Wednesday, March 29, 2017

Life Ins is for those who you love....


I am writing you this because:
  1. You are my friend and,
  2. I will never forgive myself if something were to happen to you and I didn’t educate you about the importance of life insurance.
I have worked in this industry for 25 years now and I strive to help people see the importance of life insurance. Working in the life insurance industry, every day I talk to people about how important it is to protect the ones we care about. If you wanted to give me advice on your expertise, I would listen because you work in it and you know what you are talking about. I know what I am talking about, so please read this.
I believe in life insurance for the protection it provides and because it can help you set a solid foundation for your financial future.
I know you aren’t passionate about life insurance. I know you have other things you want to buy. But regardless of what life insurance you have at work, it’s important to have your own policy. Your work benefits may be great, but with the amount of job changing our generation does, and the fact that you specifically never stay in one place long, it is important to have your own life insurance coverage outside of work. That way you can take it with you, wherever you go.
Your good health is an assetAll too often I talk to people who call in at 70 with health issues and want life insurance for a low price but they waited too long. Life insurance isn’t bought only with money, it is also bought with health. We will never be healthier than we are now. If you put it off until you’re older, the cost of insurance can become very expensive.
I have a term life insurance policy for a million dollars of coverage. It costs $21.56 a month. That is barely two drinks a month in San Diegoam I right?
Plan for the unexpected—Yes, it’s easier and more affordable to get life insurance when you are young and healthy. But there are also benefits to having it in place in the event you get ill. With life insurance that has living benefits you could accelerate your policy to help pay for medical treatments, bills or other expenses.
But that’s a worst case scenario, and hopefully you’ll stay healthy and you won’t need to pay for medical treatments. If that’s the case you still will have your life insurance coverage and you bought it at an affordable rate.
It’s all about flexibility—Life changes fast. You may want to get married and have kids in the future. If you get a term life insurance policy now, at your current health status, you can convert it to a permanent insurance policy at your current healthy status down the road.
Also, with a permanent life insurance policy there is cash value that grows over time. The better you fund the policy, the more options you have to use that cash value down the road.  For example, at retirement you could access the cash value through loans and withdrawals to supplement your income. Or, you might access it earlier to pay off a house, use it as an emergency fund, whatever you want.  Plus you have the living benefits in case you get sick.  You are buying flexibility. You pay your renter’s insurance, you pay your rent. Why not pay for life insurance. It is an asset. It is important.
Life insurance can be the foundation for your financial future.
I am writing this to try to protect my best friend. If after reading this you still don’t think taking the time to get your blood drawn and to pee in a cup is worth this protection, then let’s talk. 
Life insurance is not a gamble.  This is something you should have for the rest of your life to protect the ones you love.
I’m taking the time to write this simply because I love you.

Friday, March 17, 2017

When life throws you a curve ball.....

Medical bills, lost income, and the cost of ongoing care due to critical and chronic illnesses are the cause of 62% of bankruptcies each year. Of those bankrupted patients, 75% were covered by health insurance, and it wasn’t enough to protect them from financial ruin.

Cover your bases with a life insurance policy that allows you to have access to your death benefit while you are still alive. Traditional life insurance policies just pay out at death. But what good does that do you if you’ve just survived a heart attack, stroke, or cancer diagnosis? With “Living Benefits”, you can get money in your hands when you need it most. If you find yourself in a pinch following a terminal, chronic or critical illness, your policy will be there to provide relief. It’s life insurance you don’t have to die to use.

Monday, March 6, 2017

Just married, new baby, new home?

Life Changes!

When it does, it's time to make sure your family and assets 
are properly protected.

Most people purchase life insurance coverage to provide a legacy of financial security to their loved ones in the case of their death. But doesn’t it make sense for the benefits to extend & be available to you if you need them while you’re still living?

              Introducing the new kind of life insurance:
              life insurance you don't have to die to use.

60% of the bankruptcies in the U.S. every year occur because    
        of medical expenses resulting from a major illness.

80% of those bankrupted patients had health insurance, and it  
        didn't save them from going broke.

Watch the video to learn more about how Living Benefits life insurance works – and then take action to protect yourself and your finances!

Thursday, March 2, 2017

Happy Dr Seuss Day!!

Happy birthday Dr Seuss!!  I used to love his books when I was a kid.  I moved to San Diego 30 years ago for college and at the time had no idea that he lived here in La Jolla, awesome!!  I would have loved the opportunity to meet him.  You can find more info about him on Wikipedia https://en.wikipedia.org/wiki/Dr._Seuss  I read many books for business and have a lot to recommend, The Slight Edge, anything by Jean Chatzky and Patrick Kelly.  You can find the books I recommend at www.kswz.biz
I also enjoy reading cookbooks and any books written by chefs!

This is why I am so passionate about what I do each day