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TRADITIONAL WHOLE LIFE INSURANCE   That Offers “5” Core Values…   (1) Protection That Can Never Be Cancelled (2) Monthly Payment Will Never Be Increased (3) Coverage That Can Never Be Reduced (4) Has Immediate Coverage (5) A Policy That Will Earn “Cash Value”     And You Choose A Plan, And Monthly Payment, That Best Fits Your Needs   I Still Make House Calls!   Hayden Childs Alabama Licensed Agent (205) 269-1382 shcmail34@yahoo.com www.haydenchilds.net     “The Grief Is Bad Enough, Don’t Leave The Burden To Your Family!”        

Friend… If You Have Co-Signed Loans You Need Life Insurance!   Mary and Steve have a 24-year-old daughter named Amy who took Out $150,000 in private student loans to fund her law school degree.   Her parents co-signed the loans, wanting to give Amy a shot at her Dream career.   Amy graduated from law school, joined a great law firm, Had a baby and started paying off her student loans.   When she died at the age of 34 from breast cancer her parents Suddenly became responsible for about $120,000 (The balance on her loans) and their 2-year-old granddaughter.   Because they co-signed the loans, Mary and Steve were responsible For repaying the loan balance.   In some cases, the loan documents may include an acceleration clause that will bring the entire balance due at death.   Mary and Steve could not afford to pay off the loan and had to sell Their own home to settle their daughter’s debt. ...

Hello, I’m Hayden Childs I am based in Northwest Alabama. I am an Independent Life Insurance Agent… That means I work for YOU to find YOU the best deal in coverage available. I am thankful to be in an industry that is a  Blessing to people. You may be asking yourself … Hayden why are you an insurance agent? That one is easy … I am doing this because I want to be a blessing To people. I care about helping people meet their final  Expense and other insurance needs.   I am a Christian businessman and I conduct my Business in an ethical and professional manner.   I Believe in Life Insurance … If you have personal coverage you know what I am Talking about. In YOUR time of need YOU don't have to wonder "Where is the money coming from?" For YOUR final expenses. YOU know because YOU made a responsible choice And purchased life insurance and kept the premiums Paid.   Coverage for you and your family would pro...

I recently came across an old life insurance Advertisement… things have not really changed Much since the early 1900’s. - Hayden Childs, Agent   “Too Late!”   Sad words those… “Too late” … for they always Emphasize what might have been and should have Been but was not… especially in life-insurance.   In March, 1915, a man living in the north east wrote To a prominent life insurance company for information, This was promptly forwarded.   As he did not reply, other correspondence was sent Suggesting that he protect his family with a policy even A small one. He put it off.   Finally, in October, 1918 the insurance company sent an Interesting booklet entitled, “How much insurance ought I to carry?” Then, after more than three years and answer Came… not from him but from his wife,   She wrote…   “Your letters and your interest in my husband’s insurance Is appreciated, He died one week ago from pneumoni...

Fun is like life insurance; the older you get, the more it costs. - Kim Hubbard   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   Hayden Childs, Agent (205) 269-1382 www.haydenchilds.net                                      

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...