{"id":1777,"date":"2016-10-21T18:36:57","date_gmt":"2016-10-21T18:36:57","guid":{"rendered":"https:\/\/hgwebdev3\/grpadvisor\/?page_id=1777"},"modified":"2022-03-22T23:11:34","modified_gmt":"2022-03-22T23:11:34","slug":"testimonials","status":"publish","type":"page","link":"https:\/\/www.heff4life.com\/?page_id=1777","title":{"rendered":"About"},"content":{"rendered":"
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Heffernan Life Division<\/strong> helps Financial Advisors, Accountants, Attorneys, and Insurance Brokers offer life, annuity, disability, and long-term care insurance solutions to their clients.<\/p>\n

There\u2019s a lot more to selling life insurance than just knowing who has the lowest price. Product features and health qualifications can vary greatly between carriers. Our relationships with many of the leading financial companies gives us the ability to obtain coverage when others cannot.\u00a0\u00a0Let us help you by using our \u00a0expertise to match your client to the best carrier.<\/p>\n

\u00a0Heffernan Life Division\u2019s history can be traced back the early 70\u2019s.\u00a0 Together our current management team has over 50 years of insurance experience.\u00a0 Let Heffernan Life Division put that experience to work for you and your client.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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One of my large 401K clients came to me with a problem. He needed a Buy\/Sell life insurance policy to fund the purchase of his equity in the company.The problem was, he was 73 years old and had some serious health challenges. Heffernan Life Division carefully evaluated the health issues, and even though he had been declined by 5 previous companies, we were able to obtain a $2.5Million policy on him. The policy was purchased by his company for the purpose of funding the buyout.<\/p>\n

Total premium $125,000<\/strong><\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n

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One of my high net worth clients was concerned, because a Variable life policy he purchased over 20 years ago, was failing due to poor performance in the market, and rising cost of insurance. Now at almost 60 years old, his policy was going to run only 5 more years. Heffernan Life Division was able to recommend a policy replacement, that not only extended the guarantee by 15 additional years, but also reduced the premium and allowed the client to preserve almost $225K of cash value..<\/p>\n

Total Premium $38,000<\/strong><\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n

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A business client of mine needed a policy to insure one of his key employees. The problem was that the employee weighed over 350 lbs. and had various other health issues as well. Heffernan Life Division shopped his situation extensively, and we were able to place a $1.5million policy on him for Key Man. He was so happy with the result, that he used the approval to leverage an additional $1million on himself personally.<\/p>\n

Total Premium $23,500<\/strong><\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n<\/div>\n

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Joshua S.\u2013 Montclair NJ<\/strong><\/p>\n<\/div>\n<\/div>\n

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Paul M.\u2013 Healdsburg CA<\/strong><\/p>\n<\/div>\n<\/div>\n

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Alan B.\u2013 Los Angeles CA<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n

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