LifeBenefitsGroup

I started Life Benefits Group out of necessity because I believe today the best way to purchase life insurance is from an experienced local independent agent who represents many companies.

I was a "Career agent" for years. Career agents are employees who work for an insurance company. The problem I found was there were many insurance companies who had high ratings as well and when compared with an equivalent benefit, the premiums were lower in many cases! I started Life Benefits Group so I could offer something better for my clients.

Whether you're 50 or older and looking to protect your loved ones from the burden of funeral and related expenses or you have a growing family and want to protect your income until the kids are grown you've come to the right place.

Sincerely,

Chris Stewart

A life insurance agent is always expected to act in the best interests of the client. They're expected to use a degree of care, skill and diligence when advising clients on the most suitable coverage based on their needs and never mislead or misinform.

Here's an example: An agent will qualify for a sales bonus is she writes a certain type of policy for a client, but the policy is not suited for the client's needs. (The agent's own interests are inconsistent with the best interests of the client.)

In the above scenario, the agent isn't doing anything illegal but it could be considered unethical. Doing the right thing even when no one is looking is a Proverb with Life Benefits Group.

I have almost 20 years experience as a licensed life insurance agent. During the early years I worked for two nationally known insurance companies out of New York. This gave me a great foundation as a professional and a thorough understanding of life insurance products and their appropriateness in different situations.

Since, I have worked as an independent agent and contractor for a few other companies, most of which specialized in final expense life. In 2016, I started Life Benefits Group.

Finally, Agents are required every two years to complete 24 hours of continuing education as well. At present, I have completed 243 hours of coursework and this has greatly contributed to my expertise and knowledge.

Following the laws and regulations in the insurance industry is the foundation of ethical decision making and action.

As a licensee for nearly 20 years, I have not only complied with the laws and regulations but I've always made it a point to obey the spirit of the law. To date, I have ZERO complaints or enforcement actions.

Incomplete or dishonest information on an insurance application can be very harmful to the client. It's important to work with an agent who has an excellent track record, is knowledgeable and strictly follows the industry laws and regulations.

Please visit the Oregon Insurance Division to verify my license and history. License #5906075.

Many companies sell over the internet. Dial a 1-800 number or fill out a form online and voila, a policy. What's missing, however, is the peace of mind knowing you have a local agent.

Life insurers have made it easy to conduct business electronically. But, what separates Life Benefits Group is you have a local agent.

Not only do I live here, I only work locally in the Portland area. In addition, once a policy is approved, I offer the option of personally hand delivering the policy to my clients at their doorstep. This gives us a chance to safely meet in person outside, socially distanced and we'll both be able to put a face to the name. However, this is only optional and the policy can be mailed by the insurer.

Using sophisticated computer software, in minutes over the phone I can shop your rates with dozens of great companies to find you competitive rates.

All of the insurers I quote are top-rated insurance companies and many are nationally recognized brands.

Keep this in mind as well. Life insurance rates are based on underwriting by the insurance company. The rates are set. In retail, you might expect price differences from one store to another for an identical brand. Not so with life insurance. Whether you're quoted by an agent who has two million customers or 200, the premiums remain the same and so does the service from the carrier.

Insurance agents are responsible for collecting a combination of sensitive information that even a bank or doctor may not require. Information such as Social Security numbers, driver's license, medical history are routinely provided to the agent.

In addition to application data either written or electronic, there may be accompanying records such as questionnaires or other documents that detail communications.

Agents are required to maintain a file for each policy sold that includes work papers and written communications in his or her possession for the current year plus three years.

If you're 50 or older and would like to leave your family a cash estate to help cover funeral and related expenses and maybe something extra, there's an easy solution. Don't save it, create it! Saving is an attempt to "self insure" and rarely works. Besides, it could take years and what if you don't get the time you need? The government may only pay $255. And, you don't need credit, just a certain degree of health.

"Risk Pooling" is the secret to insurance and that's why it's so affordable and trusted by millions. There is no medical exam, affordable premiums that never increase, it's a simple application process and you may qualify even with a serious medical condition.

Take your annual income after tax and multiply it by the number of years until your children are 18 or 21 years of age. If something were to happen to you today, this is a simple way of calculating the financial loss your kids would experience. How would that change their lives?

Term life insurance is so affordable today there is simply no reason not to have a policy. Of course, it won't happen to you. That's how we all feel, including myself. But, life insurance has been around in America for 250 years and mortality tables have been proven. These tables will never be able to tell who will experience the loss but it is a statistical certainty how many will experience a loss year to year.

Give yourself peace of mind and the protection your family deserves. And, you'll hardly notice the out of pocket expense.

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Covid-19 Safety: All business can safely and securely be conducted by phone and electronic communication upon request. (503) 760-4611. Serving Portland, Oregon and surrounding communities.

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Protect your income until the kids are grown.

"A lot of my customers are also my friends." Doug Stewart.