Life Insurance “Your Valuable Silent Partner”

Life Insurance

I’m “Your Valuable Silent Partner”

You and I have similar purposes in this world.  You provide food, clothing, shelter, schooling, as well as many other important necessities throughout life for your loved ones.  You do this while I watch over you in your safe deposit box.  I have lots of faith and trust in you as your partner.

Out of income or assets comes the cost of my upkeep, commonly referred to as a premium.  I will start working for you and guarantee your objectives immediately upon payment of the first premium.  I may appear insignificant to you – but someday, and I hope our partnership is for a very long time in your future.  You and I will change places when the end of life occurs and assuming I’m in-force.  I will come alive and carry on for you.  I will continue to provide everything you are providing – just as you are doing now.  I will buy your loved ones or business concerns valuable time and will be ready to financially protect your investments, assets or business against a forced sale or liquidation.  My life insurance dollars will never replace you.  However, I will always create financial security and certainty against financial uncertainty.

“Your Valuable Silent Partner”

YVSP

Your Valuable Silent Partner For How Long?

As Your Valuable Silent Partner, we can create a partnership for Personal, Business or Estate Planning Life Insurance Needs.

I can be with you for…

(1)  A period of time, think term life insurance 10, 15, 20, 25 or 30 or even 40  years, which is a temporary partnership.

OR

(2)  An entire lifetime with permanent life insurance creating a lifelong partnership to age 90, 100 or beyond.

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Why Is Life Insurance In An Asset Class All By Itself?

Why the $1,000,000 bill?  The one above represents either your dollars or life insurance dollars.  Your money symbolizes earned and taxed income as well as invested and saved dollars that become your assets as you plan for your future in the early years and later years.

Holding diversified assets, as shown (in the chart) below, has always been seen as a smart investment strategy, even though those assets may go up, down or sideways in value.  Here are some reasons why life insurance provides a valuable addition to your financial portfolio.

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Your Assets

Stocks
Bonds
Retirement Plans
Other Investments
Real Estate
Business

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ADD LIFE INSURANCE DOLLARS TO YOUR ASSETS AND FINANCIAL PORTFOLIO

A life insurance policy paid by an insurance company at death creates and provides important financial diversification for your loved ones or business concerns.  Why?

Life insurance leverages the only 100 percent certainty we all face – and that is our own demise.  YIKES!  When you purchase life insurance, it is not only to protect your loved ones during your working and early years.  It also allows you to spend more of your accumulated assets during your later years.

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Consider if you have $1 million of life insurance in-force during your later years and it remains in-force until you die, you can spend an extra $1 million of your assets because when you die, the death benefit will come walking in the front door and replaces $1 million dollars tax-free.  So life insurance can actually be used to replace spent or lost assets, which allows you to enjoy and spend more of your money over your entire lifetime.

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An important point!  Life insurance does not compete with your other assets or investments.  It adds to them and protects them.

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REQUIRES

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It provides peace of mind, financial security and is the most economical way of providing guaranteed cash when death has made everything else uncertain.

You can’t purchase life insurance when you need it.  This is why proper life insurance planning ALWAYS has to occur in advance of the need.  Have you ever seen anyone purchase fire insurance when the house is on fire?  However, insuring your life and a house are different risks.  Most homes never burn, so the risk remains relatively constant.  But death is 100% certain with the risk greater as you age and the cost increases each year that passes.  Plus health issues may arise making it more difficult to qualify in the future.

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LIFE INSURANCE OFFERS PREMIUM LEVERAGE WITH DISCOUNTED DOLLARS

money leverage

Life insurance dollars cost pennies, nickels, dimes or quarters per discounted dollar and come with tax advantages.  Premiums can be guaranteed for a period-of-time or a lifetime.    

Life insurance premiums are an expense; however, these discounted dollars provide predictable and guaranteed cash to your designated beneficiaries.  The amount paid by an insurance company at death will ALWAYS be greater than what was paid into the policy.  This is what can be referred to as “premium leverage.”

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What “Your Valuable Silent Partner” Can Do
For You During Your Early Earning Years?

I WILL BUY TIME…

I WILL PAY FOR…

I WILL PROVIDE…

I WILL PAY OFF…

I WILL REPLACE…

I WILL CREATE CASH…

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PLAIN AND SIMPLE!

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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!

Senior Adult Planning Retirement Investment Insurance

What “Your Valuable Silent Partner” Can Do For You During Retirement or Your Later Years?

I WILL BUY TIME…

I WILL PAY FOR…

I WILL PAY OFF…

I WILL PROVIDE…

I WILL CREATE CASH…

I WILL REPLACE…

I WILL CREATE WEALTH…

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To sum up, in going forward and planning for the future, you want to understand that you are leaving behind an old set of financial challenges and will be facing new ones.   Remember there is nothing permanent except change and life doesn’t always follow your game plan.  Each of the advantages below demonstrates how life insurance can be used to create a more secure financial future for your loved ones or business interests.

One thing that we can agree on today – Republicans, Democrats, and the generally disgusted – is that the economic future of this country for your spouse, children and grandchildren is much less certain than it was for us growing up.

I believe the leverage of life insurance when fully understood is more important in later years than ever before.

WHY?  Money will never replace you but what will replace your financial obligations.  Money!  You can use your dollars or mine.  Mine cost less and can still be purchased at a discount.

I will always add to your assets – letting you enjoy and spend more of your money over an entire lifetime or replace spent, reduced or lost assets while creating certainty for loved ones in a world that will always be somewhat uncertain and subject to change in the future.

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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.

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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.

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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!

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Marc Maretsky Personal Insurance Services based in Beverly Hills, serves all of California and the United States.  I help my clients acquire life, disability, long-term care, and critical illness insured solutions, as well as enroll them into Medicare when eligible.

“No matter how fast technology changes our world and everything around us.  I believe the personal touch and a human voice are more important than ever.”

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