A few key factors to consider at what waiting could end up costing.

• Rates will never be lower than what they are when you are young.
• Do you feel you will be healthier in the future than you are today? Our health typically declines as we get older, it can take you from a preferred rate, to a standard rate, down to substandard, or even declined for coverage.
• As rates increase the cost over the lifetime of the policy could cost you thousand to tens of thousands just for waiting a few years to start.

I have talked with many clients over the last few weeks since the start of “Insure your love month” and one of the most common phrases, “I don’t know why I didn’t start this sooner”. Over and over I hear how they regret waiting, and in some of these cases, that waiting has made it so they can no longer get a policy.

As life insurance rates increase, it reduces the power of your dollar to multiply and provider higher coverage limits. If you are building a policy based on cash value growth, or tax strategies, every year you wait and think about it will cost you precious time and money down the road.

The simplest method to combat this, start an application today. If you think you need to think about it, so does the insurance company. They will evaluate the application and we can then see what you qualify for. You can get started and not pay anything till you are approved. Would it hurt to start a conversation?

Use the button below to book an appointment.

David Moliterno FSCP, AFIS

The post Waiting could cost you… first appeared on Moliterno Insurance & Financial Services.

The post Waiting could cost you… appeared first on Moliterno Insurance & Financial Services.

My family means everything to me, and its why I am so passionate for what life insurance can do. If you have ever experience the loss of a loved one, or witness someone close by, you will know what an impact their life can be. It can be even more devastating if that person did not have life insurance or the financial assets to leave behind.

After witnessing this with friends and clients, I never want to be in those shoe, or have my family go through that, and certainly don’t want to see my clients go through those struggles.

For this reason I have Life insurance, and this may sound corny, but Life Insurance is Love Insurance. These are just a few of the things my Love insurance means to me:

• My love insurance means my final expenses will be taken care of. (Funeral, medical and emergency expenses that might arise from my death)
• My love insurance will make sure the mortgage is paid and they can live in the home they have grown up in.
• My love insurance will keep the utilities going.
• My love insurance will always have food on the table, and money for special nights out.
• My love insurance can keep my dreams alive.
• My love insurance will provide funding for my wife’s retirement fund.
• My love insurance can help send my kids to college, their first car, or to help them start a business.
• My love insurance will provide a future that doesn’t have to be as hard without me.
• My love insurance will not replace me, but will allow me to do those things for my family if I am gone.

Do you need life insurance? If you Love someone, or owe someone the answer is yet. Applying for a policy can be simple, but getting good rates, or an approval all come down to you. Your age, and good health are what can get you a great rate, our in some cases disqualify you. Don’t wait till the choice of getting a policy is taken away from you.

If you want to explore options, have a life story to share, or simply just want to talk, give me a call. 234-254-5661

David Moliterno FSCP, AFIS

Here for you as a resource and a friend. Relationships with my clients are one of the most rewarding parts of my job. If you don’t think life insurance can benefit you at this time, please think of someone you can share this with that may help impact their life in a positive way.

The post Family is not an Important thing, it’s everything. -Michael J. Fox first appeared on Moliterno Insurance & Financial Services.

The post Family is not an Important thing, it’s everything. -Michael J. Fox appeared first on Moliterno Insurance & Financial Services.

I want to share personal stories, and stories from my friends, family, and clients. Life and death unfortunately are not an easy subject to broach, and for many of us we have fresh memories of the trauma of losing someone close to us. The past 3 years have been especially hard but have brought to our attention just how fragile life can be, and that every day we get to spend together is a blessing. I have lost dear friends, and clients and trust me, that call from the family never gets easier. These calls can go one of 2 ways, this can be the horrible news of “I’m sorry, but you Father/Mother, Husband/Wife never started that policy we talked about” or “I’m so sorry for your loss, when you are ready I am here for you so we can start the claims process”

The one silver lining that I can bring to the tragic event is the benefit of life insurance- this can mean different things for every client I meet with. During our consultation I get to know you, your life, and your dreams. What do you want your policy to do for you?

Life insurance to me means, my family will still have income, still be able to pay bills, able to stay in the home they are comfortable in, provide future funding for retirement or college education, but less commonly thought of, my policy will even be able to help while I am still alive.

Some policies come with hidden “super powers”, my policy can pay a benefit for medical events like stroke or heart attack. Yes you read that right. Even while you are alive you can receive benefits that can help you pay for time missed at work, or medical bills.

Once such story that hits close to home is my own family. Everyone involved is still alive and well, but I want to share this to illustrate how not all coverage is the same.

Nearly 8 years ago, I was just beginning to grow my family. I was sitting on the couch with my newborn only about a month old at the time. I received one of the most shocking calls of my life. My Mother was on the other end “your father is dead!” nothing from that point on felt real. I didn’t believe what I was hearing. My Dad could not be dead, he was only in his 50’s and I had just become a father myself. The whirlwind of emotions was overwhelming. The conversation with my mother became more and more frantic. I have 2 younger brothers that still depend on my parents. The youngest of them Douglas has autism and will likely rely on a caretaker for the rest of his life. My Mom quickly went from emotional shock, to despair of what the future would look like. “how will I take care of your brothers, how will I pay for the bill, or the home. How will I get to the hospital, I don’t have socks” by this point her mind was racing and apparently not thinking clearly. This went on for what seemed like forever, but in reality was about 10 minutes.

My Father was at a Church Softball Practice, and while up at bat, suffered a major cardiac event. Immediately collapsed, and was unresponsive, no pulse just gone. He is still with us today because of some quick cation, and nothing short of a miracle. Two of his team mates preformed CPR for over 15 minutes. The EMT’s that arrived have said to this day that they did not anticipate being able to resuscitate someone in his condition. We are all extremely grateful he was given a second chance and is still with us today.

I did not own my own agency at the time, and did not know what life insurance if any he had in place. Unfortunately he did not have a plan that could aid him in this event, such as one with a living benefit. After an event like that, not many insurance companies want to extend an offer of a policy to you either.

Everyone in my household now has a plan in place, even down to my youngest 5 month old. I want to make sure the choice to hold a life insurance policy is never taken away from them because of an unknown, or uncontrollable medical condition. We never know what day we might face a similar event, but I pray that before this happens to you, we make it our goal to review your plans, and make sure we are as prepared as we can be.

I have something to ask you, if you have a story that you are willing to share, please let me know. If you want to make a plan or want more information, please don’t wait until later, call or email me now.

-David Moliterno
Moliterno Insurance
234-254-5661

The post My Story- Insure your love month first appeared on Moliterno Insurance & Financial Services.

The post My Story- Insure your love month appeared first on Moliterno Insurance & Financial Services.

January 1st Is the start of so many things, but it’s also the anniversary of our 1st day as an agency. I often overlook it because here at the office it’s just another day of helping our clients.

This year we are rolling into our 6th year helping serve clients with the personal insurance, financial services, and business risk management.

We are here because people like you have shown how much our support and knowledge matter when making these important financial decision.

I am so grateful for my clients, partners, and family for helping me make 2022 one of the best growth years of my agency, and look forward to what some hard work and helping others can do for 2023.

-David

The post Happy 6th Anniversary first appeared on Moliterno Insurance & Financial Services.

The post Happy 6th Anniversary appeared first on Moliterno Insurance & Financial Services.

As the new year begins, it’s a great time to assess your insurance coverage and make sure it’s still meeting your needs. Life can change quickly, and it’s important to ensure that your insurance policies are keeping up with those changes and providing the protection you need. We’ll discuss why it’s important to review your insurance coverage at the beginning of the year and offer some tips for finding the right coverage.

Your needs may have evolved

If you’ve experienced any major life changes, such as getting married, having a child, or buying a home, receiving an inheritance or gift, your insurance needs may have changed as well. It’s important to review your coverage to make sure you have the protection you need. For example, if you’ve recently gotten married, you may want to consider getting both you and your spouse a life insurance policy. If you’ve had a child, you may want to increase your life insurance coverage to provide for your child’s future. And if you’ve bought a home, you’ll want to make sure you have the right home insurance coverage to protect your investment.

You may be overpaying

Insurance premiums can vary widely, and it’s possible that you could find a better deal by shopping around. Reviewing your coverage can help you save money on your premiums. It’s a good idea to compare quotes from different insurance companies to see which one offers the best coverage for the best price.

Your coverage may have lapsed

It’s important to keep your coverage up to date, and if you let it lapse, you may have to pay higher premiums to get it reinstated. Reviewing your coverage can help you avoid this situation. Make sure to check the expiration dates of your policies and renew them before they expire. Many policies will automatically renew, as long as you are making payments, however it is a good idea to check on them from time to time.

Conclusion

In conclusion, reviewing and updating your insurance coverage at the beginning of the year is a smart way to protect yourself and your loved ones. By taking the time to review your coverage, you can ensure that you have the right policies in place to meet your needs and that you’re getting the best possible deal. If you have any questions or need help finding the right coverage, don’t hesitate to reach out to our team of insurance experts. We’re here to help you find the protection you need.

This information was provided by a language model trained by OpenAI.

The post New Year, New Coverage: Why It’s Important to Review Your Insurance Policies at the Beginning of the Year first appeared on Moliterno Insurance & Financial Services.

The post New Year, New Coverage: Why It’s Important to Review Your Insurance Policies at the Beginning of the Year appeared first on Moliterno Insurance & Financial Services.

You can register here

The post Summer Giveaway! first appeared on Moliterno Insurance & Financial Services.

The post Summer Giveaway! appeared first on Moliterno Insurance & Financial Services.

Roots Salon and Wellness Spa pulled in the most votes. We wanted to thank everyone who made a nomination, and that took the time to vote for their favorite business.

Be on the look out, we will be announcing a date for the award presentation towards the end of the month.

Small Business

Small businesses are so important to the growth of our community, and we wanted to do our part as a small business to recognize some of their efforts.

Runner Up:

In addition to Roots we also had a close second place vote winner. Just Pizzelles. We hope that you will take a look into these 2 businesses, as well as explore and support all of the great hidden gems of our valley. It doesn’t take a big name business to make a big impact.

The post Roots Salon and Wellness Spa first appeared on Moliterno Insurance & Financial Services.

The post Roots Salon and Wellness Spa appeared first on Moliterno Insurance & Financial Services.

If you have not already voted please head over the the voting page and cast your vote for your favorite small business, to represent the Mahoning Valley. Businesses were nominated last month by our clients and fans, and voting will be open until the end of January.

Check out the current results and help out your favorite business by sharing the voting page or this email.

• Aebischer’s Jewelry Inc. 2
• Bake Me Treats 1
• BodyGoodies 1
• Branch Street Coffee Roasters 5
• Coccas Pizza Poland 2
• Coffee Shop at Ridgewood 2
• Ed Miller Signs 4
• Ghossain’s Bakery 0
• Ivory & Birch 0
• Just Pizzelles 66
• Komara Jewelers 0
• Maid in the steel valley 7
• McMurray Electric LLC 2
• Roots Salon & Wellness Spa 0
• Scarsella’s Italian Restaurant 0
• Spruce Home Decor 29
• Stone Fruit Coffee Co 3
• Sweet Arrangements Florist 0
• Sweets by Christine 0
• The Cafe at Wittenauer’s 9

The post Voting Now Open for Small Business 2020 Award first appeared on Moliterno Insurance & Financial Services.

The post Voting Now Open for Small Business 2020 Award appeared first on Moliterno Insurance & Financial Services.

2020 is right around the corner, and we already have so many amazing things underway for next year.

If you have not already nominated a small business for our 2020 Small Business of the year, follow this link to nominate your favorite local business before it’s too late!

Here is to a new year, and a new decade with your support!

Thanks,

David Moliterno – FSCP

The post New Year 2020 first appeared on Moliterno Insurance & Financial Services.

The post New Year 2020 appeared first on Moliterno Insurance & Financial Services.

From Mi (My) Agency and our staff we wish you a very Merry Christmas, and Happy Holidays!

This time of year can be overwhelming and hectic, but we encourage you to take a moment, slow down, and cherish the time with your family and friends!

Have safe travels and thanks again for your business and for staying connected with MiAgency!

-David Moliterno, FSCP

The post Merry Christmas first appeared on Moliterno Insurance & Financial Services.

The post Merry Christmas appeared first on Moliterno Insurance & Financial Services.