Secure
Your Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
About our Owner David Frederickson
Born to a single mother serving in the Navy in 1979, I grew up with a unique upbringing, moving frequently as my mother and later my stepfather both served in the military. Constantly on the move, I never spent more than a year in the same school, which taught me resilience, adaptability, and the importance of stability—a lesson that now fuels my passion to help families secure their financial futures.
Today, I’m a proud husband and father of three adventurous boys and one beautiful little girl. Together, we embrace life through boating, fishing, and spending quality time as a family. As the founder of USA Wealth Builder, I’m dedicated to helping others achieve the financial freedom and security that I value deeply for my own family.
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Securing Your Family's Future: The Importance of Mortgage Protection
"Discover how personalized mortgage protection plans can safeguard your home and legacy. Join us on a heartfelt journey of serving families and ensuring financial stability."
Protecting Families and Legacies: A Heartfelt Journey with a Couple
In the ever-evolving landscape of financial security, few endeavors hold as much significance as ensuring the protection of one's family and home. Recently, I had the privilege of guiding a couple through the essential process of securing their family's financial future with mortgage protection. This meeting, assisted by my colleague Rances, was not just about numbers and policies; it was about crafting a safety net for two people deeply committed to safeguarding each other's well-being.
The Heart of the Matter
Our conversation began with the warm, familiar exchange of greetings. The voices of the wife and husband, filled with both curiosity and hope, set the tone for our meeting. The wife, a 72-year-old woman with a nurturing spirit, and her 68-year-old husband with a steadfast demeanor, shared their lives and dreams with me. They live in a quaint town, a place they lovingly call home, with a mortgage of $75,000 through Rocket Mortgage.
Understanding Their Needs
As a medical field underwriter, my role extends beyond mere verification; it's about understanding the unique circumstances of each client. The couple's dual-income household meant that both needed protection to ensure that if one were to pass, the other would not be burdened with financial strain. This reality shaped our discussion, guiding us toward solutions that would provide them with the security they sought.
Tailoring the Right Plan
Mortgage protection comes in various forms, primarily:
Payoff Plan: Covers the full mortgage amount, ensuring the entire mortgage is paid off in case of an untimely event.
Payment Plan: Covers monthly mortgage payments for a specified period, offering a more affordable way to manage financial responsibilities.
Given the couple's circumstances, the payment plan emerged as the most suitable and cost-effective choice. It would help them manage their monthly mortgage payments without the financial strain of higher premiums associated with the payoff plan.
Presenting the Options
To align with their financial capacity and protection needs, I presented three payment plan options:
18 months of coverage with a monthly premium of $172
12 months of coverage with a monthly premium of $122
9 months of coverage with a monthly premium of $88
While there were no guarantees of approval due to the wife's health conditions, these options provided a clear path for securing their mortgage payments in times of uncertainty.
Making the Decision
After a thoughtful discussion, the couple opted for the 12-month payment plan. This plan balanced affordability with adequate coverage, giving them peace of mind. I guided them through the electronic signature process and confirmed their banking information, ensuring a seamless setup of their policy. This crucial step finalized their coverage, providing them with the assurance they needed.
Beyond the Policy
Our meeting didn't end with the application submission. I explained the next steps, including the expected arrival of their policy documents within a couple of weeks. Additionally, I offered my assistance in setting up their wills in the future, laying the groundwork for comprehensive estate planning. This holistic approach not only covered their immediate mortgage protection needs but also paved the way for long-term financial stability.
A Promise of Stability
Helping clients like this couple protect their families and legacy is at the heart of what I do. Mortgage protection is more than just an insurance policy; it's a promise of financial stability and peace of mind. Through personalized consultations and tailored solutions, I strive to empower families to secure their homes and future, ensuring they can face any uncertainty with confidence.
This couple's story is a testament to the power of proactive planning. Their commitment to each other's well-being and their home is an inspiration. As they move forward, they do so with the assurance that their home is protected, their legacy is secure, and their love for each other remains the cornerstone of their financial future.
Protecting Families and Legacies: A Heartfelt Journey with a Couple
In the ever-evolving landscape of financial security, few endeavors hold as much significance as ensuring the protection of one's family and home. Recently, I had the privilege of guiding a couple through the essential process of securing their family's financial future with mortgage protection. This meeting, assisted by my colleague Rances, was not just about numbers and policies; it was about crafting a safety net for two people deeply committed to safeguarding each other's well-being.
The Heart of the Matter
Our conversation began with the warm, familiar exchange of greetings. The voices of the wife and husband, filled with both curiosity and hope, set the tone for our meeting. The wife, a 72-year-old woman with a nurturing spirit, and her 68-year-old husband with a steadfast demeanor, shared their lives and dreams with me. They live in a quaint town, a place they lovingly call home, with a mortgage of $75,000 through Rocket Mortgage.
Understanding Their Needs
As a medical field underwriter, my role extends beyond mere verification; it's about understanding the unique circumstances of each client. The couple's dual-income household meant that both needed protection to ensure that if one were to pass, the other would not be burdened with financial strain. This reality shaped our discussion, guiding us toward solutions that would provide them with the security they sought.
Tailoring the Right Plan
Mortgage protection comes in various forms, primarily:
Payoff Plan: Covers the full mortgage amount, ensuring the entire mortgage is paid off in case of an untimely event.
Payment Plan: Covers monthly mortgage payments for a specified period, offering a more affordable way to manage financial responsibilities.
Given the couple's circumstances, the payment plan emerged as the most suitable and cost-effective choice. It would help them manage their monthly mortgage payments without the financial strain of higher premiums associated with the payoff plan.
Presenting the Options
To align with their financial capacity and protection needs, I presented three payment plan options:
18 months of coverage with a monthly premium of $172
12 months of coverage with a monthly premium of $122
9 months of coverage with a monthly premium of $88
While there were no guarantees of approval due to the wife's health conditions, these options provided a clear path for securing their mortgage payments in times of uncertainty.
Making the Decision
After a thoughtful discussion, the couple opted for the 12-month payment plan. This plan balanced affordability with adequate coverage, giving them peace of mind. I guided them through the electronic signature process and confirmed their banking information, ensuring a seamless setup of their policy. This crucial step finalized their coverage, providing them with the assurance they needed.
Beyond the Policy
Our meeting didn't end with the application submission. I explained the next steps, including the expected arrival of their policy documents within a couple of weeks. Additionally, I offered my assistance in setting up their wills in the future, laying the groundwork for comprehensive estate planning. This holistic approach not only covered their immediate mortgage protection needs but also paved the way for long-term financial stability.
A Promise of Stability
Helping clients like this couple protect their families and legacy is at the heart of what I do. Mortgage protection is more than just an insurance policy; it's a promise of financial stability and peace of mind. Through personalized consultations and tailored solutions, I strive to empower families to secure their homes and future, ensuring they can face any uncertainty with confidence.
This couple's story is a testament to the power of proactive planning. Their commitment to each other's well-being and their home is an inspiration. As they move forward, they do so with the assurance that their home is protected, their legacy is secure, and their love for each other remains the cornerstone of their financial future.
