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Updated: April 12, 2024 at 9:40 am
If you don’t have a social security number, you probably think you can’t get life insurance.
Unfortunately, many carriers and agents say you need to have a social security number to qualify.
However, you can obtain life insurance if you don’t have a social security number.
It’s true.
Updated: April 12, 2024 at 9:40 am
Have you thought about using your life insurance policy as a retirement plan?
Everywhere you read and hear, advisors say you need to use life insurance to save for retirement.
Other’s say, “No way!” Or, as I like to say, “swipe right”.
Who do you listen to?
Continue reading Life Insurance As A Retirement Plan | Yes, It Can Work, But Know The Details
Updated: April 12, 2024 at 9:40 am
If you’re self-employed, do you think about your insurance needs?
Probably not…
There are so many other things to think about as a self-employed professional.
Let me ask you a question: What does self-employment mean to you?
Ultimately it means your income depends on your hard work. Your income could be variable and fluctuating. If your family relies on this income, it is ever the more reason to make sure you have the right insurance protection in case the unexpected were to happen.
What insurances do you need? In this article, we discuss several types of insurances for your self-employed needs. Continue reading 5 Types of Insurance Every Self-Employed Professional Needs
Updated: April 12, 2024 at 9:40 am
You met with an insurance agent about term life insurance. After a discussion about the benefits of term insurance, the agent says to you:
“Did you know only 3% of term policies* actually pay out?”
“No”, you respond. “Why is that?” A good question.
“Because many people survive the term. That is why term life is so inexpensive. Chances are, you will survive the term and spend money as though you were throwing money down the toilet**.”
You don’t like the sound of that. The agent sees your discomfort and asks, “Would you like to learn a type of life insurance policy that will return your premiums back to you at the end of the term?”
“Yes!”, you exclaim.
Our response if we were with you: hold up. Stop. You need to understand the pros and cons of return of premium life insurance before you go any further.
After reading this article, you may want to simply put your money in that boring term life policy. Continue reading Understanding Return of Premium Life Insurance Pros and Cons
Updated: April 12, 2024 at 9:40 am
Insurance for stay-at-home moms and parents?
Ha, you think!
But, you should know if you are a stay-at-home parent, you know your household can not function without you.
A large misconception for stay-at-home moms and parents is that, because they essentially earn $0, they have no worth. Nothing can be further from the truth.
In fact, many reputable industry sources illustrate that a stay-at-home parent “earns” anywhere from $100,000 to $160,000 annually from all of the things they do to keep the household functioning. One website, for instance, states that a stay-at-home mom is worth over $1780,000 in 2021. No different than the household breadwinner, stay-home-moms and parents need to protect their worth in case of the unexpected.
Yes, stay-at-home moms and parents need insurance protection, too.
Let’s talk about these insurances next.
Continue reading Here Are The Insurances Stay-At-Home Moms And Parents Need [Very Affordable]