About
Daniel Cespedes- Independent Life Insurance Agent
Daniel Cespedes- Independent Life Insurance Agent
Daniel Cespedes- Independent Life Insurance Agent
I am passionate about financial literacy after being on the other side of the checkbook during my years as a young adult after high school. I enlisted in the Army in 2008 and traveled the world without the need to balance my funds or prepare for the future. Fast forward to now, I am combat veteran, a husband, a father of three young boy
I am passionate about financial literacy after being on the other side of the checkbook during my years as a young adult after high school. I enlisted in the Army in 2008 and traveled the world without the need to balance my funds or prepare for the future. Fast forward to now, I am combat veteran, a husband, a father of three young boys, and licensed in three states to sell life insurance (TX, CA, WA). I am currently attending college to further my financial knowledge with a BA in Finance, and striving to help as many people and their families prepare for the unknown burden of what tomorrow might bring when a loved one is injured, falls ill, lost, or simply just securing a safeguard to a future tax free retirement.
Planning Futures
Daniel Cespedes- Independent Life Insurance Agent
Daniel Cespedes- Independent Life Insurance Agent
Independent Life Insurance Agent for WFG (World Financial Group) which is owned by Transamerica, a subsidiary of Aegon is a platform that doesn't own any product, and instead gives the power of choice to clients with the best company and policy that meets their needs. We have years of experience helping clients prepare for the unknown wh
Independent Life Insurance Agent for WFG (World Financial Group) which is owned by Transamerica, a subsidiary of Aegon is a platform that doesn't own any product, and instead gives the power of choice to clients with the best company and policy that meets their needs. We have years of experience helping clients prepare for the unknown while meeting their financial goals. Many of the products provided are from A-rated companies like Transamerica, Crump, Pacific Life, Nationwide, Prudential, AMS, and Everest Funeral Concierge.
Ask us about:
- Financial planning
- Tax free Savings
- Retirement security
- Education security
- Life Insurance
- Disability Insurance
- Long Term Care Insurance
- Funeral Concierge
As an independent life insurance agents, we can access many different products so you can get the right products and services for you.
Approach
Daniel Cespedes- Independent Life Insurance Agent
Committed to Service
We build a finance model designed to assess your risk tolerance and find what product fits your budget. We will discuss your current financial state, your financial goals, and your life style to take you to the next level of financial stability and security for your legacy. You can count on unbiased recommendations and impartial guidance based directly on your needs and goals.
Committed to Service
Daniel Cespedes- Independent Life Insurance Agent
Committed to Service
Every successful business model (regardless of audience, category, product or services) starts with an excellent client relationship, and your financial success is no different. Our mission and values include exceeding our client’s every expectation. Book a consultation today to find out how we can suggest long- and short-term goals that will help you ease your financial burdens in the future.
What is a Life Insurance Agent?
A Life Insurance Agent is What?
Life Insurance Agents Get Paid How?
A Life Insurance Agent is What?
These are licensed professionals who can sell life insurance in various states based on there licenses. They work for an insurance company and sell policies by that insurance company as a "captive agent", or can work as a "non-captive independent agent" and sell life insurance from a range of companies. Non-captive agents work to find p
These are licensed professionals who can sell life insurance in various states based on there licenses. They work for an insurance company and sell policies by that insurance company as a "captive agent", or can work as a "non-captive independent agent" and sell life insurance from a range of companies. Non-captive agents work to find policies from many insurance providers. That means non-captive agents can sell insurance from a large array of life insurance providers. This is good for you because this can save you money on your premium cost (the amount you pay monthly or annually for your policy.) In order to find the right policy that suits you, they will ask you for details about your life and what you’re goals are in the future.
Life Insurance Agents Do What?
Life Insurance Agents Get Paid How?
A Life Insurance Agent is What?
Their job is to sell life insurance policies.
- Discussing your personal details, which includes your age, if you’re married, if you have any dependents, your occupation, and income.
- A financial model will be generated with your income, bills, misc. expenses, big expenses (like a mortgage, rental property, vehicles), savings, investments, a
Their job is to sell life insurance policies.
- Discussing your personal details, which includes your age, if you’re married, if you have any dependents, your occupation, and income.
- A financial model will be generated with your income, bills, misc. expenses, big expenses (like a mortgage, rental property, vehicles), savings, investments, assets and debts.
- They will put together personalized advice for you, with a written report for you summarizing your call, along with their advice on the sort of life insurance that could work for you.
- This report is yours to consider before you make any decisions. If you purchase a life insurance policy through them, they’ll keep in touch with you periodically through the years to see how your navigating through your financial path.
Life Insurance Agents Get Paid How?
Life Insurance Agents Get Paid How?
Life Insurance Agent, Do You Really Need One?
They make their income through commissions from a percentage of the premium. You’re not bill immediately after you’ve bought a policy, the insurance company you’re buying your policy from will pay the commission. The more policies an agent sells, the more income they'll make in commissions. "Non-captive agents" are usually only paid fro
They make their income through commissions from a percentage of the premium. You’re not bill immediately after you’ve bought a policy, the insurance company you’re buying your policy from will pay the commission. The more policies an agent sells, the more income they'll make in commissions. "Non-captive agents" are usually only paid from commissions. But a "captive agent" might get a regular salary from the company they work for, with less in commissions, and their salary might be even lower if marketing and administrative costs are performed by the employer. Each state regulates its insurance prices, which means companies file their price list of all the policies they sell with the state insurance department. This regulation means an insurance policy can’t quote a higher price than if you’d just gone directly to the company itself. It's important to get a range of quotes from an agent so you can see they’re not just pitching you the priciest options when it comes to your policy, but are genuinely looking to get you the best policy.
Life Insurance Agent, Do You Really Need One?
Life Insurance Agent, Do You Really Need One?
Life Insurance Agent, Do You Really Need One?
When it comes to buying life insurance, consulting with a licensed agent and the resources of a company is recommended. Some homework beforehand will help prepare you for the sort of life insurance policy that you need. This will give you something to work with when you’re speaking to an agent. It's beneficial going with an independent
When it comes to buying life insurance, consulting with a licensed agent and the resources of a company is recommended. Some homework beforehand will help prepare you for the sort of life insurance policy that you need. This will give you something to work with when you’re speaking to an agent. It's beneficial going with an independent insurance agents because they can shop around a large array of providers in the marketplace to get the best option for you, saving you time and money.
Life Insurance Agent, How to Choose?
Life Insurance Agent, Do You Really Need One?
Life Insurance Agent, How to Choose?
After you have made the decision to schedule a consultation, have this list with you to gauge if this was the right choice.
- Understanding of your situation and the financial path you’re on. Are they hearing who you are, your goals, and what you need coverage for?
- Knowing what you don’t need. Be sure they’re not trying to oversell things t
After you have made the decision to schedule a consultation, have this list with you to gauge if this was the right choice.
- Understanding of your situation and the financial path you’re on. Are they hearing who you are, your goals, and what you need coverage for?
- Knowing what you don’t need. Be sure they’re not trying to oversell things to you.
- Answering your questions. Life insurance is complicated enough, so your concerns should be addressed, no matter how small they may seem.
- They will put together personalized advice for you, with a written report for you to summarize your call, along with their advice on the sort of life insurance that could work for you. -This report is yours to consider before you make any decisions. If they’re pushing you to make a decision on that first call, it’s too soon!
- Ensure they are licensed to sell insurance in your state. They should willingly disclose probably commission.
- Qualifications matter (but try not to go on about it too much). The designations after their name could be one of the following, but don’t let it give you a false sense of security as to how qualified they are. Many firms have the resources and backing of highly certified individuals to discuss policy options before proposed quotes to insure client needs are met.
CLU – Chartered Life Underwriter
ChFC – Chartered Financial Consultant
CFP – Chartered Financial Planner
RR/ RP – Registered Representative/ Registered Principal
CIC – Certified Insurance Counselor
The point is is, don’t get caught up on these qualifications. You can be prepared by knowing what they mean, but if they’re still trying to oversell your needs (or just not hearing what you know you want), they’re not doing their job!
Contact
Get Started Today
Reach out with any questions or to set up a meeting to discover the best path to your financial freedom!
Financial Planning Success with Daniel Cespedes
email: DCespedes210@gmail.com WFG Agent Page: https://agents.worldfinancialgroup.com/daniel-cespedes-sosa
Hours
Monday - Sunday: By appointment
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