Forgotten Feet

Being STRONG is our Only choice
Have a Fantastic Friday

Minute With Maxwell: Bob Marley - John Maxwell Team For the next several weeks, I’m going to share some of my favorite quotes and statements to encourage you to stay strong in your leadership walk. Today’s Sta...

⭐𝐖𝐡𝐲 𝐒𝐦𝐚𝐫𝐭 𝐏𝐞𝐨𝐩𝐥𝐞 𝐀𝐫𝐞 𝐁𝐮𝐲𝐢𝐧𝐠 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐈𝐧 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫?⭐

We all know that insurance is important because it gives us the peace of mind we all need.

But… when an advisor tries to sell you insurance, your first response is probably “ Nope… I have enough! I don’t need any more insurance!”😱

I know… When somebody tries to sell me something, I have that common reaction too. But have you ever asked yourself, why buy insurance especially in December?

=== 𝐖𝐡𝐲 𝐁𝐮𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐈𝐧 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫? ===

Here are some reasons for you to buy insurance in December this year:

❤𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫 𝐢𝐬 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐫𝐞𝐜𝐞𝐢𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐧𝐮𝐬 - let's be honest. The first thing you probably do when you receive your bonus is spending them away right? Why not convert some of these bonus into a policy that gives you and your family a peace of mind? It's the best time to plan for 2020.

❤𝐘𝐨𝐮 𝐞𝐱𝐩𝐞𝐜𝐭 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐥𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬 𝐢𝐧 𝟐𝟎𝟐𝟎 - whenever your liabilities increases , for example you intend to buy a new house in 2020, you need to purchase some term insurance to cover the loan in case something happens to you. This protects your loved one from unintended liabilities in the future.

❤𝐘𝐨𝐮𝐫 𝐈𝐧𝐜𝐨𝐦𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐬 - December is probably the time where you are expecting your promotion. If that is the case, congratulations. Here’s a fun fact, did you know that you require 𝗮𝘁 𝗹𝗲𝗮𝘀𝘁 𝟭𝟬𝘅 𝘆𝗼𝘂𝗿 𝗮𝗻𝗻𝘂𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲 in life protection? This also means if your income increased in December, the amount of life protection you require will increase as well. Have a conversation with your advisor to find out more.

❤𝐓𝐡𝐞 𝐛𝐞𝐬𝐭 𝐠𝐢𝐟𝐭 𝐟𝐨𝐫 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐲𝐨𝐮 𝐭𝐫𝐮𝐥𝐲 𝐜𝐚𝐫𝐞 𝐚𝐛𝐨𝐮𝐭 𝐢𝐬 𝐚 𝐟𝐥𝐨𝐰 𝐨𝐟 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 - December is the month where many grandparents are trying to give out gifts to their loved ones. Rather than giving a small lump sum of money, why not invest the money in an annuity that 𝐠𝐢𝐯𝐞𝐬 𝐲𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐠𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 𝐚 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐟𝐥𝐨𝐰 𝐨𝐟 𝐢𝐧𝐜𝐨𝐦𝐞? This is what many smart grandparents are currently doing.

❤𝐘𝐨𝐮 𝐢𝐧𝐭𝐞𝐧𝐝 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐨𝐫 𝐠𝐞𝐭 𝐦𝐚𝐫𝐫𝐢𝐞𝐝 - Now when you are single and has no dependents, you don’t need life insurance. However when your life cycle changes and now you finally have somebody you truly care about, you need to spare thoughts for them. Get yourself covered.

===𝐖𝐡𝐚𝐭 𝐭𝐨 𝐝𝐨 𝐧𝐞𝐱𝐭? ===

☕To sum it up, make sure you’re fully covered. If your advisor ever approach you this December and ask you for a cup of coffee, don’t reject them first. Spend a few minutes listening to what they have to offer.

😉Every professional advisor in the financial planning industry will know that their clients’ priorities changes dramatically in December due to them planning for 2020. That is why they are 𝐛𝐞𝐢𝐧𝐠 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐥𝐞 𝐚𝐧𝐝 𝐜𝐡𝐞𝐜𝐤𝐢𝐧𝐠 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐟𝐮𝐥𝐥𝐲 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐚nd financially ready to kick start 2020!

😉Remember, the best time to buy insurance is yesterday because you never know what will happen today! Get yourself covered & insurance only get more expensive as you age.

Hi Friends and Family ,

I am creating a new page to be centered around my professional journey at Sagicor Insurance.
Journey with me as i share various photos (that may bring a smile to your face).
Also interesting facts on US $ & JA$ Insurance & Investment that may bring value to you

Here are links to the different social media pages to keep connected with me :

Facebook: https://www.facebook.com/KarenAnnWealth/
LinkedIn: https://www.linkedin.com/in/karenannWealth/
Instagram: https://www.instagram.com/karenannWealth/

Looking forward to connecting with you ,
Karen Ann

Karen Ann Phillips Wealth Journey Karen's new journey at Sagicor Insurance Brokers
"Sagicor's Finest!"
US$ & JA$ Investments and Insurance Coverage

Hi Friends and Family ,

I am creating a new page to be centered around my professional journey at Sagicor Insurance.
Here are the links to the different social media pages to keep connected with me :

Facebook: https://www.facebook.com/KarenAnnSagicor/
LinkedIn: https://www.linkedin.com/in/karenannsagicor/
Instagram: https://www.instagram.com/karenannsagicor/

Looking forward to seeing you all,
Karen

Karen Ann Phillips Wealth Journey Karen's new journey at Sagicor Insurance Brokers
"Sagicor's Finest!"
US$ & JA$ Investments and Insurance Coverage

𝟓 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐓𝐢𝐩𝐬 𝐅𝐨𝐫 𝐁𝐞𝐠𝐢𝐧𝐧𝐞𝐫𝐬 ⭐💰⠀
⁣𝟭. 𝗗𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲 𝗬𝗼𝘂𝗿 𝗥𝗶𝘀𝗸 𝗔𝗽𝗽𝗲𝘁𝗶𝘁𝗲⠀
- 90% of people will not know their risk appetite. In fact, through my decade of experience, many clients would say that they are high risk taker but when they really lose the money, they probably become low risk taker. So make sure you understand your own risk appetite better than anyone. ⠀
⁣𝟮. 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗬𝗼𝘂𝗿 𝗣𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼𝘀⠀
- You need a portfolio that is aggressive in places, defensive in others, cautious elsewhere. It needs to adapt to the ever-changing market conditions.⠀
⁣𝟯. 𝗗𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻⠀
- Despite your best expectation for your investments, there will be periods when some of them will lose money. When that occurs, you need other investments to offset the decline. Diversification ensures that by not "putting all your eggs in one basket".⠀
⁣𝟰. 𝗦𝘁𝗮𝗿𝘁 𝗘𝗮𝗿𝗹𝘆⠀
- Saving for retirement is not the only reason to make well-planned investments. Many investments, such as those made in dividend stocks, can provide an income stream throughout the life of the investment. Starting younger have certain advantages over those who wait to begin investing, including time, the ability to hedge increased risk and opportunities to increase future wages.⠀
⁣𝟱. 𝗛𝗼𝗹𝗱 𝗢𝗻 𝗧𝗼 𝗬𝗼𝘂𝗿 𝗘𝗺𝗼𝘁𝗶𝗼𝗻𝘀⠀
- Investing without emotion is easier said than done but there are some important considerations that can keep an individual investor for making the wrong decisions or overselling in fear. Understanding your own risk tolerance and the risks of the investments you invest in can be an important basis for investing decisions in a long term.⠀
TAG a friend who you think should see this! Together let's make financial planning easier for everyone! =)⠀
👉 learn.sanjaytolani.com

SAGICOR'S Karen Ann Phillips visits PICJ display @ THE Medical SYMPOSIUM...
Sept 2019

All Smiles Selfie with Mr Earl Jarrett

Sagicor Foundation has disbursed more than $13 million in scholarships and grants to 100 secondary- and tertiary-level students; the largest in its history.

At a ceremony at the Jamaica Pegasus hotel in Kingston, the foundation awarded children of Sagicor clients and team members, Jamaica Defence Force (JDF) employees, as well as the 2019 Parish Champions from the Jamaica Teachers' Association (JTA)/Sagicor National Athletics Championship with scholarships to help with offsetting back-to-school expenses as they prepare for the new school year.

To learn more visit http://bit.ly/SagicorAwardsOver100Scholars