How to benefit from Life & Disability Insurance
TERM Life
This is the most popular type of life insurance and what most people think of when they think of life insurance.
Term insurance is designed to give you the biggest death benefit for the least amount of money. BUT BE CAREFUL!
Most people make a lot of mistakes when they purchase term life insurance. Here are the top mistakes people make:
They buy cheap life insurance through work and don’t realize they can’t take it with them when they leave that job. If you have medical issues after you got the policy, you might not be able to get life insurance again.
They think it is expensive. It can be way cheaper than you think. For a healthy 35 year-old, a million dollar policy can cost as little as $35 a month.
They don’t buy enough. The general rule is that you should try to buy 10 times what your annual income is. That means if you make $75,000 a year, then you should try to get $750,000 in death benefit protection.
If you can’t afford a policy worth 10 times what you make, then please get something. $100,000 in protection can cost as little as a few dollars a month.
They don’t realize that a term policy can also pay them money if they just get sick, but don’t die.
Permanent Life
Few people in our modern world understand the true value of permanent life insurance. For years it was used by people like Walt Disney to achieve their dreams. Now, there are so called “experts”, who routinely tell their followers to only buy term life insurance. That’s a mistake!
There are wonderful secrets hidden inside the right types of permanent life insurance and I would love to share these secrets with you.
Secrets like:
How to retire tax free
The best way to pay for college
How to benefit from your money just like a bank does
The best solution for long term care costs
Click below to start revealing these secrets.
DISABILITY
Disabilities happen every day and they always surprise people. If your family depends on your income or your business and employees depend on you, then we believe it is careless not to have the right strategy in place to take care of them.
When everyday personal expenses are suddenly unfunded, savings accounts dwindle rapidly; when there is no monthly income it will become difficult for you to support your family, maintain your house, and sustain your lifestyle. Here is a sample of all the different types of disability polices we offer.
Long Term
Short Term
Guaranteed Issue
Business Overhead
Key Man
High Limit
Pilots
Medical Professionals
Pro Athletes
Entertainment Industry
Contact us for a strategy session.