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ENTERING THE GOLDEN YEARS WITH CAPITAL TO PROTECT?You May Want to Consider a Fixed Indexed Annuity
WE HAVE YOUR WHOLE LIFE COVEREDLife Insurance, Long Term Disability, and More!
Insurance for the Important Stages of Life
Term life insurance, also known as pure life insurance, is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew for another term, or possibly convert some or all of the value to permanent insurance.
Permanent Insurance to Last Your “Whole Life”
Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate. These policies are also known as permanent or traditional life insurance.
Whole life insurance used to be the only option for permanent coverage. Then universal life came out but there were issues with policies blowing up because they were illustrated during a high interest rate environment in the 80s. Besides the fact that we are very conservative with our illustrations, indexed universal life can help cash growth by allowing upside growth during market rises while protecting the cash value during the down times!
It is only a matter of time before we all experience death or disability!
Disability insurance, especially long term disability insurance, is underutilized. For about 5-7% of your income you can protect your income stream against disability for over 60 years. If you make $150,000 gross and $125,000 after tax and used your hands as part of your practice, if you got carpal tunnel or some other medical issue in your hands or arms, there would be a money making problem. What if for $7500 a year or about $500 a month, you could protect that net salary for up to 63 years if something happened, would you consider it?