Thornhill Insurance Agency

06/03/2024

Meet Ashleigh, one of the newest additions to our team. She just passed her exam recently and has already been out in the field helping folks out. We're excited to have her on board!

👍🏼Giving her business page a Like is a quick and easy way to help support her as a small business owner. Her page is here:
https://www.facebook.com/profile.php?id=61559473559934

Anyways, here's what she's all about, in her own words:

"I am a licensed life insurance agent with a passion for helping families secure their financial future.

With a diverse background in the automotive industry, financial industry, human resources, and education, I bring a unique perspective to the table. Clients can benefit from my diverse background in a variety of ways:

With experience in the automotive industry, I understand the importance of protecting your assets and ensuring financial security in case of unexpected events.

In the financial industry, I have a strong understanding of how different financial products and strategies can work together to create a comprehensive plan.

My background in human resources gives me insight into the importance of employee benefits and how life insurance can play a crucial role in this.

Lastly, my experience in education allows me to effectively communicate complex insurance concepts in a way that is easy to understand.

Overall, my diverse background allows me to provide a well-rounded and personalized approach to helping families protect their financial future."

05/04/2024

For all of our clients or potential clients using Ozempic for weight loss, here's a good article highlighting some of the side effects.

Keep an eye out for these happening to you and as always, discuss with your doctor.

Despite their undeniable slimming effects, injections of semaglutide - branded as Ozempic and Wegovy - have been linked to a catalogue of side effects from the embarrassing to potentially life-threatening.

01/30/2024

Something we wanted to start doing here is highlighting some of our clients who are small business owners.

Today's business is Weldon’s Cleaning Services, ran by Sonya Weldon in Alabama.

We've talked with Sonya several times over the last few months and it's always a pleasure. The link to her cleaning services page is below. Remember: Page Likes go a long way in supporting good people who own small businesses!

Weldon’s Cleaning Services
https://www.facebook.com/profile.php?id=61554496305489

A reputable cleaning service of 25 years, locally owned and operated by Sonya Weldon.

11/15/2023

Cancer can be approved for Day 1 coverage (no waiting period) and no medical exam required. Some notes on this case:

---- Breast Cancer
---- Stage 1a
---- 20+ radiation treatments
---- last treatment November 2022

There's no other company that approves immediate coverage if cancer treatments are within the last 𝐓𝐖𝐎 years. This company approves stage 0 or 1 cancers 𝐞𝐯𝐞𝐧 𝐢𝐟 𝐭𝐡𝐞𝐲 𝐚𝐫𝐞 𝐜𝐮𝐫𝐫𝐞𝐧𝐭𝐥𝐲 𝐛𝐞𝐢𝐧𝐠 𝐭𝐫𝐞𝐚𝐭𝐞𝐝.

Request a free consultation:
https://www.thornhillinsuranceagency.com/get-a-quote

10/31/2023

We're still seeing way too many misleading life insurance advertisements out there and we get a lot of messages asking about them... so here's an example that should help with setting realistic expectations:

➡️ Life insurance is about transferring your financial risk to the insurance company, for a fee.

➡️ So let's say someone is 50 years old and wants a $100,000 whole life policy, but they don't want to pay more than $30/month.

$30/month = $360/year. Even if the person lived another 70 years to age 120, that's $360/year x 70 years = $25,200 in payments to the insurance company.

❓ Would you offer someone $100,000 in exchange for $25,200? Absolutely not.

💵 Not only that, the insurance company is going to pay that full $100,000 to your family once the first payment is made. That's a huge amount of financial risk.

So it has to be a FAIR exchange for it to work. If it sounds too good to be true, it probably is.

And this example is overly conservative. If the average life expectancy of a nonsmoker is around 80 years old, then a 50 year old is expected to live 30 more years, not 70.

📩 If you want to find a REAL policy that eliminates the financial risk for your family, send us a message and we'll take a look at what's out there for you.

https://www.thornhillinsuranceagency.com/get-a-quote

09/22/2023

Since we do get this question on occasion, I figured we should share this here on our page:

We have a certificate of accreditation by the Better Business Bureau, through North American Senior Benefits, Inc. and we've been assigned an A+ rating.

We do want to note that North American Senior Benefits (NASB) started and specializes in these life insurance benefits for seniors (age 50+), but the insurance companies we have contracts with have a very wide range of policy types and ages covered...

Our insurance providers offer policies with new applications starting from age 0 up to age 90. So we are able to serve pretty much everyone out there, not just our seniors!

https://www.thornhillinsuranceagency.com/better-business-bureau

09/20/2023

Big news on the life insurance underwriting...

Thanks to one of the insurance companies we are contracted with and the updates they have made to their policies, here are the health conditions that can now be approved for immediate coverage, no waiting period.

Our website is updated as well
https://www.thornhillinsuranceagency.com/health-conditions

09/13/2023

✅ Prescription Discounts (up to 80 %)
✅ Free to use
✅ No sign-up required

Hey Everyone, we've recently teamed up with a company who offers a free prescription discount card.

The prescription costs when using this card are consistently lower than the other discount card programs... and we're always going to do what's in the best interest of our clients... so enjoy the savings!

Here's how it works:
--- Present the card when you go to the pharmacist
--- Ask for a discount on each prescription
--- Save up to 80%
--- Use over and over! This card does not expire.

The free card will always be on our website here as well:
https://www.thornhillinsuranceagency.com/prescription-discounts

f you want to check prescription prices, you can search by prescription name, dosage, and quantity, specific to your zip code in the link below:
https://rxhacker.com/Pharmacy

08/31/2023

🌎 We've been busy so this post is a little bit late, but as of 8/11/2023 we are now licensed in California and Louisiana.

💸 Referral Program 💸

If you know anyone who needs assistance with a life insurance policy, let us know and we'll hook you up with gift cards of your choice:

🎁 We offer $20 gift cards for each person you refer who applies and gets approved.

Send us a message if you'd like to participate.

https://www.thornhillinsuranceagency.com/locations

06/14/2023

Here's just one example of the benefits of working with an independent insurance broker when looking for a life insurance policy (and our service is NO cost to you as well)...

A comment we get frequently:
"Insurance Company X gave me a great quote and the application I signed had that same monthly rate, so that's what I got approved for"

Sometimes that's correct, but here's what usually happens:

--- They'll receive their policy documents, but they won't review the details.
--- They won't pay attention to their bank account and what was actually drafted.
--- They end up paying a much higher monthly premium for a policy that is not nearly as good as what they thought they signed up for.

So HOW does this happen?

--- The agent quotes them the best possible rate (usually referred to as the "preferred rate"), even though they won't get approved at the preferred rate with a certain health condition they have.

--- On the application, the agent will write in that rate quoted, BUT they will also check the box for "Check here if you are willing to accept any plan shown above"

--- Once the application is processed, the client gets approved at a "Standard" rate, or a "Modified / Graded" rate, which has a higher monthly cost and potentially a 2 or 3 year waiting period before the policy pays the full death benefit to the family.

so WHY does this happen?
--- This is the big difference between an Independent Insurance Broker vs the Captive Agent

--- An Independent Broker can find and offer insurance products from a variety of companies. A Captive Agent can only offer products from ONE company.

--- If you work with a Captive Agent, they are only going to look into products that their company offers, so if their company won't approve you at a preferred rate, they'll sign you up for another one of their policies.

--- If you work with an Independent Broker, we check to see which companies should approve you based on your age and health, before filling out an application. Then we apply for the plans that should offer the preferred rate (and we don't check that box for "accept any plan shown above")

The point is: question everything you see on the application if you're unfamiliar with life insurance and don't understand it. Ask the agent if you have multiple options to choose from.

If the agent dances around the answers, how certain are you that they are working in your best interest?

As of today, 88.1% of our clients get approved for Day 1 coverage, no waiting period... and 100% of our clients get approved at the best rate available to them. Send us a message and we'll do the same for you, thanks!

02/10/2023

If you guessed Colorado as our next state we'd be licensed in, you are correct!

https://www.thornhillinsuranceagency.com/locations