COURTER FINANCIAL SERVICES, LLC

General

1. Do you have set office hours?

   No. Because of our individual requirements, we do not have set office hours. However, we strive to make sure there is someone available between 9am-5pm, Mon-Fri. Of course there are times where you will have to call back or leave a message on our voicemail, but we always get back to you as soon as we can. In addition, there is almost always at least one person in the office between 5pm-9pm, Mon-Fri and varying hours on Sat.

Value

1. Will you work with any company I would like to purchase from?

   No. We have found that over the years there are just some companies that do not value their agents or clients the way we would like to see. Because of that, we make sure to only work with those companies that are willing to work with us and show the same care and concern for our clients that we know you deserve!

2. Will you ever sell me a product just to save me money?

   Of course! It has been the long-standing tradition of Courter Financial Services, LLC to put the clients FIRST! We continually evaluate each clients' products & if there is an option that could lower their premiums.

3. What if I have questions about my products or need help with an aspect of those products?

   At Courter Financial, we strive to achieve 100% Customer Satisfaction! We are always happy to answer questions and help with any aspect of our clients products; even when we cannot directly satisfy the clients needs, we will do everything in our power to assist you. That means we will make conference calls, draft letters, send faxes & emails, etc. Your product is only valuable to you when it is doing what it was designed to do, so we will do whatever it takes to keep your product working for you.

Pressure Tactics

1. Will you hound me to make a decision even if I am not ready?

   No, we will allow you to make your decision on your own time table. We may however, check in with you from time to time just to see where you are in your decision making process. We will also alert you to any deadlines or reasons as to why a decision should be made in a specific period of time.

2. Will you pressure me to buy a certain product?

   Absolutely NOT!!! Our job is to provide you with Quality options that will meet your needs, achieve your goals and fit within your budget. Your job is to decide which option to choose.

Life Insurance

1. Do I really need Life Insurance?

   For most people, the answer is YES! Life insurance provides protection against unforseen death and the burden of outstanding debt that is then placed on the surviving family members. Life insurance can cover outstanding mortgages, student loans, credit card debt & auto loans as well as provide replacement income, college funds and at the very least cover your final expenses.

2. What is the BEST type of Life insurance?

   That depends entirely on your specific situation. Each type of Life insurance, (Whole Life, Term, Universal), serves different purposes with different benefits and negatives. An evaluation of your situation, needs, goals and budget is the BEST way to determine which type is BEST for you.

3. Why can't I just search on the internet for quotes and buy my life insurance there?

   Of course, this is always an option, but rarely a good one. Each situation is different and each company is different. Some companies offer additional benefits to their policies that make them more suitable for some and less suitable for others. Also, just choosing by price or the company whose name you recognize can actually cause problems in certain situations. Taking the time to consult an agent will help you determine the best company and the best type of policy for your individual circumstances.

Medicare

1. Do I have to sign up to receive Medicare and if so, how?

   Each individual's situation is different. Most people will be automatically enrolled in Medicare Parts A & B. However, there are some people that will have to contact Social Security to apply for Medicare. Please visit our links page for more information from Social Security and Medicare.