James Wm. Harris III - Mortgage Protection, Final Expense, Disability, Annuities
Products / Services

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---- Accident coverage
         - pays tax - free money to you if you are treated for any accident;
           fall / cut / auto / etc.
---- Mortgage Protection
          - term and universal life coverage
            [to protect mortgages in event of death].
          - personal disability to protect income if sick or
          - coverage may or may not require exam;                                             
                  exams free, if needed.
---- Final Expense / Burial Insurance - geared to people ages 50 - 85;    
             younger ages can apply also!   

          - permanent (i.e., lifetime) coverage to cover burial costs, etc..

          - products for persons with SEVERE health conditions [AIDS,
                    Cancer, etc.] available -
                    NO HEALTH QUESTIONS on application!
                    Ages 50 - 85 ONLY!

          - products for people of moderate to good health available also
                    SIMPLIFIED / EASY issue - these include health questions on
                            the application, and have lower rates than the
                            policies referred to above.
                     Ages 0 - 85

          - NO EXAM required for ANY final expense / burial coverage.

          - COST never goes UP, and BENEFIT never goes DOWN.
                    (In certain cases, benefit actually increases.)

          - FAST approval / issue of policy (generally, ~5 days from receipt of 
                    application by company).
---- 'General' Life Insurance - fully underwritten
          - term, universal, and whole life. 
          - persons 0 - 80 years old may apply. 
          - family coverage available.
            - coverage may or may not require exam; 
                 exams free, if needed.
---- Personal Disability Coverage
          - receive monthly income if you cannot work due
                    to illness or injury. 
---- Payroll Deduction insurance products for your company
          - NO COST to employer.     
          - life / disability / critical illness
          - employees participate voluntarily, through
                     payroll deduction.                                               
        TransAmerica Life,
        Assurity Life,
        AIG(i.e., American General Life),
        Baltimore Life,
        Gerber Life,
        Columbian Life, 
        United Home Life,
        Savings Bank Life, and
        Mutual of Omaha.

        US Life (i.e., AIG, operating in the state of New York),
        Gerber Life, and
        Mutual of Omaha.

Companies for group PAYROLL DEDUCTION  insurance:

        American Heritage (i.e., All State),
        TransAmerica Financial, and
        Assurity Worksite.
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 (Please also see the "About Me" and "Contact Me" links above.)
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