Life Insurance helps you plan ahead and provide long-term financial security for your family when they would need it most. You can't put a dollar amount on your loved ones, but having a life insurance policy can help ensure their future is secured & protected !
More info: californialifeinsurancebrokers.com
“Foresters Financial™ believes life insurance is an essential component of people’s overall financial fitness. It protects families and can also be a useful savings and investment vehicle. But a new study shows that while 84 percent of Americans say that most people need life insurance, only 68 percent say they personally need it and only 59 percent own some form of it.” MarketWatch #life#lifeinsurance#termlife#wholelife#financialfreedom
Membeli Warisan Paper Aset melalui Asuransi Jiwa sangatlah MENGUNTUNGKAN.. Maestro TERM LIFE INSURANCE dari AXA memberikan kemudahan bagi anda yang ingin membeli proteksi jiwa saja dengan premi sangat terjangkau.
dengan Asuransi Term Life anda bisa membelikan Warisan kepada keluarga anda sesuai jumlah yang anda inginkan plus axa memberikan DISKON PREMI sebesar 5% tiap tahunya dimulai dari tahun ke-2 dst.
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Before or during pregnancy is an ideal time to look at a life insurance policy to ensure your family's future. Our newest article discusses all the things you should consider when shopping for a new or modifying and existing life insurance policy. Check out the link in our bio.
1 63 days ago
Maybe you don’t have life insurance because you simply don’t get it. Understanding the different types of policies can be a bit confusing. What we don’t want is for your family to rely on a go fund me account for survival once you pass. This book will help you understand the different type of policies in the simplest form. @business_of_course_ did a great job on breaking down the different type of policies and why it’s important! Get this book!! It’ll definitely help you understand with no confusion. Once you read this and understand life insurance a little bit more call me!! Let’s get a policy in place for you and your loved ones!
People get hung up on this ⚠️
Let’s simplify it.
When it comes to Life Insurance - a financial product that pays out a lump sum of money tax free to replace what would have been your future earned income - there are different types you’ll hear about.
💰 TERM LIFE - covers you for a specific time period, like 10, 20, or 30 years.
🤔 Works like car insurance - you pay a premium (around the cost of a utility bill) and IF you pass away, it pays out a benefit.
🤔 Otherwise, if you outlive the policy (which 98% of people do) then the policy just expires and you’ve paid the premium cost strictly for the protection during that time (when you still have all your income to earn ahead of you, may have young kids, and high balances on mortgages)
💰 PERMANENT LIFE - premiums are usually 8x to 10x higher than term life, but there is no expiration date on the insurance; it pays out WHEN you die and not IF you die (we all gotta go sometime!)
🤔 The other big part of these plans is that they build up cash value inside the plan, for you to use while you’re alive!
🤔 Cash value is not exposed to the stock market, has tax advantages, is protected from creditors, and has guaranteed compounding growth and can’t go down.
❓Which to choose?
The key 🔑 is to first get a plan that covers you with the RIGHT AMOUNT of coverage - Term Life - and THEN consider converting to Permanent Life as you want to diversify your assets (post real estate purchase, career building, etc.)
Many young folks purchase Term Life (lock in their age and health rating) and then convert a portion to Permanent Life over time to complement their Roth 401k or their Brokerage Account or their Real Estate Portfolio.
You don’t NEED life insurance when you retire and your kids are grown/independent and your mortgages are paid off. 🤓 But you should WANT some because if you HAVE Permanent Life in retirement, it allows you to best optimize your income streams ( #4percentrule nah F that more like 8% withdrawals!! 😱) as you divest from your equity / investment portfolio.
This is some advanced Financial talk and we at @90daymoneypro are ALL about helping folks make smarter financial decisions 💪
I have a client that was paying over 600$ a month for a whole life insurance policy. He’s a married father of 3 who is the main breadwinner. He had 3 policies for himself and one for his wife. The total value was 250,000$ if something were to happen to him
1st question: why does ONE person need 3 polices?
2nd question: why does a family of four with one bread winner have to spend the equivalent of a brand new car payment just to cover themselves in case of a unforeseen death ?
After I sat with him, I got him down to 149$/month with 500,000$ of coverage that he can renew up to age 95. It’s all about WHATS BEST FOR THE CLIENT... not how much commission an agent can get while overpricing clients
A father and daughter team up for an action-packed crime thriller in #TermLife. When the heist he planned goes horribly wrong and he’s framed for a drug lord’s son’s murder, @VinceVaughn and @HaileeSteinfeld are hunted by a vengeful mob boss and dirty cops.
Watch it now on Digital HD
Own it on Blu-ray and DVD 7/5