081822 The Two Truths Every Family Must Know About Life Insurance...

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…

You choose to be covered for a number of years (10, 15, 20 or 30).

If you pass during this time period, your family will be paid and financially secure.

Here's what many use their coverage for…

The average cost to raise a child is $245,000 and home price is $188,900.

If you have children and a mortgage, it recommended having $500,000

in term coverage.

Also, it may be used to pay for a funeral or a cremation.

The average traditional funeral costs $8,000 - $10,000.

It’s not a surprise getting covered is very important.

There are many life insurers… But here's how to get a great low rate

Now, Plum Life has streamlined a 100% online process with instant decision and

shows your rate online. With your smart phone, tablet or laptop/desktop computer

you can complete the application yourself or I can assist you in the process…

It’s your choice.

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

Our website is accessed by many weekly, consumers are using this

user-friendly platform and finding what they're looking for…

low cost coverage underwritten by a company (S.B.L.I.) that has been in

business over 100 years!

Simply click the link below to get a surprising affordable rate.

https://www.helloplum.com/agent/childs-806

Contact Me Today!

Hayden Childs

Alabama Licensed Agent

(205) 269-1382

“The grief is bad enough,

Don’t leave the burden

To your family!”

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

Comments

022823 The 9 Benefits of Whole Life Insurance...

(1) Provide for Loved Ones… It’s the basic need everyone thinks about. You have a young family. You are the major breadwinner. Something happens to you. How is Your family supposed to make ends meet? It’s a form of protection. Peace of mind. (2) Key Man Insurance… You and your partner own a business. It’s grown. Many employees Depend on you. If something happens to your partner, it’s likely their Spouse or family will inherit their share of the business. Cash would Be a lot more useful to them. Life insurance on both partners can Provide the cash to buy out heirs and keep the business intact. (3) Emergency Loans… Hopefully your client lives a long life. The whole life policy accumulates Cash value, eventually growing to the full face value, or beyond. Many Policies allow you to borrow money against the cash value. You would pay interest. (4) Funding Estate Taxes… Your client owns a farm. I...

090921 Those Dying From Covid-19 Are Least Likely to Own Life Insurance...

Many companies have sharply reduced estimates of their exposure, as measured by payouts per 100,000 U.S. fatalities As the number of U.S. corona virus deaths surpasses 200,000, public-health experts point to a series of missteps and miscalculations in the country's response. Here’s a look back at how the U.S. became the center of the global pandemic. Sept. 28, 2020 5:30 am ET U.S. life insurers are paying out far fewer Covid-19 death claims than initially expected, largely because the virus is disproportionately killing people with little to no insurance. In the past few weeks, many life-insurance companies have sharply reduced estimates of their exposure, as measured by payouts per 100,000 U.S. Covid-19 fatalities. Estimates have come down by an average of 40% to 50%, according to Credit Suisse stock analyst Andrew Kligerman. Driving the rapid reduction in exposure are two groups… older Americans and minoriti...

080822 Less Common Life Insurance Needs

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 buil...

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