Is life insurance worth it....

Is life insurance worth it

Is life insurance worth it

Why should you buy life insurance today.  Watch this clip.

Is life insurance worth it

What is your plan?  Do you have a plan? Click here - Because you care.

Term Life Insurance for Christmas

All I Want For Christmas is…Life Insurance??     

Term Life Insurance for Christmas

I doubt it’s on anyone’s Christmas list this year, but life insurance could make a great gift for your loved ones. Sure, it’s not as exciting as the latest video game system or I-phone, but in many ways life insurance is one of the most loving gifts you can give your loved ones.

“Life insurance isn’t glamorous, it’s just needed” says Julie Halgren, director of protection products for Thrivent Financial for Lutherans. “Not only can it assist families in paying for final expenses, but with the right amount it can pay off debt from credit cards, car loans or even one’s mortgage.”

“Equally important, it can replace lost income and fund long-term goals like retirement or the children’s college education. People often under-estimate the extent to which a premature death affects a family’s income and assets.”

As a parent, the idea of life insurance is pretty simple. Set up a policy for yourself and name your spouse or children as your beneficiary and they receive the death benefit in the event of your death.

None of us are getting out of here alive.  What a great present then Term Life Insurance for Christmas

Unfortunately, according to an article in the USA Today, “The percentage of U.S. households with life insurance coverage is at its lowest in 50 years, leaving millions of families without a safety net.” LIMRA, a life insurance and financial services trade association recently found that about 70 million American adults have no life insurance coverage at all and many who do have life insurance have less than is recommended.  It's time to get Term Life Insurance for Christmas

The amount of life insurance you need depends on many factors. Yourinsurance411.com can assist you in addressing “how much” and “what kind” of insurance is appropriate for your needs.

A good start is a term life insurance plan. They are simple to understand and by far the most affordable. Click here to shop and compare life insurance quotes to find the one that best matches your needs.

Term Life Insurance for Christmas

The man who dies without adequate life insurance,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

“The man who dies

without adequate life

insurance should

have to come back

and see the mess

he has created.”

~ Will Rogers ~

(1879-1935, American Humorist, Actor)

Do you have a plan?  What is your plan?

Go to - I love my family - Because you care.

I got enough life insurance

"I got enough life insurance"

Are you sure??

Go to: life-insurance-needs-calculator

Want to know more - click here - Because you care.

I got enough life insurance

Why do you need life insurance

Why do you need life insurance

Happy Thanksgiving

Why Buy Life Insurance - Click below

Why do you need life insurance

What is your plan?  Do you have a plan?  Click here - Because you care.

Why do you need life insurance

TOP 10 REASONS TO BUY TERM LIFE INSURANCE

TOP 10 REASONS TO BUY TERM LIFE INSURANCE

TOP 10 REASONS TO BUY TERM LIFE INSURANCE
1.    To replace your income

2.    To provide funds for your family’s future living expenses

3.    To pay off your mortgage

4.    To pay for college tuition for your kids or other family members

5.    To pay off outstanding debt

6.    To provide for your spouse’s retirement

7.    To provide additional coverage when adding family members

8.    To provide funds to continue a business or assist with tax planning

9.    To provide for your burial, funeral and final expenses

10.  To leave money to your favorite charity or charities

To summarize, life insurance is the very foundation of a well thought out financial plan. Those who purchase life insurance are planners and forward thinkers. 

They sleep well at night with an assurance and peace of mind that only this coverage can provide. Your professional insurance agent, Mike Sheehan, will shop all the highly rated carriers and come up with an affordable protection plan for you, your family and loved ones.

To explore your options - click here - Because you care

TOP 10 REASONS TO BUY TERM LIFE INSURANCE

Combatting consumers' life insurance apathy

Combatting consumers' life insurance apathy

Consumers are focused on other financial priorities

According to the nonprofit LIFE Foundation and LIMRA’s 2012 Insurance Barometer Study, nearly a third of all consumers believe they need more life insurance.

The top reason uninsured or under-insured consumers cite for not obtaining more life insurance is that they have “other financial priorities.” That was mentioned as a factor by 85 percent of survey respondents.

The study found consumers are more concerned with paying their mortgage or rent (31 percent say they are extremely or very concerned) or losing money on investments (26 percent) than they are with issues that speak to the need for life insurance. Having enough money for a comfortable retirement continues to be consumers’ top financial concern (50 percent say they are extremely or very concerned).

It is reasonable to consider that the recession has forced many people to put things like securing life insurance on the back burner as they attend to what they perceive as more immediate needs, whether it be it covering basic living expenses, trying to squirrel away more money for retirement or contributing to their children’s college funds. But many middle-income consumers who could afford coverage would rather buy something tangible, like a new flat screen TV or the newest Apple gadget, than put that disposable income toward life insurance.

Life insurance is not top of mind - Combatting consumers' life insurance apathy

The life insurance industry realizes people are not being educated about why they need life insurance and why owning it needs to be higher on their priority list. But how to go about correcting the problem is another matter.

“People are aware of life insurance. If their financial advisor recommends it, they are inclined to buy it, but it’s probably not top of mind for most people.”

Raising awareness is only part of the issue. The industry also needs to dispel misconceptions and perhaps even fundamentally change the way it approaches consumers.

People don’t understand life insurance - Combatting consumers' life insurance apathy

Most life insurance policy owners neither read nor fully understand their policies, and they have little interest in voluntarily acquiring additional information. Getting people who don’t own life insurance to understand what they’re being asked to buy is another big challenge.

People who know they need life insurance coverage usually don’t know how much coverage they need, and tend to seriously overestimate how much it would cost. The 2012 Insurance Barometer Study revealed that consumers believe life insurance costs nearly three times the actual price, which undoubtedly deters them from getting the coverage they admit they need. Beyond “other financial priorities,” the second most common reason survey respondents mentioned for not obtaining more coverage is that life insurance is “too expensive.”  Combatting consumers' life insurance apathy

Survey respondents were asked to estimate the annual cost of a 20-year, $250,000, level-term life policy for a healthy 30 year old consumer. The actual cost is roughly $150, but Americans estimate the cost at $400. Younger adults, who are most likely to qualify for preferred pricing, overestimate the cost by nearly seven times the actual cost.

The fact is, the cost for basic term life insurance has fallen by about 50 percent over the past 10 years and has never been more affordable. Owning life insurance is fundamental to a family’s financial security. Combatting consumers' life insurance apathy

What is your plan?  Do you have a plan?  Click here to find out your options.

Contributing to post - Brian Anderson

Buy term life insurance online ~~ Hear Melissa's story

Buy term life insurance online

Hear Melissa's story.....

Term life insurance provides a cost-effective solution to your temporary life insurance needs and gives you the flexibility to change your policy should your temporary needs turn into permanent goals.

Term life insurance is right for you if you want an affordable way to get maximum coverage. It is very effective in covering specific financial responsibilities like a mortgage or college expenses. Term life insurance can also be an excellent supplement to your permanent life insurance during periods when coverage needs are higher, such as family-growing, mortgage-paying years.

Term life insurance is exactly as the name implies – a life insurance policy that provides death protection for a stated time period, or term. Term life can be constructed for varying lengths ranging typically from 10 years to 30 years. One of the reasons term life is so popular is that it can be purchased in large amounts for a relatively small premium.

Term life is different from traditional whole life insurance in several ways. These features of term life make it attractive to those with shorter-range life insurance goals to consider. Here are a few characteristics of term life that you should know before buying:

• Guaranteed level term premiums that can remain the same over the duration of the term. This assists with budgeting.
• Convertibility. Policies can be convertible from term to permanent policy up to age 75 (or higher) in most states.
• Renewability. The policyholder can continue coverage (without proof of good health) past the original coverage period of the policy with a premium increase.
• Accelerated Death Benefits. you can purchase a rider that allows you to collect a portion of your benefits while still alive if you are diagnosed with a terminal illness.
• Disability Waiver of Premium. This rider waives premiums when you suffer a disability lasting six months or longer.
• Accidental Death Benefits. You can purchase a rider that doubles or triples your benefit in the case of death by accidental means–so your benefit can increase when you are younger and more likely to die in an accident than from illness.

Term life is a shorter-term solution that can be terminated when the need for it is over and can be increased when the need for it is greater.

Buy term life insurance online 

Typically, term life insurance is purchased when lifestyle changes prompt clients to consider purchasing term life insurance:

• Making Significant Purchases. Buying a new home, new vehicle, or other “major” purchases that would leave your heirs in a bind should you pass away. These purchases should prompt a review of your insurance situation.
• Extra Protection for child-rearing years. Adding coverage is appropriate for parents on a tight budget who require solid protection for their children.
• Covering College Tuition. With the cost of four years of college at 30,000 or more, term life can ensure that your children can attend and finish school.

What is your plan?  Do you have a plan?  To start - CLICK HERE - Because you care

Buy term life insurance online

Parents Underestimated Value of Life Insurance

Parents Underestimated Value of Life Insurance

While it might seem reasonable to assume that becoming a parent would be enough to trigger a person’s interest in life insurance, a recent MetLife study finds that this is not always the case. In fact, the study finds that most individuals consider life insurance when they get married, but do not reconsider it, or purchase it in greater amounts, when they become parents. As a result, many parents either do not have life insurance, or they have it in inadequate amounts. This study is analyzed in a recent U.S. News & World Report.

Different families have different needs, different aspirations, and different financial situations, so there is no one-size-fits-all life insurance solution.  However, all parents are alike in their passion for protecting their families, especially the children, and for ensuring that they leave behind a rich legacy. For that reason, considering the benefits offered by life insurance is something all families should make time for.

The U.S. News & World Report story makes a similar argument. In fact, the article says that thinking about life insurance belongs on any new parent’s to-do list, alongside nursery preparation and “stocking up on diapers.”

The article also makes note of the many reasons why parents often neglect to properly consider life insurance. Sometimes it is due to perceived financial strain, and in other instances it stems from inconvenience, as a life insurance policy typically requires a brief physical check-up. Also common, the article says, is a simple desire to avoid thinking about something as harrowing as an untimely demise.

Despite these causes,  life insurance offers too many potential benefits to ignore it completely.  Life insurance offers protection and peace of mind, and preparation for events that are otherwise unthinkable. “Yourinsurance411  agrees that parents should make life insurance an item on their to-do list.”  CLICK HERE - TERM INSURANCE for more information

Parents Underestimated Value of Life Insurance

The Most Popular Reason to Purchase Life Insurance is….

The Results are In: The Most Popular Reason to Purchase Life Insurance is….

Marriage prompts more life insurance purchases than any other life event, according to a new poll from Northwestern Mutual. The survey of more than 2,000 American adults found that 32 percent of those who purchased life coverage on their own, as opposed to through an employer, did so as a result of getting married.

Other popular reasons for getting life insurance coverage were planning for retirement (25 percent) and becoming a parent (22 percent).

On the flip side, another recent poll looked at reasons people cite for not purchasing life insurance. The 2012 Insurance Barometer Study found that “other financial priorities” were named by 85 percent of people without life insurance as the main reason they lacked the coverage.

The study, sponsored by the non-profit Life and Health Insurance Foundation for Education (LIFE) and LIMRA, a life insurance marketing association, also found that the second-leading reason people gave for not buying coverage, picked by 83 percent, was that it’s “too expensive.”

LIMRA said that 95 million Americans, a third of all U.S. households, have no life insurance. The number of insured is also growing. Today 11 million fewer American households have life insurance compared to six years ago, according to LIMRA.

Why Purchase Life Insurance Now?
Results of both these recent survey suggest prospective life policyholders have some inconsistencies in their knowledge about life insurance.

For instance, getting married is probably a sound reason for purchasing life coverage, since new spouses now have someone else depending on them.

Marriage also may involve large joint purchases, such as buying a home. So one’s unexpected death could easily create a financial hardship that would be mitigated by life insurance.  The Most Popular Reason to Purchase Life Insurance is…

But Insurance Barometer survey respondents who said life insurance was too expensive probably weren’t well acquainted with the fact that, according to LIFE, life insurance premiums at the moment now are lower than they normally are.

Married or single, with kids or without, near retirement of just starting out, life insurance has rarely been a more affordable option, the group said.  The Most Popular Reason to Purchase Life Insurance is…

What is your plan?  Do you have a plan?  CLICK HERE – Life Insurance ~ Because you care.

These are the cold hard facts about life insurance

These are the cold hard facts

None of us are getting out of here alive.  Though we may think we will live forever – no one has accomplished it yet.  The when, why and how’s most of us just don’t think about.

If we knew when we were going to die it would make family planning very easy.  That way we could buy a bunch of life insurance the day before we die.

Now if that is the case, why wouldn’t you buy it now?  Easy answer – the money.  “I don’t know how long I will have to pay for this."  Now if we did know the date of your death and you bought it the day before, you are asking the life insurance company to pay your family a big chunk of money and you paid nothing for it.  How long would any insurance company remain in business?

We hear this all the time.  “The only two things that is for sure are death and taxes.”  We pay our taxes because it is the law and you don’t want to go to jail.  We are forced to pay our taxes.  This is a chunk of money going to support everyone else.  Now when it comes to our death we are willing to take the risk and have just enough or no life insurance at all.  Is that putting your family at risk?

Denial plays a very big part of our life insurance planning.  “Nothing is going to happen to me.”  “I can get to it tomorrow.” “I have some at work.”  We pay are taxes, maybe regrettably, but we pay them.  But little or no time and investment is made in your family to make sure they are provided for when you die.

“My wife will get social security.”  If this is your plan, do you know what that amount is?  By the way the average monthly amount is $1,500.  Is this enough to support your family in the fashion they are accustomed to?

These are the cold hard facts about life insurance

A $500,000 death benefit will provide for your family a tax free income of $50,000 a year for 10 years.  Is this good for you?  Is this good for your family?  Then what happens at the end of 10 years?

Over my 25 years of selling life insurance, some of my clients have died, they were not planning on it.

A lot to think about or you can just keep going down the river of denial.  It is up to you.

These are the cold hard facts about life insurance

I have over $1,000,000 of life insurance on myself to protect my family.

What is your plan?  Do you have a plan?  CLICK HERE now.  Life insurance – Because you care.

What is the difference between term and whole life insurance

What is the difference between term and whole life insurance

Term vs. Permanent


This is on the differences between term and permanent life insurance.

Term Life Insurance

Let’s define term life insurance.   Term life Insurance covers the policy holder for a specific period of time. This period of time is what is referred to as the term. The policy holder’s beneficiary only receives a death benefit if the policy holder dies within the term.

Term life insurance is popular because it offers lower premiums. It is temporary, but it is often purchased by people who only need coverage for a specified time. For instance, it is often bought to cover the time until children reach adulthood, or the time it takes to pay off a mortgage.

What is the difference between term and whole life insurance

Permanent Life Insurance

Let’s define permanent life insurance. Permanent life insurance, for example whole life, offers lifelong protection. As long as the premiums are paid, the policy holder will not lose coverage. Permanent life insurance usually has higher premiums compared to term life insurance.

Permanent life insurance policies are also designed to accumulate a guaranteed cash value over time and often include investment options depending on the type of policy selected.

What is the difference between term and whole life insurance  Which Type of Life Insurance Is Better?

Actually, one type of life insurance is not considered “better” than another. Both permanent and term insurances have benefits and drawbacks. Which life insurance you choose, depends on your particular circumstances. When you buy life insurance, talk to an expert to help make your decision easier.

To get a Term Life Insurance Quote

What is the difference between term and whole life insurance

What You Ought To Know About Life Insurance

What You Ought To Know About Life Insurance

Purchasing a life insurance policy can be invaluable to your loved ones if you happen to not be around one day. Read the information provided below to learn a number of factors you need to take into account when looking for life insurance to suit your needs.

Make sure that you have a purpose in mind for your life insurance. Firstly, decide why you want it, and the reasons you need it. You will get lower premiums if you are still young: start thinking about life insurance early.

You should only work with agent if you feel that he or she is trustworthy and knowledgeable. The person you choose will be handling your policies for your entire life, as well as assisting your family with these policies once you are gone. Obviously, having an agent you can trust matters a great deal in life insurance. Make sure you find someone with whom you feel comfortable. What You Ought To Know About Life Insurance

If you have people who are financially dependent on you, you should consider purchasing a life insurance policy. If you pass on, life insurance could mean your spouse is able to finish off your mortgage or even put your kids through college.

TIP #1
Be sure to fully understand what your needs are prior to beginning your search for life insurance. Not really comprehending just what your distinct needs are, could mean two separate possibilities that are equally risky to your wallet: paying for insufficient coverage, or overpaying for too much. Failure to address even one of these things can cost you a more favorable rate.

Independent Agents

Be cautious in your search for a reputable life insurance agent. Big companies will use agents to promote their products, while independent agents can offer you a wider range of possibilities. Most independent agents are knowledgeable about available options from various providers, which makes it easier to find a policy to fit your coverage needs.

If you’re married and are seeking a discount on life insurance, you should check out a joint-life insurance policy. If you desire to save money, this option is always a good choice. There is no “double payout” option with such a policy, and the death of one partner is going to bring the policy to a halt, so keep that in mind when deciding.  What You Ought To Know About Life Insurance

TIP #2
You need to see if your employer participates in group life insurance plans. Opting for a policy offered through your work can save you money.  But make note these policies are not yours and probably will not go with you when you leave or retire.
Don’t cash out your policy except in extreme necessity. There are many people today who are opting to terminate their insurance policies for cash. Cashing in a policy, especially a permanent life policy, will cause you to lose a lot of the money that you had invested in the coverage. There are much better ways you can do this.

When researching life insurance policies, it is wise to do your own homework so that you understand the products, but it’s also smart to cover all your bases by speaking with a professional. Their knowledge is slightly different because it may be biased, but it is still based on some truth and experience. This can help you understand what the results or possible solutions for certain obstacles will be.

Get a policy from a large company with a great reputation. An inexpensive policy through a firm with a poor reputation will not provide much security if they cannot pay out your policy in the event something happens.

Be a careful consumer and question insurance salesmen or representatives about the information and statistics they give you. If an agent tells you the ratings available for the company they work for are not relevant, you should file a complaint right away.  What You Ought To Know About Life Insurance

TIP #3
There are several ways in which you can purchase a policy. Do you want to purchase it with your employer or by yourself? There are also agents and financial planners who may be of assistance, however, bear in mind that the majority of these are fee or commission driven.
If you happen to fall into a category that insurance companies consider high risk, remember to shop around before settling on a policy. Do not be afraid of one a high quote from a single life insurance company. Companies have varying policies and charges for a variety of conditions. You may find some companies refuse to even accept you, while some may offer you a great premium rate.

It is invaluable to do your own individual homework prior to deciding on life insurance coverage. Find out what type of policies there are, and how they can meet your needs. Choose a policy that meets your needs and fits into your budget. Read the contract and ask any questions before signing. You should understand everything that’s in the contract.

What You Ought To Know About Life Insurance

It is important for you to purchase any life insurance policies from well-known companies. Insurance companies differ in serious and fundamental ways, so take your time to make a careful choice. Research these companies that are well-established, that have great financial standings, and that are well-known for quality investments.

An independent broker may be able to get you a better deal on life insurance than you would if you went straight to the insurance company. Doing this gives you more options. A broker will show you policies from many different firms. However, a firm will likely only have a limited number of options based on a handful of their specific plans. Your life insurance is something that you will hopefully have for many years, so do the appropriate research prior to making a decision.

TIP #4 
It’s always recommended you avoid all products containing caffeine prior to any medical exams for life insurance. While caffeine is legal, it can increase your heart rate and blood pressure to the point that it might reflect badly in your exam.
The amount and type of life insurance your family needs depends on factors such as the type of lifestyle you lead. Each family has unique requirements that you need to consider when planning for an unforeseen loss. It is important that the coverage you purchase is adequate for your family’s lifestyle.

As you now realize more than ever, a good life insurance policy will protect your loved ones in case of tragedy. It’s essential that you choose the right policy that is suitable for your family. This article’s advice can assist you in finding the right policy that you

To get a quote – Click here – Because you care.

What insurance do I need to Buy?

What insurance do I need to Buy?

How Much Term Life Insurance Do You Need to Buy?

How much life insurance coverage I need to buy was something that really wasn’t important to me until I got married.

My first policy was a $100,000 Universal life insurance policy and I thought that was plenty.  It was not until we had our first daughter, at age 26, that I quickly realized that was not nearly enough.

After her birth, I decided to increase it substantially.  With us in the process of buying our first home and a second daughter on the way, I’m left wondering even with that increase if I really have bought enough life insurance.

Update: We now have five children and I have increased the amount of life insurance, at age 57, I have on myself and on my wife.  Check the end of the post to find what I’ve increased my term life insurance to and my rationale.  What insurance do I need to Buy?

I know many struggle with this same decision so I wanted to shed some light on how much life insurance is enough.

First things first, life insurance is for one purpose: income replacement.  While there are times where life insurance can aid in more complex estate planning strategies, a majority of the time it’s purchased to take care of your family once you’re gone.  What insurance do I need to Buy?


My reasoning for purchasing life insurance is that I want to leave my wife and kids without any debt and the ability for my wife to not worry about finances in the event of my unexpected passing.

I now have a $600,000 - 20 year level term policy and $250,000 of whole life insurance.  My wife has a $200,000 Universal life policy

What insurance do I need to Buy?

I have peace of mind that my family is set – if I didn’t come home.

What is your plan?  Do you have a plan?  Click here – because you care.

What insurance do I need to Buy?

Life Insurance Quotes

Life Insurance Quotes

Free Life Insurance Quote

You know that having insurance is important, but it can be pricey sometimes. If you want to save money on insurance, one of the best things you can do is shop around, getting different quotes.

Well, you are in luck! Our quote engine saves you time and hassle from having to go to multiple sites or calling several insurance offices trying to find the best rate.

Life Insurance Quotes

Click Here for a FREE Quote - Because you care.

Life Insurance Quotes

Neil Armstrong Couldn't Afford Life Insurance

Neil Armstrong Couldn't Afford Life Insurance, 

So He Used A Creative Way To Provide For His Family If He Died.

by Robert Johnson

After all the danger, glory, and fame it's easy to forget that at the end of the day astronauts are federal employees subject to the same General Schedule (GS) pay scale as everyone from typists to CIA agents.

Unfortunately, a federal salary wasn't enough for Apollo 11 astronauts to purchase life insurance.  When Neil Armstrong and the rest of the crew of Apollo 11 piled atop that huge rocket packed full of fuel in 1969 they were under no illusions that it may have been the last thing they ever did. Unfortunately, neither was anyone who might have insured their lives, and helped provide security for the astronauts' families in case they didn't come home.

Back then astronaut captains made about $17,000 a year, NPR reports and a life insurance policy for Neil Armstrong would have run about $50,000 a year, or more than $300,000 in 2012 dollars.

What the trio did to provide for their families has become somewhat of a low-flying legend.  It happened like this:
Because some guys from the prior Apollo missions had gotten colds and mild bouts of queasiness on their trips, NASA had implemented a quarantine procedure before liftoffs.

So about a month before they were set to go to the moon, Neil Armstrong, Michael Collins, and Buzz Aldrin were locked into a Plexiglas room together and got busy providing for their families the only way they could — they signed hundreds of autographs.



In what would become a common practice, the guys signed their names on envelopes emblazoned with various space-related images. The 'covers' would, of course, become intensely valuable should the trio perish on the mission. They're now often referred to as " Apollo Insurance Covers."

And to ensure the covers would hold maximum value, the crew put stamps on them, and sent them in a package to a friend, who dumped them all in the mail so they would be postmarked July 16, 1969 — the day of the mission's success — or its failure.

Fortunately, the trip went off without a hitch and all three men went on to live long, healthy lives and all remained alive until Neil Armstrong's death a few days ago.
The covers are still around, and not too hard to find. In 2011, Collectors Weekly pegged their average value at around $5,000.

Neil Armstrong Couldn't Afford Life Insurance

Needless to say it is very easy for us to get adequate life insurance to protect our families.  What is your plan?  Do you have a plan.  Click here - Because you care.

5 things not sexy about managing your money

5 things not sexy about managing your money

1.Not checking your credit report.
It is so simple, go to – www.annualcreditreport.com  It is F*R*E*E.

2.Not saving enough.
You should set aside at least 20% per year.  Put in something that is safe, guaranteed and has a predictable rate of return.

3.Not teaching your children about money.
Do you want them to be able to support themselves?  Plus they might be taking care of you someday.

5 things not sexy about managing your money

4.Not putting enough in an emergency fund.
What is your plan if you need cash - fast.

5. Not having enough life insurance.
If you believe you are not going to die – ignore this one.  If you do believe you will someday meet your maker and you have no savings, no emergency fund and no credit – how is your family going to survive?

Click here – Because you care.

5 things not sexy about managing your money

35 million households are without this...

35 million households are without this...

Between school plays, soccer games and that little thing called “life”, many of you neglect to get the right amount of life insurance coverage.  Or worse – have ZERO coverage!

In fact, it’s estimated that 35 million households don’t have any life insurance.

                                                                                        Did you catch that?

                                                                                They ain’t got nothin!

35 million households are without this...

35 million households are batting .000 on their life insurance.

For those that do have life insurance, it’s estimated that 58 million households believe they don’t have enough.

Is this you?  If so, you can do something today.  

Go to Your Life Insurance 411 NOW -  because you care.

35 million households are without this...

I don’t love my family…

I don’t love my family…

“The life insurance I get from work will be enough.”  How much is that?  “I don’t know.”

I don’t love my family…

“Those insurance companies are ripping me off.  I’m not going to buy life insurance.”

I don’t love my family…

“I don’t want to leave behind a rich widow.”

I don’t love my family…

“The government will take care of them”

I don’t love my family…

“Life insurance is too expensive.”

I don’t love my family.

“I’ll just get it when I am older.”

I don’t love my family…

“I’m not going anywhere – why do I need life insurance.”

I don’t love my family…

“My parents didn’t leave me any life insurance – why should I buy some.”

I don’t love my family…

“It will probably expire before I die.”

I don’t love my family…

“I think I have enough life insurance.”

Is this you?  What is your plan?  Do you have a plan?  Click here – Because you care.

Life Insurance allows a Dad to be a Dad

Life Insurance allows a Dad to be a Dad

Mary & George always managed to make the best out of challenging situations. They found their first house, an abandoned century-old Victorian, on the site of a new mall. They paid to have it moved six miles away to a new lot, and with extensive renovations it became their dream home. When Mary lost her job as a computer support specialist at a local bank, she started her own consulting firm and it quickly became a more rewarding career.

Life Insurance allows a Dad to be a Dad

One of Peggy’s clients was an insurance agent. She took care of his computers, and he vowed to always take care of her family. When Mary’s business started to take off, he knew she needed more life insurance because her income had grown significantly. With his help, Mary doubled her coverage. Two years later Mary was diagnosed with breast cancer. To help pay her mounting medical costs, Mary was able to borrow against the cash value of several permanent life insurance policies she had owned for almost twenty years.

Life Insurance allows a Dad to be a Dad

Sadly, after a three-year battle, Mary died at age 48, leaving behind George and their four sons. George, 52, used the insurance benefits to repay the loans against her policies and other medical costs and debts that had accumulated during Mary’s illness. He also paid off half their mortgage.

Life Insurance allows a Dad to be a Dad

More importantly, the insurance allowed George to accept a lower-paying job closer to home. Now instead of a 70-mile commute and having to work 12-hour shifts and every other weekend, George works weekdays until 3:30 p.m. That gives him the freedom to be there when the boys arrive home from school, attend all their activities and fully participate in their lives. “That’s really important to me, and I know it would be important to Mary.”

What is your plan?  Do you have a plan?  Go to Your Life Insurance 411– Because you Care.

Life Insurance allows a Dad to be a Dad

Surviving a nightmare

Surviving a nightmare.

It seemed like just another day for Mark, his wife Sarah and their two daughters. The family was stuck in traffic near their suburban home when a violent thunderstorm hit. Nothing could have prepared Mark for what happened next. A tree fell on their car with horrible precision, instantly killing Sarah, 33, and their daughters, ages two and six months.

Mark had always believed he and Sarah would live to enjoy cheerleading, proms and grandchildren. Now he found himself alone, not sure how he’d pick up the pieces.

One thing that has helped is the financial planning he and Sarah began early on. Buying permanent life insurance was one of their first decisions. It provided protection while allowing them to accumulate cash value for future needs. Later, the couple bought additional coverage to protect their thriving graphic arts business and growing family.

Since the accident, the life insurance has given Mark time to grieve. “The money won’t bring Sarah and the girls back, but it makes the existence I find myself in easier. I don’t have to work while I’m not ready, or sell my house because I can’t afford the mortgage. I’ve been able to think slowly about my future.”

The insurance money has also helped keep the business running in Mark’s absence. And should he decide not to return, the buy-sell agreement he purchased will make it easy for Mark’s partners to buy his share of the business.

Surviving a nightmare

Mark states, “I know I’ll do better than survive. I’ll live and succeed in the second chapter of my life and make my family proud.”

What is your plan?  Click here – Because you care.

Surviving a nightmare

What is purpose of life insurance

What is purpose of life insurance

It might not be for you but here are a number of reasons.

Your life insurance can be a sound financial investment and planning tool.

In the event of death, your life insurance policy can serve as replacement for some lost income so that your family and loved ones do not endure financial hardship.

A life insurance policy can pay for your final costs and expenses.  Burial costs, estate planning, attorney and administration fees, debts, and medical expenses all contribute to high costs at time of death.

What is purpose of life insurance

Your decision to purchase life insurance gives loved ones the peace of mind that these financial burdens do not become lasting monetary hardship.

Your life insurance can also be an inheritance to your heirs, even if you have no assets at time of death.

Your life insurance policy can also act as a savings account in some instances, which can be withdrawn or borrowed at your request.

Your life insurance can also be used to make a planned charitable contribution at the time of your death.

What is purpose of life insurance

Your decision to purchase life insurance should not be taken lightly.  If you have questions on how to buy life insurance or questions regarding the process to buy life insurance, click on – Your Life Insurance 411

Because you care.

Non-Buyers Rank Life Insurance as a Priority, But No One's Asking Them to Buy

Non-Buyers Rank Life Insurance as a Priority, But No One's Asking Them to Buy

Nearly half of consumers who have not purchased life insurance consider the product among their top five financial priorities, according to a survey by Deloitte Research, and 21% ranked it in their top three.

So why haven’t they bought?

Interestingly, a third of non-buyers said they have not purchased a life insurance because no one had approached them with an offer to sell a policy. Almost a quarter (23 percent) said they didn’t understand the benefits of life insurance or how it would help them.

Among all consumers who have not purchased life insurance, 62 percent said they received no offers to buy life insurance during the past year, while only 8 percent had been approached by an agent. Non-Buyers Rank Life Insurance as a Priority

“From our survey it is clear that life insurance is very much on the minds of many consumers,” said Rebecca C. Amoroso, vice chairman and U.S. insurance leader for Deloitte. “A significant percentage of respondents have simply not been offered coverage recently; many also noted that they never shop for coverage on their own initiative. Not soliciting their business exacerbates this gap between insurers’ interests and consumers’ needs.”

The survey complements research by LIMRA, which found that 56 percent of U.S. households have no individual life insurance coverage.  Non-Buyers Rank Life Insurance as a Priority

Now it is easy to buy.  Click here – Because you care

Non-Buyers Rank Life Insurance as a Priority

We can always take care of it later ~~ Life Insurance

“We can always take care of it later.”

That’s what my client, we will call him Tom, said to me once.

For that matter, many prospects have said that to me.

But let me tell you about Tom.  He was 32 years old and engaged to be married to Kelly.  Tom and Kelly were very busy, like we all are, and we finally set an appointment to take care of their life insurance.

They decided to purchase a $25,000 whole life policy as well as a $125,000 term policy to cover their mortgage.  As we completed the applications Tom decided to wait on the $125,000 term policy.  Tom said, “We can get that later.”

The $25,000 whole life policy was issued.  Upon delivery of the policy I asked again, “You want to get the mortgage insurance policy started?”  Tom said, “No we will do it after the wedding.”   They were to be married in 3 months.

Then it happened.  About a month later I received the call from Kelly.  Earlier that day there was a news report of an explosion at a nearby factory - the factory where Tom worked.  Kelly’s call was to tell me Tom had died in the explosion.

We can always take care of it later

Needless to say, I was shocked.  Yes, the $25,000 policy was paid to Kelly.  But what made things even more painful was Kelly’s comment to me, “I wish we would have purchased that other policy when you urged us to.”  She ended up losing the house.

Can you afford to take care of it later?  Click here.  Because you care.

We can always take care of it later

He didn't come home ~~ the need for life insurance

He didn't come home.

Everyone just assumes that when they leave their home in the morning that they will be coming home.

For my Dad, 15 years ago, that didn't happen.  He was only 60 years old.  No health issues, no prescriptions.  He exercised and had a low stress business.  So there were no signs.

It just happened.

He was a successful businessman and understood the value of life insurance.  He had a lot of it and mostly term insurance.

Because of this my mother has continued to live a full life and has not had to change her standard of living.

He didn't come home

My Dad surely didn't think he would die so young but he knew in his heart if he did his wife would be well taken care of.

None of us are getting out of here alive.  What is your plan? Click here 

Life insurance - Because you care

He didn't come home