I will create money for many different situations and scenarios as you will see below.  Many times I am purchased for one reason and used later in life for other reasons.  I’m quite flexible.  This is why life insurance is so important and puts you in control of your financial future.

LIFE INSURANCE = $$$ = YOUR VALUABLE SILENT PARTNER!

$$$ — I am the greatest love letter you will ever write to your loved ones.

$$$ — I will buy time and create money income tax-free to accomplish all your plans, dreams, goals, hopes and wishes for your loved ones.

$$$ — I will provide your loved ones time to grieve and emotionally heal while allowing them to continue in their own world.  I will also create time for them to make important decisions about their financial future without concerns about money and without having to force a liquidation or sale of any assets, investments or retirement plans.

$$$ — I will maintain the standard of living and lifestyle you have created for your loved ones.

$$$ — I will replace lost income for a number of years.

$$$ — I can provide flexibility by giving a surviving spouse the chance to take time off from work or to switch to a job that offers a more flexible work schedule to spend time with your children.  

$$$ — I will continue making mortgage payments or pay off your home.    

$$$ — I will maintain a lifestyle, pay debts, last expenses or funeral costs.  

$$$ — I will create money for your children’s college education.  

$$$ — I can replace investment losses from the stock market or decreases in a home or other real estate values.  

$$$ — I will pay or recover any income taxes on your retirement plans.                              

$$$ — I will pay off your outstanding college loans.    

$$$ — I can provide ideal collateral against personal or business loans

$$$ — I can create opportunities to fund or start a new business or allow training for a new career.

$$$ — I can provide emergency funds or supplement retirement income with cash values.    

$$$ — I am provided by law protection from creditors.

$$$ — I will leave your loved ones with the legacy of long-term financial security.

I solve, as you can see, an awful lot of problems that no other financial vehicle can do as well.  I will also deliver peace-of-mind and financial freedom like no other product available, and I will simply be worth the most when needed the most.    

No amount of money will ever replace you.  But more than anything, your life insurance will help your loved ones buy time and financially protect them against the uncertainties of life going forward.  

I will always be “Your Valuable Silent Partner” if I’m in-force at the end of life.  

Think of all the possibilities I can solve for you!

LIFE INSURANCE = $$$ = YOUR VALUABLE SILENT PARTNER!

$$$ — I will still be the most important love letter you’ll ever write and have greater significance now because life expectancy is shorter.  Learn more in “What Is Your Life Expectancy?  You’re Likely To Live Longer.”

$$$ — I will provide your loved ones time to grieve and emotionally heal while allowing them to continue in their own world.

$$$ — I will buy time for loved ones to make appropriate financial decisions without concerns about money.

$$$ — I create guaranteed cash paid income and, possibly, estate tax-free allowing loved one’s time to decide when it is beneficial to sell an asset rather than being forced to sell an asset at the wrong time.            

Most people die asset rich and cash poor, which is good planning as long as you have enough life insurance in-force when you die because if there’s cash there’s never a problem.   

The next time you see an estate sale sign? It should tell you clearly there wasn’t enough liquid cash left in the estate.  I often wonder how many times the deceased had an opportunity to purchase life insurance throughout their lifetime.

$$$ — I can create financial security on each spouse to maintain your lifestyle and insure a more secure future for both of you going forward.  

$$$ — I will pay debts, last expenses, and funeral costs.   

$$$ — I will protect loved ones from having to sell real estate holdings or a business, which may be at the wrong time.    

$$$ — I will provide an infusion of cash for real estate purposes or allow for the successful transfer or continuation of a business and protect against financial losses, liabilities or instability caused by your passing.    

$$$ — I can correct financial mistakes, replace investment losses from the stock market or downturns in real estate values.    

Investment portfolios go up, down and sideways.  People feel rich, poor, sad, frustrated, angry and ecstatic because the value of their investments will change.  

$$$ — I am the great equalizer for the next generation.  I can make sure each child or beneficiary receives equal value from the estate, even if the assets they receive are different.   

I can be used to give a business to one of your children while giving the value of the business through life insurance to your other children uninterested in running the company.  

$$$ — I am the great equalizer between a second marriage spouse and children from a first marriage.  

$$$ — I can take care of an ex-spouse.  

$$$ — I will pay or recover any income or estate taxes on your retirement plans.  

$$$ — I will continue making mortgage payments or paying off one or more residences.

$$$ — I can help your children start out ahead with a tax-free gift to purchase a home, start a business or create money for future investments.      

$$$ — I can create funds for gifts to charities, colleges, social issues, nonprofit or religious organizations, as a result allowing you to have a valuable long-term impact on important causes to you.  

$$$ — I will replace money spent on anyone self-insuring long-term care costs.

Let’s assume you need long-term care and spent $250,000 to $500,000 and had a $1,000,000 life insurance policy in-force at death.  $250,000 to $500,000 of spent long-term care costs are replaced with the proceeds of your life insurance with the remainder paid to your spouse or children.  Note:  long-term care costs can be even higher than $500,000.  

$$$ — I will pay estate taxes or settlement costs avoiding the forced liquidation of other valuable investments or assets.    

$$$ — I am provided by law protection from creditors.  

$$$ — I can balance out the complexities of your assets in your estate while providing a clearer picture of how to best organize and distribute them for future delivery to loved ones.