Just in the past few weeks, our agency has been touched by lives turned upside down. Whereby close friends (Ryan, John, Joi, Karen and Gabe) have suffered devastation from the accidental, and certainly premature, death of a close friend, a young child, a beloved spouse, a dear parent, even a well respected mentor.  All loved ones who made an impact on our lives, were adored unconditionally and who were revered by those around them.  It’s tragic for those close to the families too.  When this happens, we struggle for the right words to say that will lend some comfort.  We even establish benevolence funds and raise money to help with immediate expenses to help ease some of the suffering.  Sadly, in only one in five losses mentioned above, were we relieved to discover Life Insurance had been secured beforehand so the family would be able to carry on financially, following the ease of their emotional suffering.  That’s well below the national average.

So, why is Life Insurance always the last coverage we think about  when protecting our assets and our family?  We get dozens of calls each week looking for auto insurance, home insurance, even boat insurance and motorcycle insurance.  But, nary a call for Life Insurance.  Is it because we fear it’s too expensive? It’ll never again be more affordable to secure than it is the very moment.  Can it be confusing to think about and decide?  Not if your Agent takes the time necessary to explain all the details and benefits.  Is it upsetting to plan for the end of one’s life?  Certainly.  But, how does that even compare to what our loved ones will face if we’re not adult enough to face down the inevitable?  Perish the thought.

We encourage you to do the right thing for your family.  Don’t let a few dollars (quite often less than the cellphone bill) come between you, your legacy and your family’s recovery following your unexpected, untimely and most certain departure.  Oh, and lastly.  TELL EVERYONE YOU LOVE, that you made the investment in their future security and procured Life Insurance.  Don’t neglect to give your beneficiaries a copy of the policy for safe keeping and redemption on the days following your Home Going.  Be blessed.

Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

Let’s face it.  None of us buy insurance because we have some burning desire inside us to do so.  Those who do (and 24% of Tennessee motorists don’t), do it for reasons such as:

• It’s required by some higher authority (a lienholder we still owe, state law enforcement, even our parents)
• We want our vehicle repaired if we’re ever in an accident
• We want protection from the financial consequences and hardship that will come following an accident
• Some even do it out of some sense of responsibility to family and citizenship to others in the community (more rare with each passing year)

Seriously?  Come on!  We’re all careful behind the wheel.  We’ll never be the cause of an accident.  Why should we give our hard earned money to some “Fat Cat” insurance company somewhere, for some policy we’ll never use?  Why?  Because they’re called “Accidents”.  Realistically, if we could truly maintain total control over all things, all of the time, we’d have to change the term to Intentionals.  And, most assuredly, you’ll never have to buy insurance for Intentionals.  You may, however, need strong legal representation.

Every year, as the temperatures outside warm and summer approaches, we hear far too often of motorcyclist perishing in collisions with larger vehicles on our roadways.  Sometimes the motorcyclist was inexperienced or reckless and may have been at fault.  But, far more often, the cause was the motorist who “just didn’t see the motorcyclist”. Read more…