Kamis, 08 September 2011

7 Things you need to know BEFORE you buy LIFE INSURANCE

The delivery of TAX-FREE LIFE INSURANCE proceeds is one of the most powerful social and economic forces in our country. What a shame that so many people don’t understand or appreciate its value.

As you carefully read this post, you’ll be better able to make wise and forward-thinking decisions regarding your LIFE INSURANCE.

By far and without exception, a life insurance claim is the most sobering and rewarding aspect of my profession as an insurance agent.
Sobering in that it reminds me of the brevity of this life and the certainty that it will end for all of us… eventually.
Rewarding because it’s an opportunity for me to deliver: A stay-at-home mother to children and the promise of a quality education for them, a paid-for house and a debt-free existence to the family, or a comfortable retirement for a weary widow.

It’s ONLY with the incredible power of LIFE INSURANCE that these are possible. When it comes time for you to consider this valuable cornerstone to your financial plan, you’ll want to make some very informed and calculated decisions.

Let me walk you thru some of them to help you make the ones that are best for you.
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.

I'm an industry "insider": A licensed member of “The Club”
I’ve been inside the insurance business for over 25 years and I know it like the back of my hand: From policy to claims and back again.
I've sold insurance. I've bought Insurance.
I've studied it and I've learned that there's "good insurance" -- and there's "not-so-good insurance".
All insurance is "created equal".
Let’s take a quick trip with your imagination.

Picture yourself gone. Yes, I mean GONE, gone! Kind of morbid, I know. So if it makes it easier, go ahead and picture your exit as some grand, heroic or adventurous one. Maybe you went out skydiving or chasing wild horses in Wyoming. Or possibly you saved some kids from drowning when a school bus plunged into the lake. Either way… you’re gone.

Now -- Just ask yourself a few of simple questions.
Are there some bills left to pay? Funeral? Credit cards? Maybe a car? Or possibly a gambling tab out at Viejas Casino?

Is someone going to suffer without your income?

Is there anything to which you’d like to leave a legacy? Possibly you’d like to start a scholarship fund for some special group or just kids who need it. Maybe you’d like to have a small part of funding Meals-on-Wheels or grant some wishes come true through Make A Wish Foundation. Or maybe you’d like to leave something for your church. The possibilities are really endless.

 If you answered yes or will be answering yes to any of those in your future, then LIFE INSURANCE is something you should seriously consider.

LIFE INSURANCE IS USUALLY THE LEAST EXPENSIVE WAY TO PAY FOR ANY OF THE ABOVE ITEMS.

“How is that possible?” you ask.
Life insurance dollars come to your beneficiaries costing just pennies on the dollar. Here's how it works... Dollars you earn and have put into savings, on the other hand, cost MORE THAN A DOLLAR for every dollar you receive. You work; you get taxes taken out of your pay. Every dollar you spend really costs you about $1.27 to get after you’ve paid the tax man. Life insurance, on the other hand, is ALWAYS delivered for just a fraction of a dollar! You may pay $500 per year for $100,000 of insurance. You may have it for 25 years before you die. $500 x 25 years is only $12,500, yet the policy will pay $100.000. You've paid only 12.5 cents for every dollar of benefit.

I think I know what you’re thinking about this point.
You’re thinking of all the hassle it is to decide what kind and how much and then complete the application and then to get the physical (often you DON’T need one) and then on and on and on…

I know how you can quickly get past all that…
In reality, it only takes about an hour. You can just skim this report to get an overview of what you need to be thinking about and then if you’d like…JUST CALL ME.
I’ll likely take about 10 minutes of your time on the phone to see where you’re at and then, if you’re ready, we’ll set a time to get together. If you just want the information for future reference, that's fine too. It’s really pretty simple and I’LL DO MOST OF THE WORK FOR YOU.

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