.”

The Lurz Way is different than most other insurance agencies.  It’s definitely different than other insurance agents. As a former teacher, it’s the only way I know.

Choices

When you seek out insurance options, you have a few choices.

1.) Do it yourself on the Internet

This isn’t a terrible choice. You can certainly find inexpensive and decent options researching online.

It is time-consuming. Most folks don’t have hours of free time to spend scouring the Interwebs for research and vetting. If you’re not in your area of expertise, it can also lead to bad decisions that are difficult to reverse. Online quote generators tend to give you a very inexpensive price for a large amount of coverage. You think, “This is great! Hooray Internet!”

You don’t realize that the quote for term life is for a ten-year term. Or it’s the rate for someone in ‘preferred plus’ health status, and comes after a medical exam, urinalysis, and blood draw.  Or comes from a small-time company and is loaded with restrictions and exclusions.

Now you’ve undergone a lot of tests, discover that you are standard rate, and sign up for a 10-year term policy anyway because the price is still pretty good, right?

They’re betting on the fact that it’s likely you’ll be around in ten years. Also, if there’s a 2-year exclusionary period, that 10-year policy is really a de facto 8-year policy.

You have purchased insurance. Now if anything goes wrong, and you have to make a claim, guess who’s doing the work? You are.

(Robot call center elevator music playing) “Your call is important to us. Please stay on the line.”

Ask Google is a good starting strategy. Talking with a professional is a better idea for when you are ready to make a final decision.

2.) Call a big firm

I like this option better than asking Google. You’ll have access to an agent and a firm with a good reputation. Look up the rankings of Ethisphere’s most ethical companies of 2020. You’ll find many insurance companies, including a few firms that I’m contracted with.

You’ll get a good policy. But is it the right policy for you? Insurance sales professionals at these firms all have sales targets and goals. They are leading you to a good product. But it might be better for them than it is for you. In addition, they won’t tell you to go down the road to a different insurance company that has a policy that fits you better. That would be as likely as a Honda salesman telling you that you should get a Jeep after you test drive an Accord.

3. Do Nothing and Assume You’ll Be OK.

This is the most common choice that I see folks make. Like I said in the previous post, it’s like a flu shot. It’s an annual physical. It’s getting your regular cleaning at the dentist. Folks put off looking at insurance and think they can look at it in a few months after things calm down a little.

#3 is definitely the wrong move. Don’t go through Door 3.

4.) Talk to a Licensed and Independent Agent

I’m biased. But I also think this is the best choice. I can show you different options from different companies. I’ll take the time to educate you about different paths you can choose. I’ll walk you through the pros and cons. I won’t push you to a specific policy from a specific carrier. That’s not how I do business.

I’m happy when you’re covered and protected.

Better still, I’ll pick up the phone or answer your email when you reach out. In the darkest times, the times you need your insurance agent the most, you won’t have to battle a call center or the monolith of a huge company. I’ll be your advocate and I’ll be here when you need me.

The Way

I prospect for new clients and ask existing clients to give me referrals for others that could be in the market for insurance. I don’t do much cold calling and I don’t use high-pressure sales tactics. When I see other agents get really obsessed with their numbers and push people into signing up for policies within a matter of seconds, I cringe. If you’re getting in a shouting match and putting the pressure on some random grandma you met 30 seconds ago on the phone, you’re doing this the wrong way.

That’s not how I do business. I spend my time building customized PowerPoints and Comparison Spreadsheets for potential clients. I answer questions. I service my accounts. Education is the biggest part of my job, which makes my background the perfect fit for what I do.

If you’re in the market for insurance, or even if you’re just wondering what’s out there, I’m here at my desk ready to help. No pressure, no games. You’ll have your PowerPoint and Comparison Spreadsheet within 24 hours and you can judge for yourself what fits you best.

I provide education and help when you need it.

This is the Way. I hope you’ll agree and talk to me soon.

Dr. Rudolph Lurz is a former teacher and football coach with over a decade of experience in education and a doctorate in Administrative & Policy Studies. His insurance firm offers options from numerous national carriers such as AFLAC, AIG, Americo, Mutual of Omaha, John Hancock, Foresters, Prosperity Life and Athene Annuities. He is licensed in Virginia, Pennsylvania, Florida, West Virginia, and Illinois. He lives in Roanoke, VA with his wife, daughter, and cat.

Flu Shots and Reset Buttons: The Time to Get Insurance is Right Now

Flu Shots and Reset Buttons

I got my flu shot yesterday. My wife had been nagging me for a while. American health organizations are warning that this coming flu season, combined with the Covid-19 pandemic, could create a dark winter of an accelerating public health crisis.

The CDC recommended getting a flu shot early this year, even as early as August or September, in anticipation of the dangers of a “twindemic” of common influenza strains and Covid-19. So why did I wait until mid-November?

Like many folks out there, life got in the way. I got busy. I put it off. I shrugged and said, “I’ll have more time tomorrow” on far too many of my yesterdays. Even on the day I finally got it, I was a split second away from ignoring the CVS Pharmacy sign on the right and driving home instead.

I got lucky. I’m protected now, but for several months, I was exposed. As an insurance agent, I see the worst events in life on a daily basis. I should have known better. I’m glad I’m healthy and I’m doubly glad to be protected. But I should have known better.

The time to get life insurance or supplemental critical care insurance is right now. With the flu shot, you can’t go back and get one after you get the flu. The same is true with insurance, and the stakes are even higher. Dying without insurance means your family has to rely on a “Go Fund Me” page to have a memorial service for you and pay your final expenses. In my line of work, I cringe whenever I see one of those on my newsfeed. I know things could have been different, and I also know that the amount raised will not come close to providing that family with what they need. Even if you scramble to find enough to pay for the funeral, how do you replace the lost salary? How do you pay the mortgage or save for college? For a few dollars a month in insurance premiums, the family could have focused on grieving instead of their budget crisis.

I understand putting it off. The same instincts that pushed me to drive past that pharmacy parking lot for weeks are pushing many of you to delay getting insurance. That’s not the right move. Take the first step. You don’t even have to buy insurance today. Just see what’s available and how much it would cost. Once you take that first step, the next step is easy. Before you know it, you’ll have a policy that fits your needs and gain the peace of mind you’re looking for. That’s more important than ever during these uncertain times.

As a former teacher, I’ll put all your options in a PowerPoint presentation. You’ll get information and pros and cons with each choice. You’ll see your price points on a customized spreadsheet. You won’t have to deal with a robotic call menu. It can all be done in 30-45 minutes.

Seeing what’s available is even more painless than getting that flu shot each fall. Life has no reset button. Don’t wait any longer. Send me a text or email today.

Best,

Rudolph W. Lurz

540-520-3069

lurzinsurance@gmail.com

Dr. Rudolph Lurz is a former teacher and football coach with over a decade of experience in education and a doctorate in Administrative & Policy Studies. His insurance firm offers options from numerous national carriers such as AFLAC, AIG, Americo, Mutual of Omaha, John Hancock, Foresters, Prosperity Life and Athene Annuities. He lives in Roanoke, VA with his wife, daughter, and cat.

Rudy’s Recs for Insurance Coverage

Your insurance is like a suit of armor. Your workplace might furnish a few pieces. It might give you most of it, if you’re lucky. It’s your job to supply the rest.

I tell my clients that it makes no sense to double up on areas while others remain undefended. That would be like going into battle with two breastplates but no helmet. Or strong armor on the limbs and a huge helmet but the lid to a trashcan protecting your chest.

You should find out what you have already and then call me to discuss the most cost-effective way to cover the rest. Most insurance analysts advise that good major medical insurance and good life insurance coverage should be your first priorities. Cover those bases before you even approach supplemental health policies.

Life’s too uncertain to ride around without armor.

Rudy’s Recs for coverage are:   

1.) Major Medical Insurance (Health Insurance) 

2.) Term Life

3.) Whole Life

4.)Catastrophic Coverage

5.) Accident and Injury Coverage

6.) Short-Term Disability and Long-Term Care

1.) Major Medical Insurance: My firm doesn’t handle major medical, but if you’re looking for an accident policy and don’t have health insurance, I’ll tell you to leave my office and take care of that first. If you have a limited budget, focus on your health insurance and make sure you have strong coverage.

2.) Term Life: Minimum 1-3 years of your salary that covers you through age 55.

Your highest-earning years are often in your late 40s and early 50s. You want to make sure those are covered by a good term life policy. If you earn $35,000/yr, and you’re 35, you’ll want at least a 70K, 20-year term life policy. These are often inexpensive, but they do have a deadline. Once your term expires, you can renew at the higher rate for your new age, let it expire, or look at other options like annuities.

3.) Whole Life: Term life is the most important life insurance policy for protecting your family and replacing your salary so they can pay the bills. If you’re single and don’t have a family of your own, you might want to start with your own whole life policy. 10-25K is necessary to make sure your final expenses are paid. The last thing you want to do is leave your family with nowhere to go other than a Go Fund Me page to pay for your funeral. Whole Life also builds cash value, which can be borrowed against for unexpected expenses. It’s a great thing to get when you’re young, because it becomes very expensive when you’re older.

That said, if you’re retired and have no life insurance at all, a final expense whole life policy should be your first priority. A $10,000-$15,000 bill (average funeral costs) is an unpleasant surprise for your loved ones who are already grieving your loss.

4.) Supplemental Coverage for Catastrophic Health Events: This is the one that most folks overlook. A devastating medical condition that requires extensive amounts of treatment and/or rehabilitation is even worse than death for your family’s budget. Not only is your income gone, but you also have massive costs that might or might not be covered by your major medical insurance. A 2007 Harvard study showed that 62% of personal bankruptcies were the result of healthcare costs. 77% of those bankrupted had health insurance.

I tell my clients to look at their family history as a GPS for what’s coming. Get Critical Care or a Cancer policy at least 10 years before the first family occurrence. If Grandma got cancer at age 48, get a cancer policy by age 38. If Uncle John had a heart attack at 42, get critical care by age 32.

Thankfully, these are some of the most affordable policies I offer. Get them before you need them.

5.) Accident/Injury: Accidents happen. If you blew out your knee rounding 2nd base playing softball, or broke your ankle on an uneven portion of the sidewalk, could you still earn a paycheck? More importantly, would the deductible or copay for treating that injury be higher than the cost of the policy? Spoiler alert: it is. The accident policy is more affordable than the out-of-pocket costs for treating those injuries. This is valuable supplemental protection that includes everything from an accidental death or dismemberment benefit to injuries from youth sports for families with children.

6.) Disability/Long-Term Care– Do you have something that would pay you a portion of your salary if you were out of work for 1-3 months? Especially during this public health crisis? Short-term disability is an important type of coverage to consider. Don’t wait months for federal disability to kick in.

1.4 million Americans are residents of nursing homes. That number rises every year as America ages. Medicare pays for 100 days. Medicaid has strict income and asset requirements.

The average nursing home stay is 2 years and 3 months. Average costs per year=over $70,000. 40% of people requiring long-term care are under 65-years-old. This year, roughly 60,000 Americans will be diagnosed with Parkinson’s. Average age? 60-years-old. 700,000 Americans will have strokes. Almost 30% will be under 65, and that number is likely to rise as a result of Covid-19 complications. Alzheimer’s costs for a lifetime run between $400,000-$700,000 depending on the level of care you choose.

70% of those over 65 will need at least some form of long-term care. 20% will need 5+ years.

A common strategy is to “spend down” to Medicaid eligibility. That requires liquidating assets that you’ve spent a lifetime accumulating. You also don’t have complete freedom to choose your facility. Your golden years should not be spent in a home that you didn’t choose with a random roommate you don’t like, and losing the legacy you spent a lifetime building.

If you want more freedom to select your level of care and protection for your assets, LTC is a vital option to consider. The average age for folks who purchase these policies=55-years-old. If you get it when you’re younger, it’s less expensive.

Conclusion

Want to build your own roadmap? Talk to me. Your quotes, policy summary spreadsheets and personalized PowerPoint presentation are all free of charge. Call or text me today at 540-520-3069, email me at lurzinsurance@gmail.com or set up an appointment at my Grandin Village Office in Roanoke.

Dr. Rudolph Lurz has over a decade of experience as a teacher, football coach, and doctoral researcher. He holds a doctorate in Administration & Policy Studies from the University of Pittsburgh (Ed.D. 2017). He is also a published author (Realms of Glory, 2017). He sells AIG, AFLAC, John Hancock, Foresters, Americo, Mutual of Omaha, Athene Annuities, and Prosperity Life products. When he’s not assisting clients, he enjoys golf, travel, reading, and touring breweries. He is licensed and insured in Virginia, Florida, Illinois, West Virginia, and Pennsylvania. He lives in Roanoke, Virginia with his wife, daughter, and cat.

Annuities Now Available

More exciting news from Lurz Insurance. I have just received my contract to sell annuities to customers in Virginia and Pennsylvania. If you’ve been contemplating the task of building an annuity and want to learn about some of your options, give me a shout and let’s talk.

Every new contract and carrier means more options for you-my customers. I am honored to earn your business. Let’s talk soon about making Lurz Insurance a one-stop shop for your life insurance, supplemental health plans, and financial security.

As a former teacher and coach, my primary job remains education. The world of insurance and annuities is confusing at times, and might seem too complicated to grasp. I’ll break it down into PowerPoints, One-Sheets, and personalized policy packets for you, so you have a clear understanding of what fits your needs. As a licensed and independent agent, I’ll always put your needs first and show you a number of different options.

Looking forward to hearing from you all soon.

Best,

Dr. Rudolph Lurz

540-520-3069

lurzinsurance@gmail.com

Listen to Ben Franklin

I was a teacher and football coach for over a decade. Now I’m educating my clients about insurance. As an independent insurance agent, my loyalty is to you. I will show you different options from trusted carriers and help you design the best plan for you and your family.

These are difficult times for families and small businesses. Covid-19 and flu season are affecting both public health and the family budget. Folks realize that they need insurance in this environment, but they don’t know where to start. I can show you what’s available for you right now. You can decide what to do with that information.

Ben Franklin once said, “There are three types of people. Those that are movable, those that are immovable, and those that move.”

The text or email will take 2 seconds. The call will take 5 minutes. Reading the personalized “1-sheet” of options will take 10 minutes. Applying for the policy will take 20 minutes. The peace of mind will last a lifetime.

Most of us are movable. Take the first step. See what’s available for you today.

lurzinsurance@gmail.com

540-520-3069

Exciting Events for Lurz Insurance

As an independent agent, I can offer you the policies that best fit your family and your budget. This month, I’ll be able to show you life insurance rates from numerous national carriers, in addition to the solid supplemental health and life policies offered by AFLAC.

I’m contracting with AIG, Americo, John Hancock, Mutual of Omaha, Foresters, and Prosperity Life. If you’ve been thinking of taking the necessary step of getting life insurance during these uncertain times, I can give you a truly thorough quote. You can feel confident that you’ve received the best fit for you and your family. My only loyalty is to you, the client.

Stop putting it off. Call me. If that’s not your style, send me a text or email today. The text will take two seconds. Looking at the quote will take two minutes. The application will take twenty minutes. The peace of mind will last forever.

lurzinsurance@gmail.com

540-520-3069

Don’t Go Fund Me

Your family shouldn’t have to rely on a Go Fund Me Page when life deals its blindside hits.

It’s never enough. In my profession, it’s the saddest thing I see on my news feed, because I know it could have been different.

Protect them. You can’t go back and get insurance after you need it. Life has no reset button.

1.) Term Life to age 55 (1-3 years of your salary if possible).

2.)Catastrophic Coverage. Look at your family history as a GPS and get Critical Care (heart attacks and strokes) or a Cancer Policy ten years before the first family diagnosis (example: if Aunt Bertha got cancer at 48, get a cancer policy by age 38).

3.) Disability and/or Long Term Care in case you are unable to work for an extended period of time.

4.)Juvenile Whole Life for the kid, and she can cash it out any time after age 18 or let it roll as a policy of her own. This one’s the easiest and the most affordable.

5.) Some form of guaranteed whole life or final expense policy so your loved ones don’t have to pay for your funeral out of pocket. This one is really affordable when you’re young and the first one to buy if you don’t have anything as a senior citizen. Hint: Hook up your kid with juvenile whole life and she’ll still be paying ridiculously low rates for this when she’s 80.

Look at your coverage like a suit of armor. If work covers some of these gaps, that’s awesome. It’s your job to cover the rest. If work doesn’t cover anything, then we can start with some basic armor that fits your budget.

It takes just 20 minutes to do the application. Send me an email or text today to set it up.

If you say you can’t afford insurance, then you definitely can’t afford NOT having insurance. Act now to protect your family. I’ll be by your side every step of the way, and help you choose options that fit your budget and give you peace of mind.

Don’t wait until Go Fund Me becomes your only choice.

Dr. Rudolph W. Lurz is an independent insurance agent licensed in VA, IL, PA, and FL. He left a career as a teacher and football coach to help protect people from life’s blindside hits. He lives in Roanoke, VA with his wife, daughter, and cat.

Contact:

lurzinsurance@gmail.com

540-520-3069