Hayden at got insurance?

TERM LIFE INSURANCE UNDERSTOOD… - Roger Kelly   An important part of a sound financial plan, life insurance provides a death benefit To your beneficiaries and can replace some of the income you were earning. This can help preserve any investments, savings. Or other assets.   Term Life Insurance…   Term life insurance is a policy that provides coverage to the insured over a certain Length of time. This makes this policy an asset to your overall financial plan. Level term polices now can remain level for 10, 15, 20 or 30 years!    Reasons for buying term life…   Permanent insurance (Whole Life) is far more expensive than term life insurance. If you have young children at home it may be a good decision to buy term to  Create an estate. If you bought a home with a 30 year mortgage for $500,000 that might be another  Deciding factor. If this is the case you might purchase a level term policy for $500,000 30 year  Term to pay off the mortgage. If the insur

Without life insurance, your loved ones might be left in the lurch financially If you were to pass away unexpectedly.   But despite the importance of having life insurance, many Americans go Without it, and for reasons that really read more like excuses.   Here are the top reasons Americans don't have life insurance, according To a survey by Ladder and One Poll… and why they just don't hold water.   A life insurance policy isn't the most fun thing to spend your money on, But it's perhaps the most worthwhile investment you can make.   If you're without life insurance, stop what you're doing and carve out some Time to explore your options.   Your loved ones are depending on it. 1. It's too expensive For 52% of Americans, the decision not to buy life insurance boils Down to money.   Meanwhile, in the aforementioned survey, the typical American Spends nearly $1,500 a month on non-essentials like restaurant meals And ente

  One surprising survey reveals that life insurance may be more affordable than many people realize . Without life insurance, your family must find enough money to pay for surging burial costs, any debts, mortgages, and car loans left behind by the deceased family  member. At one point, life insurance was expensive and was a slow paperwork process. Because all families and couples truly need life insurance, it's no wonder Plum Life is being used by many.  We’ve been able to streamline the process and save consumers money. Of the families who have no life insurance coverage, 62% say they would be in immediate financial trouble if a primary wage earner died, but most of those fear it's just too expensive.  Research shows that people overestimate its cost by as much as 300%. If you're under 50 years old and don't smoke, you may qualify for some very attractive rates. And, get $100,000 to $1 million in term life coverage. See why term life plans are popular

Life insurance is time. The time a man might not have. If he needs time, Then he needs life insurance. - Ben Feldman   Life insurance is really Nothing but money. You don’t need more Life insurance, But you do need More money. - Ben Feldman   The insurance you do not Own will never assure Your success. - Ben Feldman   Great News From Plum Life Instant Term & Instant Term with Return of Premium is Now Available!   What is Instant Term?   No waiting… Learn immediately if you qualify for coverage! (18 to 60)   Coverage options from $100,000 to $1M  Term options: 10, 15, 20 or 30 years  Credit Card and Bank Draft Accepted Return of Premium Option Available Ability to convert to a whole life or UL plan No medical exams   Contact Me Today!   Hayden Childs Alabama Licensed Agent (205) 269-1382 www.haydenchilds.net   “The grief is bad enough, Don’t leave the burden To your family!”   Need Ter

  The answer depends in part on your risk tolerance and tax situation.   A return of premium rider provides for a refund of the premiums paid On a term life insurance policy if the policyholder doesn't die during the Stated term. This effectively reduces the policyholder's net cost to zero. A policy with a return of premium provision is also referred to as return Of premium life insurance.   Key Takeaways A return of premium rider allows term life insurance policyholders to Recover the premiums they've paid over the life of their policy if they don't Die while the policy is in effect. Policies with this provision are also referred To as return of premium life insurance.   Adding a return of premium rider to a term insurance policy may boost its Cost substantially. Whether a return of premium rider makes financial sense Depends on the likelihood that the policyholder will invest the money Elsewhere at a higher return.   How Term Life

  Great News From Plum Life Instant Term & Instant Term with Return of Premium is Now Available!   What is Instant Term?   No waiting…  learn immediately if you qualify for coverage! (18 to 60)   Coverage options from $100,000 to $1M  Term options: 10, 15, 20 or 30 years  Credit Card and Bank Draft Accepted Return of Premium Option Available Ability to convert to a whole life or UL plan No medical exams   Contact Me Today!   Hayden Childs Alabama Licensed Agent (205) 269-1382 www.haydenchilds.net   “The grief is bad enough, Don’t leave the burden To your family!”   Need Term Life Insurance? https://www.helloplum.com/agent/childs-806   Plum Life, Inc, 400 Connell Dr, Suite 1300 , Berkeley Heights , New Jersey 07922   We currently offer products from The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn , MA . 01801      

The decision to buy life insurance is personal. So many of the insurance calculations depend on your circumstances, Financial situation and future plans.   Even individuals who don’t currently have dependents, a business, Or significant debt may want to look into getting life insurance. That’s because the cost will go up as you age, which means that right Now is likely the cheapest time for you to buy a policy.    Even the best planners can’t predict the financial fallout of your demise. Carrying some life insurance can provide a layer of financial protection For your beneficiaries.   Thinking through the potential financial issues that could arise after your Death can help you answer the big questions: when, and how much Life insurance you should buy, if any.   - Emily Guy Birken   https://www.thebalance.com/who-needs-life-insurance-2645793#toc-why-buy-life-insurance     Hayden Childs Alabama Licensed Agent (205) 269-1382 www.haydench

On top of the most common reasons for buying life insurance, It can help cover some less common needs.   These could include…   *Insuring Children Buying a policy on a child can ensure that the family will financially Survive the loss of the child, but keep in mind that such a loss is Fairly unlikely. It can also ensure the child’s ability to qualify for life Insurance in the future. That could be helpful in the case of a health Diagnosis that might make it harder to pass the underwriting process.   *Replacing Retirement Benefits Life insurance is often marketed as income replacement for an Insured person during their working years, but some retirees may Choose to keep theirs after leaving work. It can be used to replace The loss of any retirement income for their spouse or any dependents.    *Investment Permanent life insurance can provide you with a potential income Source. You can access your cash value once it has built up to a Certain leve