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Many people think they have just the right life insurance. Many say, I'm good when asked what they have and why. The reason is because they can't explain what they have, They just know they have some. This is a very bad situation. An old policy is probably not cost effective. A new policy may be the wrong product for your age or budget. How long will you have to pay preiums? What is the dividend arrangement. How much interest do you earn? All really serious questions. So, saying I'm good means, I really don't know what I have and why.
Join Teresa as she continues her interview of financial expert Van Mueller.
Many people never consider the importance of insurance in conserving and growing cash without exposing it to risk.
In this program, Teresa and Van talk about how specially-designed life insurance polcies can allow individuals more liquidity, flexibility, and control than could ever have with banks or on Wall Street.
Becoming your own source of financing is one way many Americans are avoiding the ups and downs of the stock market and managing their cash resources.
Are you one of the many Americans saying ... I don't need insurance; I have insurance on the job; I'm not leaving money for my spouse to spend with someone else; I'm gone what should I care. Studies show that out of people earning $50,000.00 to $250,000.00 a year 52 million Americans do not have life insurance. That does not include individuals below the $50,000.00 income range. (LIMRA). Join the conversation and listen in on Aaron's thoughts about life insurance. Is it a love or a need item.? For an initial complimentary consultation call our office at 1-877-351-2508. Follow us on twitter @Awsmith44. Our website www.awsmithfinancial.com.
TODAY, MONDAY, 11/3, I GET TO GIVE 250 G'S TO FRIENDS AND FAMILY!?! WILL YOU MAKE MY LIST !?! JOIN ME TONIGHT SO THAT MAYBE I'LL ADD YOU!. FOR SOME FUN AND MAYBE SOME BIG CASH - TUNE IN AT 7 PM TILL 8 PM, EASTERN TIME - CALL 646 716 4343 AND CHAT WITH THE WIZE GUY, VINNY DE VINGO AND THE LADY, LEE LEE.
Today we’re talking about tomorrow. The world as it is and as it’s going to be - the world of opportunity for those prepared – the change architects. Our guest is Michael Jans. He is the founder and CEO of Agency Revolution. He’s been defined in the industry press as an “Insurance Marketing Maven” and a “marketing genius.” Clients have described him as a “Millionaire Maker.” His history includes serving as the Executive VP for the Professional Insurance Agents in Oregon, Washington, Idaho, Montana, and Alaska - the fastest growing affiliate of the Certified Insurance Counselors' (CIC) program - for seven years.
Today’s guest is Paul Carroll, CEO and Editor in Chief of Insurance Thought Leadership.
Paul is the co-author of The New Killer Apps: How Large Companies Can Out-Innovate Start-Ups and Billion Dollar Lessons: What You Can Learn From the Most Inexcusable Business Failures of the Last 25 Years and the author of Big Blues: The Unmaking of IBM, a major best-seller published in 1993. Paul spent 17 years at the Wall Street Journal as an editor and reporter. The paper nominated him twice for Pulitzer Prizes. In 1996, he founded Context, a thought-leadership magazine on the strategic importance of information technology that was a finalist for the National Magazine Award for General Excellence. He is a co-founder of the Devil’s Advocate Group consulting firm.
In a report by a US Senate committe, the life insurance industry was called out for overpricing, misleading, and deceiving the public.
I know firsthand because I used to work for one of these companies and they're now out of business.
We'll look at the top three scams in this show and tell you what the right life insurance is...according to Suze Orman, Dave Ramsey, and every consumer expert.
Join us and get your free copy of the essential book, How Money Works: A Common Sense Guide to Financial Success. Listen in and well tell you how to get your copy. Click here for that information.
Louis Sheppard, says that It was a crazy-high number of weight that finally did it. Three-hundred and fifty pounds to be exact; that was what my body from head to toe weighed when stepping onto my home scale. It got me scared! It got me thinking. It got me doing. Scared! Think! Do! That was the action plan that would move me into a new lifestyle that I hoped would save my wife and kids from dealing with any medical issues that my obesity could weigh down on them; and it was for me too. My family looks to me for support and guidance on so many levels and now I was facing my own challenge: How would I tip the scales in the other direction I asked myself? I headed to a web site that was complete with information on diet and exercise (http://bodybuilding.com). My wife, God bless her! joined me on my new journey and lifestyle plan. Two weeks into our journey and our new way of living the life we were born to live, a close friend died of a sudden heart attack. He was 37 years old. I was deeply affected by his death. I thought of how I would be turning 40 soon and I realized that my weight was increasing of a similar way that my friends had increased. It caused me to get clear about what I wanted and How I wanted to live my life. The awareness of my friends plite, and my own struggle with obesity caused me to kick my eating plan into a higher gear. I followed Cuban-born Lee Labrada, who has a fitness and diet web site and decided to sign on to a 3-month diet and began working out. After that I started training with Jon Buettner over at Big Jon Fitness and I began to see my friend Denny Chang, who died, was hovering over my exercise equipment, cheering me on. Everyone called him Tis. I began to call that voice on my weights the Tis Effect. Visit The Tis Effect.
When it comes to life insurance, you have two basic choices: Some form of cash value life insurance (including universal life) and term life insurance.
Cash value, or whole life, as a “bundled” policy, requires you to buy both your death benefit and a cash value feature.
For the cash savings, the money is controlled by the insurance company and reverts to the life insurance company, not the estate of policy holder. It's in the contract. A little "s" is inserted between the CV in the contract = cash surrender value.
It's your money...and while you may borrow it--at up to 8% interest--why not claim it yourself. But never cancel any policy until you have a new one in place.
Let's get financially well:
Get your free copy of the essential book, How Money Works: A Common Sense Guide to Financial Success. You'll fall in love with this it and never have a major money question again. In clear language, it shows how to avoid insurance traps, tackle debt, grow your money, find out what a Roth IRA can do for your family, and much more. Go to bitly.com/yourmoneyny and sign up for your copy right now. bitly.com/yourmoneyny
See you next time.
The host of Lets Chat Radio has been a licensed insurance benefits counselor for 6 years working in the life and health insurance markets and today will discuss disablilty insurance. Get your pencil and paper ready !
Nearly one-third of U.S. workers will become disabled at some point in their career before reaching retirement, according to a 2009 estimate from the Social Security Administration. Yet the federal agency says that 70% of employees aren't covered by private long-term disability insurance. Social Security disability benefits are available for certain disabled workers, but the average payout is only 40% of a person's income and the allowance rate for initial claims can be as low as 30% in some areas of the U.S.
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Your most important asset is your ability to bring home a paycheck, DI makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this show is to provide you with information to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. More information contact me at firstname.lastname@example.org
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