"Sell your home for as little as 1%" with Susan's Value Service Plan! "Call Susan today to find out what your home is worth or to ask for help finding the home of your dreams!"
"Sell your home for as little as 1%" with Susan's Value Service Plan! "Call Susan today to find out what your home is worth or to ask for help finding the home of your dreams!"
Kasey Edwards has a lot to be thankful for... And he is ! The 18 year old Florida resident was attacked by an alligator this week and lost his left arm. His amazing interviews are all over the internet but if you look too fast, you could miss THE LESSON.
Here's a young man who has the great majority of his life yet to live and will be without the use of his 'original' left arm. He will have to get along with a prosthetic device of some kind, will never be able to wrap his 'arms' around the woman he loves or his children.
He has chosen to take a positive attitude. (let me write that again with a little emphasis)
He has chosen to take a positive attitude.
You know what? IT'S ALWAYS A CHOICE. Yes... ALWAYS!
My thanks to this remarkable young man who has reminded me that life has no guarantees. Reminded me that life WILL throw you curve balls, sliders and occasionally you'll just get WHACKED by a wild pitch. Reminded me that regerdless of the nature of the wild pitch (or series of WILD pitches) that it's up to me, and ME ALONE to decide how to respond.
I can whine, moan and complain (which I can be VERY GOOD at doing). Or I can simply take a moment to count my blessings, remember all that I DO HAVE, and then just GET AFTER IT using all the tools I have left.
I mean really... What do I REALLY have to complain about???
Brian Tracy wrote a great piece called 'Eat That Frog: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time'available FREE on GOOGLE BOOKS .
Here's how he puts it:
There’s an old saying that if the first thing you do each morning is to eat a live frog, you’ll have the satisfaction of knowing that it’s probably the worst thing you’ll do all day. Using “eat that frog” as a metaphor for tackling the most challenging task of your day- the one you are most likely to procrastinate on, but also probably the one that can have the greatest positive impact on your life. Eat That Frog shows you how to zero in on these critical tasks and organize your day. You’ll not only get more done faster, but get the right things done.
My "FROG" is making my calls to my List of Relationships. Other things just seem to get in the way and being basically an introvert of sorts, it's the one of the least favorite of my activities.
BUT ITS ALSO ONE OF THE MOST PRODUCTIVE! (I'll share my "solution" in my next post after we get a few good DISCUSSION DAYS on this question.)
My question for this esteemed group is.... What is your frog? How have you solved (or tried to solve) getting over that daily hurdle?
Post your "frog" in the comments and let's get some discussion going on how we can best
EAT THAT FROG!!!!
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE? (IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )
Well, the obvious answer is: WHEN I DIE!! Of course…
OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD. THE OLDER, THE BETTER! Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.
So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.
Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates. ----------------------------------------- FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.
FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.
FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!
Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.
Wouldn’t you like to have the option to keep it or not?
Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older. Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. ---------------------->
Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…
Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).
BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.
The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that…
If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.
$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer….
************************
Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.
************************
Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.
And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed
Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:
5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)
So here’s all you need to do…
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.
NO obligation, no pressure, just take a look then decide. Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.
I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.) 3. Do you use tobacco in any form?
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.
It just doesn’t get any better - OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Sincerely,
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE? (IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )
Well, the obvious answer is: WHEN I DIE!! Of course…
OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD. THE OLDER, THE BETTER! Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.
So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.
Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates. ----------------------------------------- FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.
FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.
FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!
Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.
Wouldn’t you like to have the option to keep it or not?
Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older. Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. ---------------------->
Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…
Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).
BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.
The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that…
If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.
$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer….
************************
Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.
************************
Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.
And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed
Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:
5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)
So here’s all you need to do…
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.
NO obligation, no pressure, just take a look then decide. Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.
I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.) 3. Do you use tobacco in any form?
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.
It just doesn’t get any better - OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Sincerely,
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE? (IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )
Well, the obvious answer is: WHEN I DIE!! Of course…
OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD. THE OLDER, THE BETTER! Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.
So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.
Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates. ----------------------------------------- FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.
FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.
FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!
Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.
Wouldn’t you like to have the option to keep it or not?
Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older. Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. ---------------------->
Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…
Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).
BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.
The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that…
If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.
$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer….
************************
Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.
************************
Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.
And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed
Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:
5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)
So here’s all you need to do…
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.
NO obligation, no pressure, just take a look then decide. Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.
I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.) 3. Do you use tobacco in any form?
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.
It just doesn’t get any better - OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Sincerely,
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE? (IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )
Well, the obvious answer is: WHEN I DIE!! Of course…
OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD. THE OLDER, THE BETTER! Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.
So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.
Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates. ----------------------------------------- FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.
FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.
FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!
Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.
Wouldn’t you like to have the option to keep it or not?
Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older. Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. ---------------------->
Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…
Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).
BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.
The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that…
If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.
$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer….
************************
Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.
************************
Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.
And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed
Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:
5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)
So here’s all you need to do…
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.
NO obligation, no pressure, just take a look then decide. Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.
I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.) 3. Do you use tobacco in any form?
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.
It just doesn’t get any better - OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Sincerely,
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.
To help us get started, please answer this question for yourself: WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE? (IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )
Well, the obvious answer is: WHEN I DIE!! Of course…
OK, when do you plan to die???? The next obvious answer (at least MY answer is) When I’m old. VERY OLD. THE OLDER, THE BETTER! Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.
So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.
Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates. ----------------------------------------- FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.
FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.
FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!
Could be a problem, don’t you think?
At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.
Wouldn’t you like to have the option to keep it or not?
Let me show you how you can have that choice then by making a simple decision today. Get a small permanent life insurance policy today that will give you options when you are older. Here’s what permanent insurance can do for you. 1. Provides you with insurance you can keep for the rest of your life. 2. NEVER increases in premium. 3. Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE. 4. Sometimes you can even have the policy PAY YOU a monthly income. (I’ll include a few more for you at the end of this section…. Look or this little guy again. ---------------------->
Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…
Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).
BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.
The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account. But here’s the problem with that…
If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.
$500,000 or permanent insurance would cost you at least $300-$400 per month. And here’s the answer….
************************
Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.
************************
Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.
And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed
Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:
5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums. 6. Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured. 7. You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)
So here’s all you need to do…
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.
NO obligation, no pressure, just take a look then decide. Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.
I just need to know three things: 1. Your age 2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.) 3. Do you use tobacco in any form?
I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.
It just doesn’t get any better - OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Sincerely,
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339 Email: Dennis@DennisVolzInsurance.com Websites: DennisVolzInsurance.com
This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
Answer these important questions BEFORE getting any quotes
Doesn't the landlord's insurance cover my stuff? (hint... NO)
How much coverage should I have?
What Limits are right for me? $30,000, $55,000
What deductibles should I have? $100, $250, $500?
What about insurance for my jewelry?
Is my stuff in storage covered?
What's MEDICAL PAYMENTS?
Why woud I need Liability Coverage as a Renter?
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Renters Insurance.
Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :
There you'll find all the answers to these questions and more.
Once you've decided how to best configure your coverage, then make a few calls. Ask some friends who their insurance company is and how do they like it. Ask if they've had any claim experience there. Be sure that when you call, get the same coverages for each quote. If they want to quote you some different limits and deductibles, that's great, but make sure you have the one configuration that you started with. That way it makes it easy for you to compare prices and companies.
Remember it's NOT just about the price. There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.
Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.
Feel free to call me if you have any questions.... GOOD LUCK!
It's a Good Life !
Dennis Volz Insurance Agency 10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978 OFFICE: (619) 670-1000 - FAX: (619) 670-1121
Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.
Dennis Volz~State Farm~Spring Valley/San Diego/El Cajon/Santee/Lakeside/Jamul
Spring Valley, CA
More about me…
State Farm Insurance- www.DennisVolzInsurance.com
Office Phone: (619) 670-1000
Cell Phone: (619) 339-1339
Email Me
I'm always looking for high-quality, active Real Estate and Loan Agents/Brokers, with whom to network and generate leads for one another. I endeavor to generate 2-4 additional PAID transactions for you each year! Call ME! :)
,
;)
Links;)
Tags (Tag Cloud);)
Archives
Brian Tracy
WHAT KIND OF INSURANCE IS BEST FOR ME?
FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.
iums.
