DREAMS WITHOUT A PLAN ARE ONLY DREAMS

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GET A FREE INSURANCE NEEDS CHECK-UP

Time Is Money. . .  The earlier you put your plan to work for you . . .          The Greater The Return on Your Investment.

LEARN HOW TO INSURE YOUR DREAMS WITH LIFE INSURANCE.

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.

WHAT IF YOU SURVIVE A CRITICAL ILLNESS? WHO PAYS THEN?

An Obsolete life Insurance Policy, the kind you probably have, WILL ONLY PAY IF YOU DIE!  Hopefully you will survive your critical illness.  But if you survive, how will you pay for the catastrophic hospital bills created by a critical illness?  What if it was a stroke, or severe heart attack? In that case, you may never be able to work again.

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 . .    how long will you be able to even keep that obsolete life insurance inforce?   

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 for this year 2019, or upon reaching full retirement age 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. . .     Your financial future depends on it. 

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