Frank Hardeman began his insurance career in 1989 at New York Life. He took advantage of the finest training offered in the life insurance industry and in 1991 left NYL to become a partner in an independent firm. Frank has a strong background in helping clients understand and meeting their life insurance needs. Life insurance serves many purposes. The most common and most known is clearing debt and final expenses. At the minimum, you should have enough life insurance to clear all debts including home, auto and credit card balances. The rule of thumb for families with young children is to have ten times your annual salary. This amount may seem large but if you make $40,000 a year and only carry $100,000 in life insurance, your family only has two and a have years of your income.
The Hardeman Company specializes in Buy/Sell agreements covering the lives of
business partners in the event of an untimely death of a partner. This allows the partner of the deceased partner to have funds to buy out the shares of the business interest left to the surviving spouse.
The Hardeman Company can help determine if term or whole life is the most suitable for your needs. Mr. Hardeman represents over 100 A+ rated life insurance carriers featuring: Guardian, Banner, CNA, Principal, Nationwide, Travelers, Prudential, and MetLife.
Call or click to request a quote or an appointment to discuss your needs!