My name is Philip Binns and I am an independent life insurance agent, icensed in AZ, CA, Fl and WA.
After 2008, when flipping houses became mainstream, I considered buying houses at auctions. My kids were young back then and I started to wonder, “what about the families who lost their home? Where are they now? What are they doing?” This led me to work with Equis Financial. They represent companies that have life insurance products with added features which are very appealing to homeowners.
After I joined the Army, I was able to purchase my first house in Tennessee. I know how fulfilling it is to become a homeowner. I came to understand that protecting the equity of your biggest investment is one of the most important things you can do to protect your financial future. That is why I do what I do. I created the Binns Financial Group to serve others, you always have to put people’s needs first. Bad life insurance is almost as bad as no insurance, I’m here to solve problems, not make more. I have not recommended insurance many times and will continue to do so.
The basic idea of Life insurance is that it allows you to take care of your family after you are gone, which is our greatest responsibility. I had a conversation with someone who told me that he wasn’t going to insure himself because he didn’t want his wife to remarry and have the money. That’s crazy, I guess that he had no problem with the legacy that he would leave behind.
What appealed to me most is that you can get the benefits from an insurance policy while you are still alive! It wasn’t like that when I was growing up. Most of us are used to getting insurance claims only after the insured has died. The products through Equis Financial will benefit if you are suffering a critical, chronic or terminal illness and can’t work. You can get up to to 90% of your policy. It’s decided on a case-by-case basis. You can keep the lights on, the pantry full, the cars paid for and your mortgage paid.
BinnsFinancialGroup.com 