Life Insurance & Annuities 101
I Work for You
I enjoy working with anyone that needs help but I especially love helping parents and business owners protect their assets and provide for their financial future.
As an agent for life insurance and annuities I actually have a fiduciary responsibility to you, the client. That means I am legally bound to do what is in YOUR best interest. Not mine or the companies I represent!
My goal is to educate you on your options so you can make a great decision to fit your needs. I never sell you anything.
That's it. (sounds simple right).
A Great Way to Protect and Grow Your Money
Protect your money with a 3,5 or 7 year fixed rate annuity. No fees, no risk, tax deferred growth, access to funds and a great fixed rate helps make this product one of the most popular annuities out there. These annuities are great for people looking for a safe place to put their money and still have guaranteed growth.
With no fees, no risk, deferred tax growth, access to funds and lots of upside potential these annuities are becoming one of the most popular investment options out there. Simply put, when the index goes up your account goes up, when the index goes down your account stays up. Your account never has less than what you put into it.
AFLI Education Moment
The 2 main types of life insurance
1- Term life insurance offers affordable protection
2- Term life insurance provides a tax free death benefit
3- Term life insurance is usually convertible to whole life insurance with no additional underwriting
4- Term life insurance does not build equity or cash value in the policy
5- Term life insurance lasts as long as the term is set for (10-30 yrs)
6- Term life insurance is not guaranteed to pay out
7- Term life insurance has a set premium for the life of the policy
8- Term life insurance policies may be cancelled by you at any time
1- Whole life or IUL insurance last your entire life so it is guaranteed to pay out to your beneficiary
2- Whole life or IUL insurance builds equity or cash value within the policy
3- Whole life or IUL insurance can provide tax free income in retirement
4- Whole life or IUL insurance provides a tax free death benefit
5- Whole life or IUL insurance is a great way to leave a legacy for your family
6- Whole life or IUL insurance can be paid for over your whole life or a short period of time
7- Whole life or IUL insurance has a set premium for the life of the policy
8- Whole life or IUL insurance policies may be cancelled by you at any time
LIFE INSURANCE POLICIES WITH LIVING BENEFITS
Did you know some life insurance policies come with “living benefits” too?
A critical illness benefit might pay you for a variety of health conditions (like cancer, heart attacks, strokes, etc.).
A chronic illness benefit might pay you if you are unable to perform 2 or more daily living skills (like walking, bathing, eating, etc.).
A terminal illness benefit might pay you if you are not expected to live more than a certain period of time (usually 24 months or less) so you can enjoy what time you have left.
These are just some of the living benefits that can add great value to your life insurance policy, and I am happy to discuss them in more detail with you when we talk.
So, are you ready to have me be your Agent for Life Insurance yet? (you know I would love to be your agent). Don’t worry I am licensed.
Frequently Asked Questions
How much life insurance coverage should I have?
The amount of coverage is determined on a case by case basis as everyone has different needs.
What do you specialize in?
We specialize in asset protection and retirement income strategies.
What are the rates of your services?
We do not charge anything for our services but are compensated by the companies we work with.
What is the best way to prepare for my retirement?
Book a FREE complimentary 30 minute strategy session now.