Micropolicies: Affordable Life Insurance for Peace of Mind

Today, let’s talk about a unique type of life insurance policy I call a micropolicy. While you may not have heard of this term, it’s a practical solution for many people.

What is a Micropolicy?

A micropolicy is a small, affordable life insurance policy—typically starting around $2,500 in coverage. You can:
   •   Pay for the policy upfront and be covered for life.
   •   Or opt for monthly payments (about $20 per month, depending on age and health).

Why is this important? Even small policies can cover essential final expenses, like cremation or basic funeral costs, giving your loved ones peace of mind.

Why Pay Upfront for a Micropolicy?

Most people don’t realize this, but monthly life insurance payments come with risks:
1. If Payments Stop, the Policy Can Lapse:
      •   If you become ill, hospitalized, or unable to make payments, the policy will dip into its cash value to cover premiums.
      •   Once the cash value runs out, the policy defaults—and all the money you’ve invested is lost.
2. Policies are Often Forgotten:
      •   Families unaware of your policy won’t step in to keep it active, leading to cancellation.
      •   An upfront payment eliminates this risk entirely.

By paying for a micropolicy in one go, you ensure coverage for life without any future payments.

Who Should Consider a Micropolicy?

Micropolicies are perfect for individuals who:
   •   Want to cover final expenses without a hefty life insurance plan.
   •   Can afford a small one-time payment to secure peace of mind.
   •   Are concerned about future income changes that could impact their ability to make monthly payments.

How to Qualify for a Micropolicy

I work with over 60 providers, and many of them offer these affordable plans. Here’s how you can get started:
1. Send Me Basic Information:
      •   Date of birth.
      •   First two initials of your name.
      •   Male/Female.
      •   Smoker/Non-smoker.
      •   Brief health overview (e.g., diabetes, cholesterol, or blood pressure meds).
2. No Medical Records Needed:
I don’t need your personal medical history—just a brief idea of any major health concerns. For example:
      •   “On meds for blood pressure, no cancer or circulatory issues.”

Even if you’re on common medications, you’ll likely qualify. If we hit any roadblocks, we’ll explore other policy options.

Simple and Convenient Process

Getting a micropolicy is quick and straightforward:
1. Text, Email, or Call Me:
      •   I’ve helped clients secure policies entirely via text!
2. Sign the Contract:
      •   I’ll send an email for your e-signature.
3. You’re Covered:
      •   Once approved, you’re protected for life.

Why Work with Me?

I’m your agent for life. That means:
   •   I’ll help you with beneficiary changes.
   •   I’ll check on your policy’s cash value.
   •   I’ll ensure you always have what you need.

I also delete any text information after your policy is active. Your privacy matters.

Get Started Today

Don’t wait around thinking about it—take action now:
   •   Visit estatechecklist.com to learn more.
   •   Email me at estatechecklist@gmail.com.
   •   Or request my phone number and let’s text back and forth to get this done.

Micropolicies start at $2,500 and go up from there. If you’re ready to take care of this, let’s talk. Check it off your list and enjoy the peace of mind that comes with life insurance