Finding Insurance That Fits

Term life insurance offers security to couple who helps secure our nation’s borders.

Patrick and Nicole Reilly didn’t want to become someone else’s cautionary tale. The couple met 12 years ago at the U.S. Customs and Border Protection training academy and understand the “intrinsic perils” of their positions. They heard stories of people who had passed away and not left their loved ones as comfortable financially as they would have liked.

“Those cautionary tales were weighing heavy on our minds,” Patrick explained, so the Reillys knew they needed life insurance to protect their two young sons.

But there were other reasons for Patrick and Nicole to protect against the death of one or both of them.

Mortgage Protection

The Reillys moved from Arizona to the Rio Grande valley in southern Texas when Patrick received a promotion about two years ago, and they still haven’t been able to sell their house in Arizona.

The two mortgages mean the Reillys have significant debt to protect, but they also want to provide for the surviving spouse and their two boys, Masen and Rhys, ages 5 and 4. “We wanted to maintain our lifestyle for the other, pay off our debt and maybe even pay for college for the boys,” Patrick said.

They had some term insurance through another insurance company, but didn’t have an agent who was staying in touch with them.

WoodmenLife Representative Patrick Gonzalez, himself recently married and a new father, prides himself on giving members the right advice. After performing a needs analysis together, they determined that WoodmenLife’s 30-year term life insurance was right for the Reilly family.

The Reillys say Gonzalez explained the product and answered their questions completely.

“It obviously needed to fit their budget and cover their needs,” Gonzalez said, “but it actually saves money compared to the product they had with the other company.”

‘Patriotism is Important’

“We particularly enjoy how WoodmenLife is set up: it’s family oriented and has conservative investment practices,” Patrick said. “And with our careers, WoodmenLife’s history of patriotism is important to us.”

Keeping our borders safe keeps Patrick and Nicole busy, leaving them little time for other activities. “Our kids are essentially our hobbies,” Patrick said.

But they take comfort in knowing they’re prepared, and won’t be another of the stories told to warn others about what could happen to people without adequate life insurance coverage.

“It’s never fun to talk about what life insurance entails, but the discussion with our Representative was frank but tactful,” Patrick said. “It was a smooth process, with no pressure to buy.”