Life Insurance is not just about death (family is priority 1

There are many misunderstandings about life insurance. Many people associate life insurance with death in the family and that is an unfortunate part of a policy but it also has "living benefits". The first conversation is to establish your needs and what's best for you. I am not going to sell you a product. Please read the picture and illustration because it is so true. We don't own or control TIME. It owns us. There are no guarantees for tomorrow. Please call me today. I will help you get the right solution. If you want to get an idea of how inexpensive term insurance can be, try this out and work up a quote! 

Life insurance provides a fixed amount of protection for a limited period and pays a death benefit to a selected beneficiary. It is inexpensive compared to other permanent insurance because it is not utilized in most instances. You can also add "riders" to many of these policies to provide you with "living benefits" that may become valuable in the event of a critical or catastrophic illness where money may be needed to help with medical bills etc. We can work with you and do a quick needs analysis and you select what is best for you and your family.  

The most important thing to remember first of all is as it says being permanent and stays with the insured person for their lifetime. It is more expensive than term insurance because it not only provides a death benefit but is also comes with a savings component that earns interest on a tax-deferred basis. 

The universal life policy is a permanent life insurance policy that also contains savings and a death benefit. The difference is it has more flexible premium options you can choose from and its earnings are based on the market interest rates. 

What if I told you I had a product that could:

1. Capture market gains... 

2. Never worry about market losses...

3. Tax-free access to your money and your gains...

4, Keep your money invested as long as you wish w/o penalty...

5. Provide a large, tax-free payment to the person you choose if you die prematurely...

6. Allow a portion for a possible chronic or critical illness.

Here it is.......

A very popular permanent insurance policy that provides a death benefit as well as accumulates cash value by investment in the index market. 

• It provides a floor to prevent against taking a loss and it has a ceiling for gains. Something to look at closely is the tax-free benefits that are available following the guidelines. 
• This is especially a great policy to consider if you can fund properly to provide a strong cash accumulation that you can utilize with loans as needed for whatever your needs are from tuition expenses, paying for a wedding, car, or a home down payment, and more.
• A great additional bucket to add for you or your child's future portfolio heading toward retirement. The amount of money through "compounding interest" will astound you. 

This insurance has so much to offer and we can sit down and see if this would work best for you. 

The average funeral expense ranges from $7,000 -10,000 and even higher. It's important to put something in place to make sure your loved ones are not burdened with financial worries when you're no longer there to provide.

• No medical exam
• Just a few health questions 
• Many policies have a cash value component that you can borrow or withdraw from.
• Having final expense coverage gifts your family the ability to focus on honoring you and your legacy rather than having to scramble to cover funeral costs. 
• Coverages can go up to $25,000 to $40,000 on average.  
• It also provides money that is left over from the funeral expenses to support the family with the financial strain during this difficult time. 
• Final expense insurance is a small investment with immeasurable value.  

The whole life policy is a permanent life insurance policy that has a cash value that grows at a guaranteed rate.