Insurance for Life on Your Terms

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Life Insurance

Discover facts you may not know about generational wealth and poverty, how to create and protect wealth, premium costs, employer insurance, and then choose the best coverage for your needs.
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Funeral Expense

Generally offered in benefit amounts of $40,000 or less, FINAL or FUNERAL EXPENSE plans offer coverage for middle-aged to senior adults for burial, cremation, and other end-of-life expenses.
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Mortgage Protection

Primarily term insurance designed to provide a monthly income or a lump-sum payout to reduce the balance or to pay off entirely a home MORTGAGE.
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Indexed Universal Life

Flexible premium payments, flexible death benefit, cash value accumulation, and stock-market indexed growth potential are hallmarks of INDEXED UNIVERSAL LIFE.
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Term

Learn a strategy to using term effectively. All things being equal, TERM costs less because—unlike permanent policies—it is for a limited duration and does not build cash value.
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Retirement

Do you need life insurance in RETIREMENT? Will your pension, social security, 401(k), or IRA be sufficient? Do you have protections in place to manage reduced income? Will you leave your heirs a legacy or a loan?
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Child / Grandchild

Protect your minor CHILD and/or GRANDCHILD with a rider on your policy or their own juvenile policy. The reasons have less to do with premature death and more to do with their future guarantee of insurability and net worth.
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Small Business

Ensure that your SMALL BUSINESS remains a family asset with an effective buy-sell agreement funded with life insurance to buy out a business partner or perhaps to secure an equitable family inheritance transfer.
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FAQ's

Life Insurance Basics

In almost every case the answer is Yes. Insurance carriers know that everyone is going to die, so the question is not whether you’ll die like the rest of us, but when. In this case your death benefit may be reduced for a couple of years, until full benefits kick in. And some health issues aren’t as serious to the insurance carriers as you may think. Schedule a phone appointment to discuss your options.
Generally, a funeral expense policy is permanent life insurance offered in smaller death benefit amounts ranging from $1,000 to $30,000 for persons aged 40 or older. However, the proceeds from any life insurance policy can be used to pay for funeral expenses in the event of the death of the insured.

The fact is you can lose your job. You can become seriously ill and get laid off from your job. You may decide to leave your job to start your own business. Your job can go out of business. The amount of job insurance that you have may not be enough to cover your family’s needs. Having your own policy is simply smart, and the sooner you start, the less it costs, and you can choose a policy that builds wealth for you.

The fact is you are going to die and someone is going to bear the cost of your final expenses. Who is that person? GoFundMe® is not a funeral expense plan. . . it’s a plea for help. For your loved ones it can be embarrassing and humiliating to admit that you didn’t care enough to protect them. Unlike accidents or illness, death is not an unexpected event.

Additionally, there are life insurance policies that offer living benefits, which means you can access all or a portion of the death benefit for your own care in the event of terminal, chronic or critical illness.

Not one penny more than you can afford. A little bit of help to your family is better than no help at all. If you cannot afford to keep the policy in place, then you won’t and it will lapse. Buy what you can afford, even if it’s not all your family needs. It may allow them to bury you without going into debt. It may buy them time to stay in the home until it’s sold. It may pay off a loan, finance a college education, or repair a car. If doesn’t make financial sense to you, it won’t provide any “cents” to the family you leave behind. 

Focus on your short-term and long-term needs. Term will cost the least in the short-term, but it’s usually not a long-term play, despite 30-year policies. In 30 years, your cost for similar coverage may be unaffordable. Will you still need coverage in 30 years? Perhaps you’re thinking that you won’t need the same amount of coverage in 30 years. However, once you factor in inflation, a $100,000 policy purchased today will not have the same buying power in 30 years. A return-of-premium universal policy or permanent insurance may be better long-term options. Schedule a phone appointment to discuss your goals and options.

“The purpose of life insurance is to provide financial protection to your loved ones after your death. Certain types of life insurance can also function as an investment, because they build cash value and count as a financial asset while you’re alive. Combined with other investments, retirement, and estate planning, life insurance is a key part of a sound financial plan.”

State of Georgia: Office of Commissioner of Insurance and Safety Fire

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