How Much Life Insurance Do You Need?

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We have all struggled with this one important question: How much life insurance should you buy? I can help you answer that question in 2 easy steps.

1. Cash Now

If you passed away, your family would need an instant infusion of cash to pay for any last medical expenses and a funeral. But how much will that be?

The average cost of a traditional funeral is between $7,000 and $10,000. That’s not counting any doctor or hospital bills your spouse may be left with after you’re gone. If you’re in doubt, leaving $10,000 to $15,000 to handle these expenses is a good place to start.

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Types of Insurance Policies

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You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It’s really not as confusing as it seems, however, once you understand the basic types of life insurance policies. Continue reading “Types of Insurance Policies”

An Easy Way To Leave a Financial Legacy

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I have been a pastor for more than 25 years. I understand the pressures and stress of financing a church ministry or any other non-profit organization. Churches and pastors completely depend on the tithe and offering of those we serve in our congregations.

FINANCIAL LEGACY

What if there was a simple way to overcome some of these financial pressures and educate our parishioners about an easy way to leave a financial legacy – a legacy that blesses our church ministry for years after we are in Heaven?

Well, there is! It’s called Charitable Giving through Life Insurance! Continue reading “An Easy Way To Leave a Financial Legacy”

Using My Trials as Stepping Stones

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Meet Kiara…..

Most of my childhood consisted of hospital waiting rooms, bad cafeteria food and doctors’ names I couldn’t pronounce. I became inevitably involved with my father’s illness at age 9. I gave shots and dosed medicine. Not the definition of a “daddy’s little girl” others would expect, but that was my childhood.

My father’s illness took his life when I was 11, leaving behind his wife and five children. Soon after, we woke up to the bitter realization of our deteriorating financial situation. The burden that was placed on my mother’s shoulders is one that nobody should have to carry alone. If my dad had had life insurance, it would have taken away the constant financial worry.

I’m now the only child in my family to have graduated from high school. And although the financial struggle to go to college continue, and I will use my trials as stepping stones and my education will be the foundation on which I build my life.

I wish I could say it better, but I can’t form a sentence that expresses how much my family would have benefited from life insurance. Although setbacks have struck me when I am down, I’ve found that true failure lies when I stop trying. I refused to give up then, and I refuse to give up now.

CONTACT ME TODAY TO RUN A FREE LIFE INSURANCE QUOTE!

 

Have You Protected What Matter Most?

WHY DO I NEED LIFE INSURANCE?

If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life insurance benefits.

Most Americans need life insurance. To figure out if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially? CLICK FOR INSTANT QUOTE!

Would they have the money to pay for your final expenses (e.g., funeral costs, medical bills, taxes, debts, lawyers’ fees, etc.?) Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? What about long-range financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably?

The truth is, it’s always a struggle when you lose someone you love. But your emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself. CLICK FOR INSTANT QUOTE!

To help you understand how life insurance might apply to your particular situation, I’ve outlined a number of different scenarios. So whether you’re young or old, married or single, have children or don’t, take a moment to consider how life insurance might fit into your financial plans. Click here to review your scenario.

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