By Eureka Lewis | 3RY Magazine Editor-at-large
Tanisha Laraye Owens, is much more than a Licensed Life Insurance Agent/Producer. She's an advocate for change. This successful Detroit born & bred entrpreneur, diligently works to dispel misconceptions associated with life insurance policies. Her motto: "It is better to have and not need, than to not have, and need." She's dedicated to educating and empowering her community about the importance of coverage.
Over the years, Tanisha's witnessed firsthand, an all too familiar scene. A family experiences unexpected loss. They're faced with the pain of grief, coupled with the responsibility of closure. In many cases, establishing a GoFundMe campaign, has become somewhat of a default. During an age of technology, online financial support is quickly enlisted. Admittedly, at times it has helped greatly. Other times, not so much. Tanisha applauds the family and friends, who rise to the occasion, and contribute. She also stresses it shouldn't boil down to what is essentially, a roll of the dice. Loved ones should be able to mourn, without the added burden of scrambling to secure financial resources.
Tanisha is committed to informing people of the benefits of various types of policies; including term and permanent. She stresses that life insurance, isn't simply for death, but there are also living benefits. When diagnosed with chronic or terminal illness, or in need of long-term care, a thirty percent payout can be extremely helpful. The only stipulations are; you must carry the correct policy, and have it for a minimum of two years. Many are unaware of this option.
Rewinding a bit; Tanisha was raised by her grandparents, whose love and guidance provided a strong foundation for her. She never considered a career in insurance. In fact, she was working in the beauty industry at a hair salon, when the unthinkable happened. In 2012, her grandmother lost her battle with Leukemia. Thankfully, she had a life insurance policy in place, with Columbian Life. Tanisha was guided on the particulars of her grandmother's benefit by Willie Lomax. He'd worked in the industry for over thirty years, and made everything so clear and manageable, as she mourned her matriarch. He represented Columbian Life, well. Fast foward: Shortly thereafter, he offered to mentor her towards a career in the field. Tanisha viewed it as an opportunity to supplement her income, amid a struggling economy. She took him up on his offer, and began to shadow him. He shared his knowledge from years of experience.
During her second attempt, in 2016 Tanisha earned her Life & Health Producer's License, and hasn't looked back! She's discovered a career for which she is passionate. One that allows her to make a difference in the City of Detroit. She consistently encourages change, with regards to people's perception about life insurance. Tanisha is grateful, for the opportunity to do so.
In typical 3RY fashion, we posed 3 questions for this dynamic young woman.
What advice would you give someone looking to work in your field?
Be willing to put in the effort, and stick to it. Keep in mind, I failed the 1st time I attempted to attain my license. What if I had given up? Thankfully, I've now been in business for a total of twelve years. "Anything worth having, is worth working for." Also be willing to learn and observe. Shadow someone who has experience in the field, especially if they have a proven track record. That means they possess expertise.
You are extremely focused and committed to your career. What or who has inspired you?
Three people who immediately come to mind, are my Aunt Patricia El-Amin; whose work ethic, drive & motivation- I've always admired. She studied at Northwood University, and has always been a great role model. Secondly, Willie Lomax; who took me under his wing, and shared invaluable knowledge with me. Finally, Keith Syrkett of Syrkett Financial Solutions; who has also been instrumental in my career, and is my colleague/business partner. I am appreciative beyond words, for all of these individuals!
What are some of the misconceptions about life insurance?
Some people think it's unaffordable. That's not the case. There are various plans. We simply have to make preparedness a priority. For example: The extra money we spend on snacks or other non-essential items per month, is likely double what we need to secure a policy. We simply have to discipline our spending. Think of it as legacy planning. Again, prioritize! Another misconception is the belief it's for seniors only. As we've all seen, people transition at various ages. We need to be proactive in protection for ourselves and families.
3RY Magazine, agrees! We are excited to spotlight this intelligent and dedicated Detroiter. You're making us proud!
Tanisha's territory, includes Michigan, Texas, Florida, Delaware & North Carolina.