Willie Smith Insurance Services

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09/21/2021

Join us tonight!

Today's Message 09/13/2021

Today's Message This Month’s Inspirational Message

Today's Message 09/07/2021

Today's Message Here is this month's quick financial tip!

Kelly Rowland's Message to the Life Insurance Industry 09/03/2021

https://youtu.be/shlNfjsbvZw

Kelly Rowland's Message to the Life Insurance Industry Have you heard the news? Life Happens is collaborating with award-winning singer, songwriter, producer and humanitarian as our spokesperson for...

Today's Message 08/24/2021

Sometimes we spend our lives chasing dreams when we are already living the dream!

Today's Message This Month’s Inspirational Message

Today's Message 08/13/2021

Let's take care of our family!

Today's Message Here is this month's quick financial tip!

Today's Message 08/10/2021

Smile!! Today is a new day!

Today's Message This Month’s Inspirational Message

Today's Message 07/29/2021

To all the heroes out there!

Today's Message This Month’s Inspirational Message

Today's Message 07/26/2021

Protect your life!

Today's Message Here is this month's quick financial tip!

Today's Message 07/22/2021

Do you think taxes are going to decline?

Today's Message Here is this month's quick financial tip!

Whole or Term Life Insurance 01/15/2021

Whole or Term Life Insurance

Whole or Term Life Insurance In 1962, the Phoenix Candy Company released the Now and Later bar. Each bar of candy included several individually wrapped taffy squares. The idea ...

Why You Should be Grateful for the Year 2020 01/01/2021

Why You Should be Grateful for the Year 2020

Why You Should be Grateful for the Year 2020 To say the year 2020 was anything but calamitous would be an immense understatement. We lost great talents with the passing of Kobe Byrant and Eddi...

How to Save on Electricity for Free 12/15/2020

How to Save on Electricity for Free

How to Save on Electricity for Free Do you cringe every time you open your electric bill? If you are like the millions of homeowners across the country, you likely wonder if there is ...

Carbon Monoxide Concerns in the Home 12/01/2020

Carbon Monoxide Concerns in the Home

Carbon Monoxide Concerns in the Home It is has no odor or color; and can be deadly. Carbon monoxide (CO) is a gas produced by the incomplete combustion of fuel. When present in the hom...

Thanksgiving: 4 Contactless Ways to Give Back 11/17/2020

Thanksgiving: 4 Contactless Ways to Give Back

Thanksgiving: 4 Contactless Ways to Give Back This year, 2020, is unlike any other we will likely ever see again in our lifetimes. An unprecedented hurricane season, uncontrolled wildfires, and...

Factors that Affect Health and Life Insurance Coverage 10/29/2020

Factors that Affect Health and Life Insurance Coverage

Factors that Affect Health and Life Insurance Coverage Data drives the insurance industry. How an insurance company balances their exposure to risk with the premiums they collect determines if they ulti...

Healthy Recipes for Fall Produce 10/15/2020

Healthy Recipes for Fall Produce

Healthy Recipes for Fall Produce Vegetables and fruits falling out of tipped over bag next to large empty space over rustic wooden background With autumn comes the fall harvest. A ...

Conversation Etiquette: How to Express Your Opinion on Social Media 09/30/2020

Conversation Etiquette: How to Express Your Opinion on Social Media

Conversation Etiquette: How to Express Your Opinion on Social Media Aged, retired, couple having a video call on tablet during romanitic dinner. Old people sitting at the table, talking, using the technology, intern...

https://money.com/insurance-hurricane-damage-coverage-flood/ 09/25/2020

Hurricanes and Insurance: All Water Damage Isn't the Same When It Comes to Coverage

https://money.com/insurance-hurricane-damage-coverage-flood/ It depends on how the water enters your home.

https://insurancenewsnet.com/innarticle/dol-issues-new-rules-on-retirement-plan-illustrations#.X2EapNQRXIU 09/24/2020

DOL Issues New Rules On Retirement Plan Income Disclosures

https://insurancenewsnet.com/innarticle/dol-issues-new-rules-on-retirement-plan-illustrations#.X2EapNQRXIU Industry trade associations applauded a new rule today from the Trump administration requiring retirement plans to provide an illustration of the amount of monthly income that might be generated by an individual’s retirement savings.

https://insurancenewsnet.com/innarticle/covid-19-speeds-up-the-modernizing-of-the-life-insurance-industry#.X2Eb2tQRXIU 09/24/2020

COVID-19 Speeds Up The Modernizing Of The Life Insurance Industry

https://insurancenewsnet.com/innarticle/covid-19-speeds-up-the-modernizing-of-the-life-insurance-industry#.X2Eb2tQRXIU The COVID-19 pandemic has put a spotlight on the significant role life insurance plays in the cycle of life, as well as the importance of modernizing the sales model to withstand dramatic disruptions to the ways the industry typically operates.

https://www.washingtonpost.com/business/2020/09/15/census-health-insurance-poverty/ 09/23/2020

Fewer Americans had health insurance last year before pandemic struck, Census Bureau report shows

https://www.washingtonpost.com/business/2020/09/15/census-health-insurance-poverty/ Though the reasons are sharply debated, the new data signifies that the first three years of President Trump’s tenure were a period of contracting insurance coverage.

https://money.com/tips-on-buying-business-insurance/ 09/22/2020

Small Business Insurance Costs Are On The Rise — Here's How to Make the Most of What You Pay For

https://money.com/tips-on-buying-business-insurance/ Tips on optimizing your coverage without spending too much, or too little

https://sixtyandme.com/3-fun-ways-to-stay-active-after-60-that-you-might-not-have-thought-of/ 09/22/2020

3 Fun Ways to Stay Active After 60 (That You Might Not Have Thought Of)

https://sixtyandme.com/3-fun-ways-to-stay-active-after-60-that-you-might-not-have-thought-of/ When it comes to staying active and getting exercise, it’s so easy to tap into your go-to list of low-impact activities like yoga, cycling, tennis, dancing, swimming, golfing and hiking. Variety is the spice of life though, so if you’re...Read More

https://www.thinkadvisor.com/2020/09/14/will-the-college-kids-give-us-all-covid-19/ 09/21/2020

Will the College Kids Give Us All COVID-19?

https://www.thinkadvisor.com/2020/09/14/will-the-college-kids-give-us-all-covid-19/ Dynata's numbers hint at one possibility. University dashboards hint at another.

https://www.forbes.com/advisor/homeowners-insurance/home-inventory/ 09/18/2020

You Really Need A Home Inventory

https://www.forbes.com/advisor/homeowners-insurance/home-inventory/ Let’s do a quick mental exercise. Take a moment to think about all the stuff in your home. What comes to mind? Maybe your cherished record collection or a table passed down through generations. Or maybe that big flat screen TV you have mounted on the wall in front of the comfy sofa. OK, that’s t...

https://www.nerdwallet.com/blog/insurance/buying-life-insurance-what-to-know-during-the-coronavirus-pandemic/ 09/17/2020

Buying Life Insurance? What to Know During the Coronavirus Pandemic

https://www.nerdwallet.com/blog/insurance/buying-life-insurance-what-to-know-during-the-coronavirus-pandemic/ Here are the key changes you should know about if you’re applying for life insurance during the coronavirus pandemic.

https://www.businessnewsdaily.com/15781-types-of-business-insurance.html 09/17/2020

25 Types of Insurance Your Small Business Should Consider

https://www.businessnewsdaily.com/15781-types-of-business-insurance.html There are many different types of business insurance your company might need. Discover which one is best for your business.

https://sixtyandme.com/a-life-transforming-question-what-will-i-be-brave-about-today/ 09/16/2020

A Life-Transforming Question: What Will I Be Brave About Today?

https://sixtyandme.com/a-life-transforming-question-what-will-i-be-brave-about-today/ Nothing seemed to be going right. My Internet gave up in the middle of a Zoom meeting, my dog – a rescue mutt still learning the house rules – peed on a freshly washed towel hanging over a chair, and the work gig I was so confident...Read More

https://www.thestreet.com/personal-finance/how-to-tap-life-insurance-policy-for-cash 09/15/2020

How to Tap a Life Insurance Policy for Cash

https://www.thestreet.com/personal-finance/how-to-tap-life-insurance-policy-for-cash If your policy has cash value, you can tap it for whatever you need, but taking cash out of your life insurance policy is a serious decision

https://www.nerdwallet.com/article/insurance/cant-pay-insurance-coronavirus 09/15/2020

What to Do if You Can’t Pay for Insurance Due to Coronavirus

https://www.nerdwallet.com/article/insurance/cant-pay-insurance-coronavirus Contact your insurer during the coronavirus pandemic to find out what relief options are available, including grace periods and payment plans.

https://seniorhousingnews.com/2020/09/07/5-top-concerns-for-senior-living-this-fall/ 09/14/2020

5 Top Concerns for Senior Living This Fall

https://seniorhousingnews.com/2020/09/07/5-top-concerns-for-senior-living-this-fall/ One thing is certain as the coronavirus pandemic enters its sixth month in the U.S.: Covid-19 is not going away. “We are going to have to live with Covid-19 in the world,” Brookdale Senior Living (NYSE: BKD) CEO Cindy Baier told Senior Housing News. And, in many regards, the senior living indust...

https://www.forbes.com/sites/joanverdon/2020/09/03/american-dream-to-reopen-oct-1-but-once-again-it-wont-be-100-ready/#7e22405e44f2 09/11/2020

American Dream To Reopen October 1, But Once Again It Won’t Be 100% Ready

https://www.forbes.com/sites/joanverdon/2020/09/03/american-dream-to-reopen-oct-1-but-once-again-it-wont-be-100-ready/#7e22405e44f2 The American Dream mall will reopen its amusement park and entertainment attractions Oct. 1, but most of the project is still a work in progress.

https://www.zillow.com/resources/stay-informed/2020/05/25/rent-payment-options-cares-act/ 09/10/2020

Worried About Your Rent Payment? You Have Options

https://www.zillow.com/resources/stay-informed/2020/05/25/rent-payment-options-cares-act/ If you've lost income due to coronavirus and are struggling to pay rent, the CARES Act may offer protections.

https://www.worth.com/5-estate-planning-misconceptions-you-shouldnt-buy-into/ 09/10/2020

5 Estate Planning Misconceptions You Shouldn’t Buy Into

https://www.worth.com/5-estate-planning-misconceptions-you-shouldnt-buy-into/ A financial expert breaks down some of the most common misconceptions that get in the way when setting up an estate plan.

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Index Universal Life

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San Jose, CA
92592

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Agent licensed to sell insurance through New York Life Insurance Company.

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Derrick Osbeck, Modern Woodmen of America Derrick Osbeck, Modern Woodmen of America
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I work with individuals and families to help them plan for a secure financial future.

Foss Financial Foss Financial
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We help create, maintain & protect assets

Tim Wilkins Tim Wilkins
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Don Crozier - Crozier Mortgage Team Don Crozier - Crozier Mortgage Team
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Peter Carbone, Financial Services Professional with Nylife Securities LLC Peter Carbone, Financial Services Professional with Nylife Securities LLC
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Registered Representative offering securities products and services through NYLIFE Securities LLC. (Member FINRA/SIPC), A Licensed Insurance Agency.