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1. Make Sure Your Beneficiaries are Current.   I received a call from a client recently concerning her mother-in-law Who had passed. The primary beneficiary pre deceased the insured. No contingent beneficiary was named therefore this held up claim Payment.   Policy-owners can name anyone as a beneficiary, from their spouse, Or ex-spouse, to children, siblings, parents, business partners, A charitable organization or a trust.   Policy-owners may also designate a contingent beneficiary. This person or entity is a secondary recipient of the life insurance Policy payout.   The contingent beneficiary will receive the death benefit if the primary Beneficiary dies or cannot be found before the policy pays out.   Beneficiary designations need to be very clear and follow the Requirements of the life insurance policy.   2. Do Not Name a Minor.   When an insured lists a minor as a beneficiary, a life insurance claim...

Life insurance is essential if there’s someone you care about who would Suffer if you and your financial contributions were no longer in the picture. This could include a spouse, children, disabled family members, aging parents, or anyone else who depends on your earnings to make ends meet.   There are several different types of life insurance. But what they all have in common is that they pay cash to your loved ones in the event you pass away. This lets your nearest and dearest remain on firm financial ground even though your earnings have stopped.   From the mortgage to childcare costs to the weekly grocery haul, you already know that life comes with many expenses. We all do so much to take care of our loved ones in the here and now, but many people don’t consider how those left behind would manage if the unthinkable were to happen.   Over the years, we’ve heard from countless people who were extremely Grateful to have a financial lifel...

Extensive tree and power line damage across Winston County, AL following storms Friday, March 3, 2023 - 3:37:20 PM   WINSTON COUNTY - First responders have been very busy across Winston County Friday, March 3, after a powerful line of storms moved through the county mid-morning causing extensive wind damage.  This damage has been exacerbated by continuing high wind gusts throughout the afternoon.   As of  3:15 p.m. March 3, approximately 42% of Winston County's population was without power, but that number has been slowly dropping over the past two hours.  Over 6,000 Alabama Power customers in Winston County are without power, along with over 3,000 Cullman Electric customers.   The vast majority of Tombigbee Electric's Winston County customers are without power.   Power crews are out working to restore power as soon as possible.   Dozens of trees are down across Winston County, and road crews and fire d...

Been Turned Down for Life Insurance? Due to health or other concerns…   * Guaranteed Issue Term Life Insurance Ages 18-75 up to 50K of coverage. Available in 34 States Apply online today!   https://protectionpluslife.com/m/RexChilds   * Need Traditional Term Life Insurance? https://www.helloplum.com/agent/childs-806   * Need Health Insurance? www.HChilds.dontgouninsured.com   For More Information Contact…   Hayden Childs Independent Insurance Agent (205) 269-1382 shcmail34@yahoo.com www.haydenchilds.net      

I don’t call it "Life Insurance," I call it "Love Insurance." We buy it because we want to leave a legacy for those we love. - Farshad Asl   If a child, a spouse, or a parent depends on you and your income, you need life insurance. - Suze Orman   Every month that you send a check to the life insurance company, you're making a bet with them. Don't worry, one day you'll win. - Nitya Prakash   The grief is bad enough. Don’t leave the burden, To your family. - Hayden Childs