4/30/2017 
 
SURVIVING UNEXPECTED LIFE EVENTS 
 
Your love ones depend on you and your ability to earn an income.

Many financial expert suggest that families need an emergency fund for six months of total household expenses. Now is the time to look into planning for unexpected life events using life insurance as part of your financial portfolio.

If you were to suffer a critical illness or injury, 1 of 2 things will happen–you will either die or you will survive. Proper insurance planning can help by providing money when you and your family need it most.

If you die, life insurance can provide money that can be used to help meet the continuing needs and obligations your family may face such as lost income, paying off the mortgage, paying for a child’s education or final expenses.

If you survive, you need to consider how much income is needed to pay your monthly bills such as, mortgage/rent, auto loans, credit cards, utilities, medical–you get the idea. If a critical illness or injury left you unable to work for a time period, how long could your family financially survive?

It’s never too early to start planning for your financial future. For more information on life insurance with living benefits, visit my website.                                                 
 
 
 
5/1/2017
 
KNOWING YOUR FULL RETIREMENT AGE
 

Your full retirement age, as it pertains to Social Security, is based on the year that you were born. For people born before 1955, they can claim unreduced benefits at age 66. For those who are born in 1955 and later, the age for benefits is 67.

So what exactly is "full retirement age?" It is the age at which a person may first become entitled to full or unreduced retirement benefits.


The earliest that you can claim Social Security is at age 62--and most people file for their benefits before they reach their full retirement age.

It's very important that American citizens pay attention to Social Security. For most people, Social Security is their biggest source of guaranteed retirement income that they will have.

For more information on full retirement age, click here.

5/2/2017
 
YOUR INCOME IS IMPORTANT 
 

It’s one of those middle of the night worries.

What if you got too sick or hurt to work? How would your family continue to pay the bills? And even if you have disability insurance through your employer, is that enough?

An individual disability income policy can help. The benefits are tax-free, and the policy is yours–even if you change jobs.

Still have questions regarding disability insurance? watch this video

 
5/5/2017
 
THE ASSET YOU RELY ON MOST IS YOUR INCOME
 

Everyday, your income helps to pay for living expenses, but it also gives you the chance to do things you love to do. What would happen to your daily bills, etc., if a serious illness or accident were to happen?

Income protection--disability insurance, is an insurance policy that pays you benefits, just like a monthly paycheck, if you can't work because of an illness, like cancer or stroke, or if you were to suffer an injury that occurs while you are employed. You may be surprised at a recent disability statistic: 1 in 4 of today's 20-year-olds will become disabled before they retire. Illness and injuries can happen to anyone at anytime.

Take comfort in knowing that you will be able to maintain your current lifestyle no matter what life brings you by insuring your number one asset--your income.

To calculate your income protection needs, click here.

5/8/2017
 
YOUR VITALITY AGE 
 

The fitness craze is here to stay. Everyday, new diets and workout regimens are formulated, all with the idea to make us healthier, happier and to live a longer life. Your Vitality Age can give you a snapshot of your overall health

What does Vitality Age, fitness and good, healthy eating have to do with life insurance? Well for one thing, if you want to protect your loved ones financially in the event of your premature death, the healthier you are when applying for coverage, the lower your premium (cost of the policy) will be.

Insurance companies, like John Hancock, recognize how important a healthy lifestyle is during the process of applying for life insurance, as well as maintaining that healthy lifestyle throughout the life of the insureds policy. John Hancock’s Vitality program awards valuable rewards to its insured, just by simply living a healthy life. The healthier lifestyle, the more rewards and savings are possible.

This innovative life insurance solution provides the opportunity to significantly lower annual premiums, help organize personal health goals and provides a free FitBit to help track the insureds progress. In addition, there are discounts from various entertainment, shopping and travel companies.

Your Vitality Age is an indicator of your overall health and wellness. To discover your Vitality Age, click here.

5/9/2017
 
RETIREMENT SOLUTIONS WITH LIFE INSURANCE 
 

When it comes to retirement planning, are your looking for more potential annual income or more guarantees?

With some permanent life insurance policies, some will focus on “guaranteeing” that coverage will be there when you need it. Others provide the potential for tax-advantaged, cash benefits, which can be used to supplement retirement income.

Which one is right for you? Income, guarantees, or both?

For more information, check out Quality of Life…Insurance, by AIG.

6/7/2017 
 
THE MISCONCEPTIONS OF LIFE INSURANCE 
 

There are three common misconceptions that prevent many young families from investing in the life insurance that they need. They are:

  1. Life insurance is only needed on the primary breadwinner of the family. If your paycheck is smaller than the primary breadwinner, your income is still needed for your family to maintain their quality of life. If you or your spouse do not work outside of the home, life insurance on the stay-at-home parent is still needed to replace valuable services that are lost such as, childcare, cooking, household work and management.
  2. When my term life insurance policy ends, it will be easy to renew the policy. Term life insurance provides protection for a specific amount of time (and usually at a low cost) and can be a good fit for those who feel that their financial needs will change or disappear overtime, such as a mortgage or a child's education. But because life insurance premiums increase with age-and declining health, renewing a term policy can be very expensive.
  3. My family and I only need term life insurance. Again, term is good for a specific amount of time, but many families realize that their need for life insurance continues because they want to provide an income for a surviving spouse, send a child to college or paying off debt. Permanent life insurance not only provides a death benefit to your beneficiaries, but it also provides lifelong protection with the ability to accumulate cash value on a tax-deferred basis. The cash value can be accessed for many important uses mentioned above, as well as supplementing your retirement income.
  4. If you were to die unexpectedly, the life insurance you invest in is there to make sure your loved ones can maintain their standard of living and keep their future plans on track. For more information on term and permanent life insurance solutions, send me an email.
 
 
 
 
 
 
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