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+1 (509) 939-3846
Office
frank@skawinsurancegroup.com

But I already have life insurance...

You may already have life insurance for your mortgage or line of credit, but it may not be enough to help ensure the long-term financial well-being of your loved ones. And while your employer may offer group life insurance as part of their employee benefit program, the coverage could be limited.

Credit protection life insurance

Credit protection life insurance, such as mortgage or line of credit life insurance, is designed to pay off the full balance or a portion of the balance you owe in the event of your death. This is very valuable protection, paid directly to the financial institution you borrowed from. Your family may still need funds to cover expenses such as funeral costs, medical bills, property taxes, home improvements and maintenance and the ongoing expenses of daily living.

Employee group life insurance

This can be an affordable way to get a modest amount of coverage – usually a small multiple of your annual salary. However, depending on your personal circumstances, it might not be enough. And, if you change employers, this insurance doesn’t automatically go with you.

The advantages of having your own Life Insurance policy

  • You can ensure you have the amount of insurance coverage that meets your personal circumstances
  • The policy is yours and, as long as you pay the premiums, can only be cancelled or changed at your request
  • You don’t have to worry about losing your coverage if you change financial institutions or jobs

Term life insurance can be an affordable way to get the additional protection you need.


© Copyright 2025
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Frank has over 35 Years of experience in the Life Insurance Industry. He and his staff helped affiliated agents and brokers place over 20,000 life, annuity, disability and long term care policies. Frank provides "Point of Service" sales work for agents all over the Pacific Northwest. He helps agents and brokers place difficult cases. In addition Frank works with his own personal clients who range from small term life sales to complicated business and estate planning cases.

Contact

(509) 939-3846

frank@skawinsurancegroup.com

9116 E Sprague B202, Spokane, WA 99206

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  • SELECT `a`.`id`,`a`.`title`,`a`.`alias`,`a`.`introtext`,`a`.`fulltext`,`a`.`checked_out`,`a`.`checked_out_time`,`a`.`catid`,`a`.`created`,`a`.`created_by`,`a`.`created_by_alias`,`a`.`modified`,`a`.`modified_by`,CASE WHEN `a`.`publish_up` IS NULL THEN `a`.`created` ELSE `a`.`publish_up` END AS `publish_up`,`a`.`publish_down`,`a`.`images`,`a`.`urls`,`a`.`attribs`,`a`.`metadata`,`a`.`metakey`,`a`.`metadesc`,`a`.`access`,`a`.`hits`,`a`.`featured`,`a`.`language`,LENGTH(`a`.`fulltext`) AS `readmore`,`a`.`ordering`,`fp`.`featured_up`,`fp`.`featured_down`,CASE WHEN `c`.`published` = 2 AND `a`.`state` > 0 THEN 2 WHEN `c`.`published` != 1 THEN 0 ELSE `a`.`state` END AS `state`,`c`.`title` AS `category_title`,`c`.`path` AS `category_route`,`c`.`access` AS `category_access`,`c`.`alias` AS `category_alias`,`c`.`language` AS `category_language`,`c`.`published`,`c`.`published` AS `parents_published`,`c`.`lft`,CASE WHEN `a`.`created_by_alias` > ' ' THEN `a`.`created_by_alias` ELSE `ua`.`name` END AS `author`,`ua`.`email` AS `author_email`,`uam`.`name` AS `modified_by_name`,`parent`.`title` AS `parent_title`,`parent`.`id` AS `parent_id`,`parent`.`path` AS `parent_route`,`parent`.`alias` AS `parent_alias`,`parent`.`language` AS `parent_language`,COALESCE(NULLIF(ROUND(`v`.`rating_sum` / `v`.`rating_count`, 1), 0), 0) AS `rating`,COALESCE(NULLIF(`v`.`rating_count`, 0), 0) AS `rating_count` FROM `teo96_content` AS `a` LEFT JOIN `teo96_categories` AS `c` ON `c`.`id` = `a`.`catid` LEFT JOIN `teo96_users` AS `ua` ON `ua`.`id` = `a`.`created_by` LEFT JOIN `teo96_users` AS `uam` ON `uam`.`id` = `a`.`modified_by` LEFT JOIN `teo96_categories` AS `parent` ON `parent`.`id` = `c`.`parent_id` LEFT JOIN `teo96_content_frontpage` AS `fp` ON `fp`.`content_id` = `a`.`id` LEFT JOIN `teo96_content_rating` AS `v` ON `a`.`id` = `v`.`content_id` WHERE `a`.`access` IN (:preparedArray1,:preparedArray2) AND `c`.`access` IN (:preparedArray3,:preparedArray4) AND `c`.`published` = 1 AND `a`.`state` = :condition AND `a`.`catid` IN (:preparedArray5,:preparedArray6) AND (`a`.`publish_up` IS NULL OR `a`.`publish_up` <= :publishUp) AND (`a`.`publish_down` IS NULL OR `a`.`publish_down` >= :publishDown) ORDER BY a.created DESC LIMIT 81.28ms162.78KBParams/libraries/src/MVC/Model/BaseDatabaseModel.php:144Copy
  • SELECT `c`.`id`,`c`.`asset_id`,`c`.`access`,`c`.`alias`,`c`.`checked_out`,`c`.`checked_out_time`,`c`.`created_time`,`c`.`created_user_id`,`c`.`description`,`c`.`extension`,`c`.`hits`,`c`.`language`,`c`.`level`,`c`.`lft`,`c`.`metadata`,`c`.`metadesc`,`c`.`metakey`,`c`.`modified_time`,`c`.`note`,`c`.`params`,`c`.`parent_id`,`c`.`path`,`c`.`published`,`c`.`rgt`,`c`.`title`,`c`.`modified_user_id`,`c`.`version`, CASE WHEN CHAR_LENGTH(`c`.`alias`) != 0 THEN CONCAT_WS(':', `c`.`id`, `c`.`alias`) ELSE `c`.`id` END as `slug` FROM `teo96_categories` AS `s` INNER JOIN `teo96_categories` AS `c` ON (`s`.`lft` <= `c`.`lft` AND `c`.`lft` < `s`.`rgt`) OR (`c`.`lft` < `s`.`lft` AND `s`.`rgt` < `c`.`rgt`) WHERE (`c`.`extension` = :extension OR `c`.`extension` = 'system') AND `c`.`access` IN (:preparedArray1,:preparedArray2) AND `c`.`published` = 1 AND `s`.`id` = :id ORDER BY `c`.`lft`163μs23.07KBParams/libraries/src/Categories/Categories.php:369Copy
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