Testimonials

  • When I became an independent agent in 2001, I needed an organization that provided the products and support in one location. In 2005, I found a marketing organization that could provide me with these resources - ASPECT Management. Not only have Graham and Ava Miller helped me build a successful business, they have become great friends, too. I encourage you to you to contact them to build your business.

    Gary Morefield North Carolina

  • With 30 years in the insurance business, we have worked with our share of FMOs and had some very good business and personal relationships with more than a few. Without reservation, we can say we have never dealt with anyone in the business who has treated us as well in every sense of the word as ASPECT Management. We know we can always count on them when it comes to crunch time. We are never left waiting for answers. Thank you so much for everything you do!

    Tom and Tricia Dyar South Carolina

  • ASPECT Management is by far the best FMO in the country. Always there to help when you need them. And the agent perks are above and beyond all others. I would highly recommend them.

    Jeff Gaskin Georgia

  • I have been working with ASPECT for close to a year now. They have not only met all of my expectations, but continuously exceed them. Everyone at ASPECT has been a pleasure to work with and I’m looking forward to working with them for years to come.

    David Duncan Kentucky

  • ASPECT Management was the first marketing firm I joined back when I started in the senior market. Here it is 15 years later and I am still happy with the service they provide. They are always willing to answer my questions and when an issue does arise they handle it efficiently. They keep me up to date on new products and help make AEP a breeze. This is seriously my favorite group that I work with.

    Laurie Reece Tennessee

  • As an independent agent/agency, I have worked with up-lines for over 35 years. ASPECT Management is attentive, courteous and responsive to our requests/needs. I highly recommend working with the ASPECT Management team.

    Robert Gerczak Virginia

  • I have been working with ASPECT Management for over a decade. From my introduction to the insurance industry and senior benefits sector, the ASPECT team has been proactive and helpful. Beginning with the education of products, industry changes and compliance, best practices, and assistance with my business as it has grown over the past decade.

    ASPECT continues to strengthen current relationships and build relationships with new carriers and their products, thus providing more opportunities for myself in assisting my clients and their needs. Support to my clients and to myself is critical as an agent out in the field. They continue to provide quick responses to questions and issues that may arise with clients and carriers.

    Karen Bell New York

Have Questions? Call 866.736.0130 or
Email Now!
Contact Us

Send us an email and we'll get back to you ASAP.

Not readable? Change text. captcha txt

A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.