What happens to the kids when you are gone.

What happens to the kids when you are gone

What happens to the kids.....

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                                             What happens to the kids when you are gone

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Life insurance - Because you care

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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)

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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.

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What is the difference between term and whole life insurance