An Obsolete life Insurance Policy, the kind you probably have, WILL ONLY PAY IF YOU DIE! Hopefully you will survive your critical, or chronic illness. But if you survive, how will you pay for the catastrophic hospital bills created by a critical, or chronic illness? What if it was a stroke, or severe heart attack? In that case, you may never be able to work again. What if it was Cancer?
A Total needs check-up can show you how much insurance is enough for your situation, and whether you have the new kind of life insurance that allows access to all, or a portion of your death benefits even if you don't die. Cash to pay for expenses incurred from a diagnosed chronic, or critical illness.
Even if you have good health insurance, the deductibles and co-insurance could be in the thousands for a critical or chronic illness. When you can't work, and the medical bills are still rolling in, your falling behind with your house note and your car payments and you still have at least 6 months before social security will kick in . . you may not even be able to afford to keep your obsolete life insurance inforce? Once lapsed, you may not be able to qualify for reinstatement, or a new policy due to health conditions. If you can qualify, it likely will be at a significantly higher premium.
By the way. . . Do You Know How much your social security would be if you became disabled and needed it now? You can find out by setting up a "My Social Security Account" online.
The maximum possible Social Security Disability monthly benefit as of 2019, is $2,861 a month.
Of course to receive the maximum, you would have had to earn the maximum taxable social security earnings for at least 35 years! For 2019, the maximum taxable earnings will be $132,900. That's earning $11,075 a month.
Finding out your income was going to drop from $11,075 a month to $2,861 a month just when you needed it most would be a real reality check!
Plan While You Can to supplement your disability and retirement benefits with a total needs
check-up. Your family financial future depends on it.
It is important that you don't pay for life insurance you don't need, and even more important that you own the amount of insurance you do need as well as the right type of life insurance to maximize your benefits and minimize your cost.
A Free Insurance and Financial Needs Analysis is available online without obligation and with no agent visit to your home or office. Each Free Needs Analysis is unique to your individual situation, it takes into account any individual, or group insurance benefits you may already have and outlines the basic insurance needs of Mortgage protection, Income replacement, Children's higher education, savings and retirement goals, as well as ways to save and leverage money you are already spending.
Take advantage of this free service while you're still in good health so that you can qualify to upgrade your coverage to the new "Living benefit life insurance". Living benefit life insurance provides free, extra financial protection for what otherwise could be a financially devastating Critical illness, Chronic illness, or Terminal illness.
Should you choose to upgrade your family insurance protection, a new application can be completed online and over the telephone at a conveniently pre-scheduled time with no agent visit.
Time Is Money. . . The earlier you put your plan to work for you . . . The Greater The Return on Your Investment.
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