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Understand and handle money the way the rich do.
Change the behaviors that are keeping you from
being rich.
Learn how to find and evaluate highly-profitable
investment opportunities.
Maximize your personal strengths to achieve financial
independence.
Discover the types of income and asset classes that
build wealth.
WWW.KNOWLEDGEFINANCIAL.COM
Thoughts drive behavior. Before you start down the
path to financial freedom, you must first understand
how the rich think about money and how it differs
from the poor and middle-class way of thinking.
Regardless of how much money you make, you will
end up right back where you started if you don’t
change your thoughts about money. Don’t let old
habits get the best of you and your finances.
Change the behaviors that are keeping you from
being rich.
Learn how to find and evaluate highly-profitable
investment opportunities.
Maximize your personal strengths to achieve financial
independence.
Discover the types of income and asset classes that
build wealth.
WWW.KNOWLEDGEFINANCIAL.COM
Thoughts drive behavior. Before you start down the
path to financial freedom, you must first understand
how the rich think about money and how it differs
from the poor and middle-class way of thinking.
Regardless of how much money you make, you will
end up right back where you started if you don’t
change your thoughts about money. Don’t let old
habits get the best of you and your finances.
The Five Best Things About Life Insurance
BY ANTONY JEANTY --- FOR; WWW.KNOWLEDGEFINANCIAL.COM
People may understand the basic principle of life insurance, but they
may often overlook just how wide-ranging the benefits can be.
Whether your goal is just to get started with a cheap life insurance
policy, or to protect your family as well as you can, you should find
there can be several ways to benefit from having life insurance. The
following are five of the best things about life insurance.
1-It is cost-effective risk protection. Managing risk is all
about understanding probability--or to put it more simply, playing the
odds. The odds are you aren't going to die anytime soon. So why
should you buy life insurance?
The very fact that there is a low probability of something happening to
you is what can make insurance premiums so inexpensive relative to
the benefits they can pay out. This means you can protect your family
in an affordable way, especially if you shop diligently for discount
insurance.
CALL A FLORIDA LICENSED INSURANCE
AGENT AT: 786-709-577 -- IF YOU ARE IN
MIAMI DADE, BROWARD COUNTY AREAS.
2-It shows you care. Sometimes, actions really do
speak louder than words. Buying life insurance can
demonstrate that you care enough to protect your family, and are
mature and responsible about financial decisions.
3-It can help you start saving and investing. One
category of life insurance, whole life, can accumulate some
investment value in addition to providing a death benefit. Purchasing
this type of insurance with a monthly premium is one way to get into
the habit of putting aside money for the future. Those monthly
payments represent affordable increments that can build up into
something worthwhile over time.
4-It has become easy to shop for discount
insurance. Access and convenience should not be barriers to
obtaining a policy. The internet allows you to find and compare free
quotes. You can compare different costs and features, from a cheap
life insurance policy with a simple death benefit to policies with
additional features and investment elements.
5-It is flexible to suit your needs. Life insurance traditionally
comes in different forms and policy sizes to suit your budget and your
needs. You can start small, with a modest benefit on a discount
insurance policy, and then build up as your family responsibilities grow.
You can choose dividend-paying policies for income generation, or
others that accumulate principal value for long-term saving. In short,
life insurance is not a one-size fits all product.
These five attributes show that life insurance is a user-friendly way of
fulfilling your responsibility to protect your family ---
KNOWLEDGEFINANCIAL.COM
BY ANTONY JEANTY --- FOR; WWW.KNOWLEDGEFINANCIAL.COM
People may understand the basic principle of life insurance, but they
may often overlook just how wide-ranging the benefits can be.
Whether your goal is just to get started with a cheap life insurance
policy, or to protect your family as well as you can, you should find
there can be several ways to benefit from having life insurance. The
following are five of the best things about life insurance.
1-It is cost-effective risk protection. Managing risk is all
about understanding probability--or to put it more simply, playing the
odds. The odds are you aren't going to die anytime soon. So why
should you buy life insurance?
The very fact that there is a low probability of something happening to
you is what can make insurance premiums so inexpensive relative to
the benefits they can pay out. This means you can protect your family
in an affordable way, especially if you shop diligently for discount
insurance.
CALL A FLORIDA LICENSED INSURANCE
AGENT AT: 786-709-577 -- IF YOU ARE IN
MIAMI DADE, BROWARD COUNTY AREAS.
2-It shows you care. Sometimes, actions really do
speak louder than words. Buying life insurance can
demonstrate that you care enough to protect your family, and are
mature and responsible about financial decisions.
3-It can help you start saving and investing. One
category of life insurance, whole life, can accumulate some
investment value in addition to providing a death benefit. Purchasing
this type of insurance with a monthly premium is one way to get into
the habit of putting aside money for the future. Those monthly
payments represent affordable increments that can build up into
something worthwhile over time.
4-It has become easy to shop for discount
insurance. Access and convenience should not be barriers to
obtaining a policy. The internet allows you to find and compare free
quotes. You can compare different costs and features, from a cheap
life insurance policy with a simple death benefit to policies with
additional features and investment elements.
5-It is flexible to suit your needs. Life insurance traditionally
comes in different forms and policy sizes to suit your budget and your
needs. You can start small, with a modest benefit on a discount
insurance policy, and then build up as your family responsibilities grow.
You can choose dividend-paying policies for income generation, or
others that accumulate principal value for long-term saving. In short,
life insurance is not a one-size fits all product.
These five attributes show that life insurance is a user-friendly way of
fulfilling your responsibility to protect your family ---
KNOWLEDGEFINANCIAL.COM
TERM LIFE INSURANCE:
For the most part, there are two types of life insurance plans - either term
or permanent plans or some combination of the two. Life insurers offer
various forms of term plans and traditional life policies as well as "interest
sensitive" products which have become more prevalent since the mid-1980’
s.
TERM INSURANCE :
Term insurance provides protection for a specified period of time. This
period could be as short as one year or provide coverage for a specific
number of years such as 5, 10, 20 years or to a specified age as high as 80.
Policies are sold with various premium guarantees. The longer the
guarantee, the higher the initial premium.
Term Life Insurance
Term life insurance offers a stable premium (typically, your monthly
payment for the policy) over a specified time period, or term. If you die
during that term, your designated beneficiary will receive the policy's death
benefit. If you do not die during the policy's term, the policy does not pay any
benefit.
Term Life Insurance - Designed to meet temporary needs, Term life
insurance provides protection for a specific period of time, term and
generally pays a benefit if you die only during the term.
If you outlive the term, the policy becomes null and void. Term life insurance
makes sense when you need a coverage that will disappear at a specific
point in time. The biggest advantage of term life insurance is the high life
cover at fairly low premiums.
Because term life insurance only returns a benefit under specific
circumstances, it is typically cheaper than whole life insurance. For young
people who are just starting their families, getting a cheap life insurance
policy is often the immediate priority. Also, obtaining protection for a
specified term suits their needs, since their children will grow up and need
less financial protection over time.
If you die during the term period, the company will pay the face amount of
the policy to your beneficiary. If you live beyond the term period you had
selected, no benefit is payable. As a rule, term policies offer a death benefit
with no savings element or cash value.
Premiums are locked in for the specified period of time under the policy
terms. The premiums you pay for term insurance are lower at the earlier
ages as compared with the premiums you pay for permanent insurance,
but term rates rise as you grow older.
Term plans may be "convertible" to a permanent plan of insurance. The
coverage can be "level" providing the same benefit until the policy expires
or you can have "decreasing" coverage during the term period with the
premiums remaining the same.
If you do not pay the premium for your term insurance policy, it will
generally lapse without cash value, as compared to a permanent type of
policy that has a cash value component. Currently term insurance rates are
very competitive and among the lowest historically experienced.
It should be noted that it is a widely held belief that term insurance is the
least expensive pure life insurance coverage available. One needs to
review the policy terms carefully to decide which term life options are
suitable to meet your particular circumstances.
Types of Term Insurance:
Renewable Term. Renewable term plans give you the right to renew for
another period when a term ends, regardless of the state of your health.
With each new term the premium is increased. The right to renew the policy
without evidence of insurability is an important advantage to you.
Otherwise, the risk you take is that your health may deteriorate and you
may be unable to obtain a policy at the same rates or even at all, leaving you
and your beneficiaries without coverage.
Convertible Term.
Convertible term policies often permit you to exchange the policy for a
permanent plan. You must exercise this option during the conversion
period. The length of the conversion period will vary depending on the type
of term policy purchased. If you convert within the prescribed period, you
are not required to give any information about your health.
The premium rate you pay on conversion is usually based on your "current
attained age", which is your age on the conversion date. This type of policy
often provides the maximum protection with the smallest amount of cash
outlay.
Level or Decreasing Term.
Under a level term policy the face amount of the policy remains the same
for the entire period. With decreasing term the face amount reduces over
the period. The premium stays the same each year. Often such policies are
sold as mortgage protection with the amount of insurance decreasing as
the balance of the mortgage decreases. If the insured dies the proceeds of
the policy can be used to pay off the mortgage.
Adjustable Premium.
Traditionally, insurers have not had the right to change premiums after the
policy is sold. Since such policies may continue for many years, insurers
must use conservative mortality, interest and expense rate estimates in the
premium calculation.
Adjustable premium insurance, however, allows insurers to offer insurance
at lower "current" premiums based upon less conservative assumptions
with the right to change these premiums in the future. The premium,
however, can never be more than the maximum guaranteed premiums
stated in the policy.
For the most part, there are two types of life insurance plans - either term
or permanent plans or some combination of the two. Life insurers offer
various forms of term plans and traditional life policies as well as "interest
sensitive" products which have become more prevalent since the mid-1980’
s.
TERM INSURANCE :
Term insurance provides protection for a specified period of time. This
period could be as short as one year or provide coverage for a specific
number of years such as 5, 10, 20 years or to a specified age as high as 80.
Policies are sold with various premium guarantees. The longer the
guarantee, the higher the initial premium.
Term Life Insurance
Term life insurance offers a stable premium (typically, your monthly
payment for the policy) over a specified time period, or term. If you die
during that term, your designated beneficiary will receive the policy's death
benefit. If you do not die during the policy's term, the policy does not pay any
benefit.
Term Life Insurance - Designed to meet temporary needs, Term life
insurance provides protection for a specific period of time, term and
generally pays a benefit if you die only during the term.
If you outlive the term, the policy becomes null and void. Term life insurance
makes sense when you need a coverage that will disappear at a specific
point in time. The biggest advantage of term life insurance is the high life
cover at fairly low premiums.
Because term life insurance only returns a benefit under specific
circumstances, it is typically cheaper than whole life insurance. For young
people who are just starting their families, getting a cheap life insurance
policy is often the immediate priority. Also, obtaining protection for a
specified term suits their needs, since their children will grow up and need
less financial protection over time.
If you die during the term period, the company will pay the face amount of
the policy to your beneficiary. If you live beyond the term period you had
selected, no benefit is payable. As a rule, term policies offer a death benefit
with no savings element or cash value.
Premiums are locked in for the specified period of time under the policy
terms. The premiums you pay for term insurance are lower at the earlier
ages as compared with the premiums you pay for permanent insurance,
but term rates rise as you grow older.
Term plans may be "convertible" to a permanent plan of insurance. The
coverage can be "level" providing the same benefit until the policy expires
or you can have "decreasing" coverage during the term period with the
premiums remaining the same.
If you do not pay the premium for your term insurance policy, it will
generally lapse without cash value, as compared to a permanent type of
policy that has a cash value component. Currently term insurance rates are
very competitive and among the lowest historically experienced.
It should be noted that it is a widely held belief that term insurance is the
least expensive pure life insurance coverage available. One needs to
review the policy terms carefully to decide which term life options are
suitable to meet your particular circumstances.
Types of Term Insurance:
Renewable Term. Renewable term plans give you the right to renew for
another period when a term ends, regardless of the state of your health.
With each new term the premium is increased. The right to renew the policy
without evidence of insurability is an important advantage to you.
Otherwise, the risk you take is that your health may deteriorate and you
may be unable to obtain a policy at the same rates or even at all, leaving you
and your beneficiaries without coverage.
Convertible Term.
Convertible term policies often permit you to exchange the policy for a
permanent plan. You must exercise this option during the conversion
period. The length of the conversion period will vary depending on the type
of term policy purchased. If you convert within the prescribed period, you
are not required to give any information about your health.
The premium rate you pay on conversion is usually based on your "current
attained age", which is your age on the conversion date. This type of policy
often provides the maximum protection with the smallest amount of cash
outlay.
Level or Decreasing Term.
Under a level term policy the face amount of the policy remains the same
for the entire period. With decreasing term the face amount reduces over
the period. The premium stays the same each year. Often such policies are
sold as mortgage protection with the amount of insurance decreasing as
the balance of the mortgage decreases. If the insured dies the proceeds of
the policy can be used to pay off the mortgage.
Adjustable Premium.
Traditionally, insurers have not had the right to change premiums after the
policy is sold. Since such policies may continue for many years, insurers
must use conservative mortality, interest and expense rate estimates in the
premium calculation.
Adjustable premium insurance, however, allows insurers to offer insurance
at lower "current" premiums based upon less conservative assumptions
with the right to change these premiums in the future. The premium,
however, can never be more than the maximum guaranteed premiums
stated in the policy.
Optional Riders/Supplemental Benefits
At the time you purchase a life insurance policy certain supplemental
benefits are available to you. Usually the addition of a rider is reflected
in an additional charge by the company and may require that the
insured provide evidence of insurability. Some of the more important
riders to add are:
Waiver of Premium
Waiver of premium provides that your policy will be kept in force by
the company, without further payment of premiums, if you become
totally disabled before age 60 or 65, after an initial waiting period.
Total disability will be defined by the terms of the rider. Premiums are
waived as long as your disability continues and policy benefits
including cash values and dividends (where payable) continue just as
if you had paid the premiums. This coverage is really a disability
benefit and is both worthwhile and inexpensive.
Automatic Premium Loan Provision
This provision provides that at the end of the grace period, if the
premium due has not been paid, a policy loan will automatically be
made from the policy’s cash value to pay the premium. This helps to
prevent an unintentional lapse in the policy. This provision is often
recommended because of the numerous circumstances when a
premium payment may have inadvertently gone unpaid. The value of
the cash surrender must at least equal the loan amount plus a year of
interest. This provision must be elected by the policyowner and can
be cancelled at any time by the policyowner.
Disability Income
Disability income provides a monthly income while you are totally
disabled after an initial waiting period. The monthly disability income
benefit is limited to a percentage of the death benefit.
Accidental Death Benefit
The accidental death benefit provision provides an additional amount
of insurance in the event that death of the insured occurs by accident.
Some accidental death benefits will provide for two or three times the
face amount of the policy for specified types of accidents. The
accidental death must occur prior to a specified age, such as 65.
Among other exclusions, death due to sickness is excluded.
Guaranteed Insurability
The guaranteed insurability rider gives you the option to buy a stated
amount of additional insurance at specified intervals up to a
maximum age, usually 40, without presenting evidence of insurability.
Such riders will also provide alternate dates to obtain additional
insurance such as the date of marriage, the birth or adoption of a
child when you need for insurance coverage may increase. This rider
guarantees you the option of buying additional coverage regardless of
the state of your health at the time you request the additional
insurance at premium rates based on your attained age.
Cost of Living Rider
The cost of living rider enables you to purchase more insurance each
year to help offset increasing insurance needs due to inflation. The
amount that can be purchased is based on increases in the cost of
living index. This additional coverage is usually available at low rates
and evidence of insurability need not be provided for such increases.
Payor Benefit Rider
A rider may be added to the policy of a juvenile stating that if the payor
(the one paying the premium) dies or becomes totally disabled prior to
the juvenile’s reaching majority, the subsequent premiums due are
automatically waived.
Spouse Rider
This type of rider will provide level term coverage on the life of the
insurer’s spouse. Such rider will also provide a conversion provision
permitting the spouse to convert to permanent coverage without
evidence of insurability prior to the termination of the rider or upon the
death of the insured under the basic policy.
Children’s Rider
This type of rider will generally provide level term coverage on the life
of your children. Such riders are usually offered at one premium rate
and may cover newborns and adopted children who can be added to
the coverage without increasing the premium you pay. The rider will
also provide a conversion provision, which will permit each child to
convert to a permanent plan of coverage without evidence of
insurability prior to the termination of the rider or upon the death of
the insured under the basic policy.
At the time you purchase a life insurance policy certain supplemental
benefits are available to you. Usually the addition of a rider is reflected
in an additional charge by the company and may require that the
insured provide evidence of insurability. Some of the more important
riders to add are:
Waiver of Premium
Waiver of premium provides that your policy will be kept in force by
the company, without further payment of premiums, if you become
totally disabled before age 60 or 65, after an initial waiting period.
Total disability will be defined by the terms of the rider. Premiums are
waived as long as your disability continues and policy benefits
including cash values and dividends (where payable) continue just as
if you had paid the premiums. This coverage is really a disability
benefit and is both worthwhile and inexpensive.
Automatic Premium Loan Provision
This provision provides that at the end of the grace period, if the
premium due has not been paid, a policy loan will automatically be
made from the policy’s cash value to pay the premium. This helps to
prevent an unintentional lapse in the policy. This provision is often
recommended because of the numerous circumstances when a
premium payment may have inadvertently gone unpaid. The value of
the cash surrender must at least equal the loan amount plus a year of
interest. This provision must be elected by the policyowner and can
be cancelled at any time by the policyowner.
Disability Income
Disability income provides a monthly income while you are totally
disabled after an initial waiting period. The monthly disability income
benefit is limited to a percentage of the death benefit.
Accidental Death Benefit
The accidental death benefit provision provides an additional amount
of insurance in the event that death of the insured occurs by accident.
Some accidental death benefits will provide for two or three times the
face amount of the policy for specified types of accidents. The
accidental death must occur prior to a specified age, such as 65.
Among other exclusions, death due to sickness is excluded.
Guaranteed Insurability
The guaranteed insurability rider gives you the option to buy a stated
amount of additional insurance at specified intervals up to a
maximum age, usually 40, without presenting evidence of insurability.
Such riders will also provide alternate dates to obtain additional
insurance such as the date of marriage, the birth or adoption of a
child when you need for insurance coverage may increase. This rider
guarantees you the option of buying additional coverage regardless of
the state of your health at the time you request the additional
insurance at premium rates based on your attained age.
Cost of Living Rider
The cost of living rider enables you to purchase more insurance each
year to help offset increasing insurance needs due to inflation. The
amount that can be purchased is based on increases in the cost of
living index. This additional coverage is usually available at low rates
and evidence of insurability need not be provided for such increases.
Payor Benefit Rider
A rider may be added to the policy of a juvenile stating that if the payor
(the one paying the premium) dies or becomes totally disabled prior to
the juvenile’s reaching majority, the subsequent premiums due are
automatically waived.
Spouse Rider
This type of rider will provide level term coverage on the life of the
insurer’s spouse. Such rider will also provide a conversion provision
permitting the spouse to convert to permanent coverage without
evidence of insurability prior to the termination of the rider or upon the
death of the insured under the basic policy.
Children’s Rider
This type of rider will generally provide level term coverage on the life
of your children. Such riders are usually offered at one premium rate
and may cover newborns and adopted children who can be added to
the coverage without increasing the premium you pay. The rider will
also provide a conversion provision, which will permit each child to
convert to a permanent plan of coverage without evidence of
insurability prior to the termination of the rider or upon the death of
the insured under the basic policy.
| Life Insurance: Advantages, Benefits, & Features While Alive and After Death... Learn More Here! GET A FREE INSURANCE QUOTE, Click Here! Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786-709-6577 It makes good sense to have us as your Insurance Agent to help you review your insurance needs and policies. -------------------- I Will Provide You With High Quality Life Insurance and Annuity Products; Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} ------------------------ I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786-709-6577 Licensed Real Estate Agent Licensed Mortgage Broker Licensed Insurance Agent |
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| Life Insurance: Advantages, Benefits, & Features While Alive and After Death... Learn More Here! GET A FREE INSURANCE QUOTE, Click Here! Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786-709-6577 It makes good sense to have us as your Insurance Agent to help you review your insurance needs and policies. -------------------- I Will Provide You With High Quality Life Insurance and Annuity Products; Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} ------------------------ I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786-709-6577 Licensed Real Estate Agent Licensed Mortgage Broker Licensed Insurance Agent |
TERM LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH.
TERM INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE INFORMATION. FOR BETTER CHOICES, BETTER DECISION, AND BETTER
SATISFACTION. ----
CALL A FLORIDA LICENSED REPRESENTATIVE
AT: 786-709-6577
TERM INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE INFORMATION. FOR BETTER CHOICES, BETTER DECISION, AND BETTER
SATISFACTION. ----
CALL A FLORIDA LICENSED REPRESENTATIVE
AT: 786-709-6577
| LICENSED INSURANCE AGENT: 786-709-6577 FOR INSURANCE GENERAL INFORMATION. LICENSED REAL ESTATE AGENT: 786-709-6577 FOR REAL ESTATE COMPLETE ADVICE & INFORMATION. BUYING SELLING & LEASING LICENSED MORTGAGE BROKER: 786-709-6577 FOR MORTGAGE GLOBAL INFORMATION, FINANCING & REFINANCING. |
| TALK TO A FLORIDA LICENSED INSURANCE AGENT BY CALLING AT: 786-709-6577. TALK TO A FLORIDA LICENSED REAL ESTATE AGENT AT: 786-709-6577 TALK TO A FLORIDA LICENSED MORTGAGE BROKER AT: 786-709-6577 FOR REAL ESTATE FINANCING & REFINANCING. |
..TERM INSURANCE ADVANTAGES, TERM
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with
the insurance companies?
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with
the insurance companies?
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN
MORE...
INSURANCE PRODUCTS: How to make profits with the insurance companies? CALL FOR HELP AT: 786-709-6577
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN
MORE...
INSURANCE PRODUCTS: How to make profits with the insurance companies? CALL FOR HELP AT: 786-709-6577
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL
KNOWLEDGE. Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics.
FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance
companies?
KNOWLEDGE. Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics.
FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance
companies?
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children,
and other dependents with the funds necessary to maintain their standards of
living, can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in
a car and/or from liability for damage or injury caused by you or someone driving
your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely
necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into
consideration in order to obtain the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home
after a catastrophe and insulate you from lawsuits if someone is injured on your
property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you
pay for. The least costly homeowners insurance will likely give you the least
amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes
from the Latin for “year”. In the context of life insurance, it is a contract between
you and an insurance company under which the insurance company pays you
money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare
coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In
this article we’ll look at some of the basic coverages which should be included
in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or
illness, how long would you be able to pay your bills and meet your day-to-day
expenses? LEARN MORE...
Life insurance, payable when you die, can provide a surviving spouse, children,
and other dependents with the funds necessary to maintain their standards of
living, can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in
a car and/or from liability for damage or injury caused by you or someone driving
your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely
necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into
consideration in order to obtain the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home
after a catastrophe and insulate you from lawsuits if someone is injured on your
property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you
pay for. The least costly homeowners insurance will likely give you the least
amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes
from the Latin for “year”. In the context of life insurance, it is a contract between
you and an insurance company under which the insurance company pays you
money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare
coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In
this article we’ll look at some of the basic coverages which should be included
in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or
illness, how long would you be able to pay your bills and meet your day-to-day
expenses? LEARN MORE...
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..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE.
Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is the
most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY
TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU
PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors
should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything You Need To Know About
Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything. Learn
more about this magnificent place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About Copyright Registration. The
procedure for copyright registration.
Do I need copyright protection? How do I register? Learn More!
..Dealership secrets revealed. Before you buy a car; read this first... CAR
BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan. What to avoid when
financing a car..
Buy the term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is the
most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY
TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU
PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors
should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything You Need To Know About
Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything. Learn
more about this magnificent place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About Copyright Registration. The
procedure for copyright registration.
Do I need copyright protection? How do I register? Learn More!
..Dealership secrets revealed. Before you buy a car; read this first... CAR
BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan. What to avoid when
financing a car..
..Life Insurance Advantages, Benefits, & Features While Alive and After
Death... Learn More Here!
..Insurance General Information: Ways to Make Money & Save Money on
Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General Knowledge. Buy
the Term, and invest the difference. Learn More...
..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or
Check How Much You Can Pay For a Life Insurance...
..Investment Products: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the insurance companies?
Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid
personal financial plan. The right insurance policies will go a long way toward
helping you safeguard your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways
against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND
AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE
INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE
WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND
BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children,
and other dependents with the funds necessary to maintain their standards of
living, can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
Death... Learn More Here!
..Insurance General Information: Ways to Make Money & Save Money on
Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General Knowledge. Buy
the Term, and invest the difference. Learn More...
..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or
Check How Much You Can Pay For a Life Insurance...
..Investment Products: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the insurance companies?
Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid
personal financial plan. The right insurance policies will go a long way toward
helping you safeguard your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways
against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND
AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE
INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE
WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND
BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children,
and other dependents with the funds necessary to maintain their standards of
living, can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your
insurance premium (age and family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your insurance premium if you:
| UNKNOWN SECRETS OF INSURANCE.. PROFITS, FEATURES, BENEFITS, ADVANTAGES. TO KNOW MORE: CONTACT ANTHONY AT: 786-709-6577 SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: 786-709-6577 |
Start your own business EASY & SIMPLE, be your
own boss, make extra money, secure your
financial future, obtain financial freedom. LEARN
MORE! CLICK HERE..
own boss, make extra money, secure your
financial future, obtain financial freedom. LEARN
MORE! CLICK HERE..
| Everything You Need to Know About Insurance; SOUTH FLORIDA, Call The Representative At: 786-709-6577 Do you know the 5 biggest mistakes people who are already had an insurance policy made?- If not, I will let you know! ''Just Contact Me''.. AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. Do you know the 10 greatest reasons, benefits, advantages for people to have an insurance policy? If not, I will let you know! CONTACT ME AT: 786-709-6577 ,,LIFE INSURANCE YOU HAVE QUESTIONS, WE HAVE ANSWERS. CALL ANTONY AT: 786-709-6577 WE HAVE A PLAN TO BETTER HELP YOURSELF, YOUR FAMILY, YOUR FRIENDS, AND OTHER FAMILIES TO BE PROPERLY PROTECTED. ANTONY- Phone 786-7096577- Licensed Realtor, For All Real Estate Services Licensed Insurance Representative: For all insurance questions Financial Services Consultant: For Financing, Investing & Mortgage & Loans |
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| WHY YOU SHOULD HAVE LIFE INSURANCE? WHAT ARE THE FEATURES, ADVANTAGES, AND BENEFITS OF LIFE INSURANCE WHILE ALIVE AND AFTER DEATH? -------------KNOWLEDGEFINANCIAL.COM 1. Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. Assure your family a better future. Pay college for kids. South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577 Most importantly for parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults. -------------------KNOWLEDGEFINANCIAL.COM 2. Pay final expenses Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. --------- CALL ANTHONY AT: 786-709-6577 3. Create an inheritance for your heirs Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries. -----------------KNOWLEDGEFINANCIAL.COM South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577 3. Pay federal “death” taxes and state “death” taxes Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. -----------------knowledgefinancial.com 4. Create a source of savings Some types of life insurance create a cash value that can be borrowed or withdrawn on the owner’s request. -- South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577 --Even better if you buy term life insurance not expensive but very good and invest the difference. At withdrawal; you don't have to borrow, no interest charges. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim). --But term life insurance with a separate investment plan is the best. South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577 -----------------KNOWLEDGEFINANCIAL.COM 5. ADVANTAGE OF LIFE INSURANCE Accelerated Death Benefit - ADB-- Provision KNOWLEDGEFINANCIAL.COM-- EXPLAINS A benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness. RECEIVE BIG CASH WHILE SICK & ALIVE. ISN'T IT A GREAT THING? --------------KNOWLEDGEFINANCIAL.COM 6. ADVANTAGES & BENEFITS OF LIFE INSURANCE Waiver Of Premium Rider Provision KNOWLEDGEFINANCIAL.COM-- EXPLAINS: A clause in an insurance policy that waives the policyholder's obligation to pay any further premiums should he or she become seriously ill or disabled. A waiver of premium allows people to benefit from an insurance policy, even when they cannot work. SO WHY NOT HAVING A LIFE INSURANCE POLICY? --- South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577 www.knowledgefinancial.com |
| ..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More... -AMERICAN DOLLAR. What are the letters, numbers, and symbols, the latin words, The pyramid mean? FIND-OUT... |
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Top 10 Life Insurance Myths ---KNOWLEDGEFINANCIAL.COM
Life insurance is not a simple product. Even term life policies have many elements that must be considered carefully in order to arrive at the proper
type and amount of coverage.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: 786-709-6577
But the technical aspects of life insurance are far less difficult for most people to deal with than trying to get a handle on how much coverage they
need and why.
Myth No.1:
I Don't Need Coverage, I'm Single With No Dependents
Even single people need at least enough life insurance to cover the costs of personal debts, medical and funeral bills.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: 786-709-6577--
If you are uninsured, you may leave a legacy of unpaid expenses for your family or executor to deal with. Plus, this can be a good way for low-income
singles to leave a legacy to a favorite charity or other cause.
Myth No.2:
I Only Need Coverage Equal to Twice My Salary---KNOWLEDGEFINANCIAL.COM
You need an amount of life insurance equal to the amount that is actually required. In addition to medical and funeral bills, you may need to pay off
debts such as your mortgage and provide for your family for several years. A cash flow analysis is usually necessary in order to determine the true
amount of insurance that must be purchased - the days of computing life coverage based only on one's income-earning ability are long gone.
Myth No.3:
My Term Life Insurance at Work Is Sufficient
Maybe, maybe not. For a single person of modest means, employer-paid or provided term coverage may well be enough. But if you have a spouse or
other dependents, or know that you will need coverage upon your death to pay estate taxes or create an estate for charity, then additional coverage
may be necessary if the term policy does not meet those needs.
Myth No.4:
The Cost of My Premiums Will Be Deductible--KNOWLEDGEFINANCIAL.COM
Afraid not, at least in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage
is used to insure the business. Then the premiums are deductible on the Schedule C of the Form 1040.
KNOWLEDGEFINANCIAL.COM
Myth No.5:
I Should ALWAYS Buy Term and Invest the Difference
Not necessarily. The cost of term life coverage can become prohibitively high in later years; therefore, those who know for certain that they must be
covered at death should consider permanent coverage. The total premium outlay for a more expensive permanent policy may be less than the
ongoing premiums that could last for years longer with a less expensive term policy.
Myth No.6:
Only Breadwinners Need Life Coverage----KNOWLEDGEFINANCIAL.COM
Nonsense. The cost of replacing the services formerly provided by a deceased homemaker can be higher than you think, especially when it comes
to cleaning and daycare.
Myths no.7:
Insuring Against The Loss -- SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE
AT: 786-709-6577 --
Whether you love it or hate it, everyone should still consider purchasing life insurance. Unfortunately, when it comes to this insurance, coverage for
non-working spouses is often overlooked, especially if the household is in a lower income bracket. But the economic replacement cost of a
non-working spouse should never be discounted.
Some estimates say a homemaker is worth $500,000 or more per year because of the endless list of tasks and burdens that fill a stay-at-home
parent's
Myth No.8: ---KNOWLEDGEFINANCIAL.COM
I Should Always Purchase the Return-of-Premium Rider
There are usually different levels of ROP riders available for policies that offer this feature. Many financial planners will tell you that this rider is not
cost-effective and should be avoided. Whether you include this rider will depend on your risk tolerance and other possible investment objectives.
A cash flow analysis will reveal whether you could come out ahead by investing the additional amount of the rider elsewhere versus including it in
the policy. (Riders are available to provide additional benefits that help you customize your policy.
Myth No.9
I'm Better Off Just Investing My Money
Hogwash. Until you reach the breakeven point of asset accumulation, you need life coverage of some sort (barring the exception discussed in Myth
No.5.) Once you amass $1 million of liquid assets, you can consider whether to discontinue (or at least reduce) your million-dollar
policy.-----KNOWLEDGEFINANCIAL.COM
But you take a big chance when you depend solely on your investments in the early years of your life, especially if you have dependents. If you die
without coverage for them, there may be no other means of provision after the depletion of your current assets.
WWW.KNOWLEDGEFINANCIAL.COM
Life insurance is not a simple product. Even term life policies have many elements that must be considered carefully in order to arrive at the proper
type and amount of coverage.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: 786-709-6577
But the technical aspects of life insurance are far less difficult for most people to deal with than trying to get a handle on how much coverage they
need and why.
Myth No.1:
I Don't Need Coverage, I'm Single With No Dependents
Even single people need at least enough life insurance to cover the costs of personal debts, medical and funeral bills.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: 786-709-6577--
If you are uninsured, you may leave a legacy of unpaid expenses for your family or executor to deal with. Plus, this can be a good way for low-income
singles to leave a legacy to a favorite charity or other cause.
Myth No.2:
I Only Need Coverage Equal to Twice My Salary---KNOWLEDGEFINANCIAL.COM
You need an amount of life insurance equal to the amount that is actually required. In addition to medical and funeral bills, you may need to pay off
debts such as your mortgage and provide for your family for several years. A cash flow analysis is usually necessary in order to determine the true
amount of insurance that must be purchased - the days of computing life coverage based only on one's income-earning ability are long gone.
Myth No.3:
My Term Life Insurance at Work Is Sufficient
Maybe, maybe not. For a single person of modest means, employer-paid or provided term coverage may well be enough. But if you have a spouse or
other dependents, or know that you will need coverage upon your death to pay estate taxes or create an estate for charity, then additional coverage
may be necessary if the term policy does not meet those needs.
Myth No.4:
The Cost of My Premiums Will Be Deductible--KNOWLEDGEFINANCIAL.COM
Afraid not, at least in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage
is used to insure the business. Then the premiums are deductible on the Schedule C of the Form 1040.
KNOWLEDGEFINANCIAL.COM
Myth No.5:
I Should ALWAYS Buy Term and Invest the Difference
Not necessarily. The cost of term life coverage can become prohibitively high in later years; therefore, those who know for certain that they must be
covered at death should consider permanent coverage. The total premium outlay for a more expensive permanent policy may be less than the
ongoing premiums that could last for years longer with a less expensive term policy.
Myth No.6:
Only Breadwinners Need Life Coverage----KNOWLEDGEFINANCIAL.COM
Nonsense. The cost of replacing the services formerly provided by a deceased homemaker can be higher than you think, especially when it comes
to cleaning and daycare.
Myths no.7:
Insuring Against The Loss -- SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE
AT: 786-709-6577 --
Whether you love it or hate it, everyone should still consider purchasing life insurance. Unfortunately, when it comes to this insurance, coverage for
non-working spouses is often overlooked, especially if the household is in a lower income bracket. But the economic replacement cost of a
non-working spouse should never be discounted.
Some estimates say a homemaker is worth $500,000 or more per year because of the endless list of tasks and burdens that fill a stay-at-home
parent's
Myth No.8: ---KNOWLEDGEFINANCIAL.COM
I Should Always Purchase the Return-of-Premium Rider
There are usually different levels of ROP riders available for policies that offer this feature. Many financial planners will tell you that this rider is not
cost-effective and should be avoided. Whether you include this rider will depend on your risk tolerance and other possible investment objectives.
A cash flow analysis will reveal whether you could come out ahead by investing the additional amount of the rider elsewhere versus including it in
the policy. (Riders are available to provide additional benefits that help you customize your policy.
Myth No.9
I'm Better Off Just Investing My Money
Hogwash. Until you reach the breakeven point of asset accumulation, you need life coverage of some sort (barring the exception discussed in Myth
No.5.) Once you amass $1 million of liquid assets, you can consider whether to discontinue (or at least reduce) your million-dollar
policy.-----KNOWLEDGEFINANCIAL.COM
But you take a big chance when you depend solely on your investments in the early years of your life, especially if you have dependents. If you die
without coverage for them, there may be no other means of provision after the depletion of your current assets.
WWW.KNOWLEDGEFINANCIAL.COM
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success.
Rule Of 72 is the most important and simple rule of financial
success.
..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN
THIS FIRST!...
..GOVERNMENT: Government's general information; Local,
State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward,
and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE
TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES
TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN REAL
ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE
SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU
KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator
Problems every investors should know about...
...REAL ESTATE MARKET: TODAY'S
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success.
Rule Of 72 is the most important and simple rule of financial
success.
..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN
THIS FIRST!...
..GOVERNMENT: Government's general information; Local,
State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward,
and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE
TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES
TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN REAL
ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE
SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU
KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator
Problems every investors should know about...
...REAL ESTATE MARKET: TODAY'S
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
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