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Our debt may not what you think it is. The total United States debt is $57 trillion. Our federal tax revenue is $2.2 trillion.

US Debt Clock

Why do you think the Federal Government wants to change the retirement age to 70, so by the time you collect it you are dead?

Never has there been a more urgent need to plan ahead!  Call me.

Leave a Legacy instead of Headaches and Tax Problems

Life Insurance^*

I can get you the best or lowest premiums with many applications being able to be completed over the phone! 

This is an electronic age.  If you do not wish to meet with a financial professional (aka Insurance Salesman) in your home, you do not have to.  If you know what you want or you just have a few questions and you would like an idea of what is available or what it will cost, either send me an email or give me a call.  I can get you the same type of quotations advertised by the huge agencies on TV.  I am not a "captive agent", so I am free to test the test market for the best coverage and best prices.

Why Life Insurance?

Life insurance is a tool to underwrite the economic consequences of a premature death.  At its core, it is financial protection for survivors.  With Term insurance, you rent that protection for a finite period of time.  As you age, the premium increases for the same amount of coverage or the premium remains the same and the coverage decreases.  Most term insurance ends at age 70. 

With the various forms of cash value insurance like whole life or universal life, there is both protection and a savings element to the policy.  Cash value insurance usually has a fixed premium which does not increase with age and the policy insures you for your entire life at the same "face amount".  It is often referred to as "permanent" insurance.  Cash values can either be guaranteed or variable depending upon the terms of the policy.  These cash values and interest earned are not usually subject to tax.

An additional feature of an index based universal life product is that your rate of return on your savings portion of the policy is linked to an index (like the S&P 500 which has averaged close to 10% for the last 25 years) subject to various caps.  Not only does do these policies pay you a higher rate of return than most other non-insurance saving vehicles, but they have a guarantee that you will never lose money even if the index goes down.  (Not all products and riders are available in all states, so please contact me for what is available in your state.)

In the short term, Term Insurance has the lowest premiums for the most amount of coverage.  In the long term, cash value insurance has several benefits which can make it the most cost effective choice.  It really depends on your particular circumstances and what you are trying to do.  In making the choice as to which type of policy is best for you, you should have a conversation with a qualified insurance agent. 

Key Benefits

• With your first premium payment you create a guaranteed estate.
• Life insurance proceeds pass to beneficiaries outside of probate and are not taxed as income.
• Contracts with Index linked returns, provide you with premium rates of return.
• Savings within an insurance contract protects your principal and interest earnings from loss.
• With certain types of policies, you can create a tax free retirement income as a living benefit.
• You can guarantee a lifetime income to loved ones long after you have departed.
• You can leverage your saving to leave a much larger legacy or endowment to a beneficiary of your choice.

*Insurance products including annuities and riders are state specific and may not be available in your state.  Please ask me about availability in your location.

Call Me Today

Underwriter*
Definition: (noun)
1. a. A person or firm engaged in an insurance business. b. an insurance agent who assesses the risk of enrolling an applicant for coverage or a policy.

*From "The American Heritage Dictionary", Houghton, Mifflin Company, Boston, MA.

Copyright © 2011 The Health Underwriter
Last modified: 05/11/12