Protecting what is important

 Michael Gordy Financial Services offers a comprehensive range of insurance products to meet the diverse needs of our clients. Our offerings include:

1. Life Insurance: Protect your loved ones' financial future with customizable life insurance policies tailored to your unique needs and goals.
2. Home Insurance: Safeguard your home and belongings against unforeseen events such as fire, theft, and natural disasters with our comprehensive home insurance coverage.
3. Auto Insurance: Stay protected on the road with our auto insurance policies, offering coverage for your vehicle, liability protection, and peace of mind while driving.

 At Michael Gordy Financial Services, we're committed to providing personalized insurance and financial solutions to help you protect what matters most and achieve your financial objectives. 

We always prefer to talk to our clients before they file a claim so we can walk through the process with them and make sure everything is done in the order that it needs to be for the best claims experience. But you can always file a claim directly with your insurance carrier in the event of an emergency.

Several factors influence your life insurance premium, including:

1. **Age**: Younger individuals typically pay lower premiums because they are considered lower risk. Premiums increase with age as the risk of health issues and mortality rises.

2. **Health**: Your current health status and medical history play a significant role in determining your premium. Insurance companies may assess factors such as weight, blood pressure, cholesterol levels, and any pre-existing medical conditions.

3. **Lifestyle Choices**: Habits such as smoking, excessive alcohol consumption, and participation in high-risk activities (e.g., skydiving) can lead to higher premiums due to increased mortality risk.

4. **Coverage Amount and Type**: The amount of coverage you choose and the type of policy (e.g., term life, whole life) impact your premium. Generally, higher coverage amounts and permanent policies result in higher premiums.

5. **Family Medical History**: Your family's medical history, particularly regarding hereditary diseases or conditions, may influence your premium. Certain conditions in your family history could lead to higher premiums.

6. **Occupation and Hobbies**: Some occupations and hobbies carry higher risks, such as hazardous jobs or extreme sports. Insurance companies may adjust premiums accordingly based on the associated risks.

7. **Gender**: Statistically, women tend to live longer than men, leading to lower premiums for females.

8. **Location**: Your geographical location may affect your premium due to factors such as access to healthcare, mortality rates, and cost of living.

9. **Policy Term and Riders**: The length of your policy term and any additional riders or features you choose can impact your premium. Longer terms and added benefits typically result in higher premiums.

10. **Underwriting Factors**: Insurance companies use underwriting guidelines to assess risk and determine premiums. These factors can vary between insurers and may include additional criteria not listed here.

It's essential to disclose accurate information during the application process to ensure that your policy reflects your individual circumstances. Additionally, maintaining a healthy lifestyle and periodically reviewing your coverage needs can help you manage your life insurance premium effectively.