Life & Health Insurance Agent

Life insurance has products that can provide you piece of mind in case you are diagnosed with a terminal illness or you become disabled, some products protect your legacy like your home, there are options to use it for funding college, debt elimination, providing a lifetime income, provide tax advantages, help guard against inflation, and so much more.

Are you interested in diversifying your financial portfolio? Life insurance has products that can offer double-digit growth potentials.

Finally, are you a business owner? Life insurance has products for you as well.

Life insurance has changed a lot over the years, it benefits include so much more than just a death benefit to your loved ones.

I am licensed in the states of WA, NV, TX, MI, IA, OH, VA - if you live in any of those states let me help you.

Most people have life insurance through their job - but what if you leave, get laid off, or are terminated? Most likely, those benefits are gone, too.

Getting insured has many benefits depending on the product you need for your life. Some are: income replacement if you go to the hospital for any reason or get a critical illness, cash value, living benefits so you can access your funds, not just your beneficiary, and peace of mind from life's hiccups. And that is why I am here - to help guide you and provide knowledge about all the products that can benefit you and your loved ones.

Guard your legacy now. The younger you are, the cheaper the price for peace of mind and security. Do it today.

Do you own a small business? I have the PERFECT plan for you and your employees. Only 50% participation required, not 100%!!

Make an appointment today at www.helpwithinsurancetoday.com to learn more or submit a census of your company.

📢 Calling all Small Businesses!! 📢

Are you or your employees concerned about rising healthcare costs?

Would you like to provide Fortune 500 company-style benefits to your employees but feel it’s too expensive?

You CAN do this!

We offer:

✔ HSA Compatible plans
✔ PPO plans

Plans start at 60% coinsurance up to 100%.

Value-added products such as:

$0 Virtual Visits
✔ Primary Care
✔ Mental Healthcare
✔ Pediatrics
✔ Health Coaching

$0 In-Person Care
✔ Imaging
✔ Labs
✔ At-Home Urgent Care
✔ Medical Equipment

Contact me today to get a quote!

Protect yourself, your loved ones, and your legacy.

💡 Here are three ways everyone can save:

Fixed Account:

Fixed growth set by the institution, like in a bank, cash deposit, or a money market fund. This is a good option because it’s guaranteed to grow. However, it’s also guaranteed to not grow enough. Expect 1-3% returns per year. Useful for an emergency fund but not so much for getting a decent retirement income.

Stock Market:

Most retirement savings plans fall into this category (403b, 401a, 401k, etc.). In this strategy, your money has a better chance of growth than in a fixed account, however, you can lose it just as quickly. In 2008, 401k savers lost over 30% of their savings due to a market crash. To take an income from this strategy, DALBAR (the nation's leading financial services market research firm) recommends taking 3% of the total nest egg each year. The reason for this is that those monies need to be moved into a conservative position at retirement age which will gain about 4-5% a year. This move is to protect them from market losses in more vulnerable years.

Index Strategy:

Similar to the stock market strategy with one key difference - the index strategy grows with the stock market up to 13% a year and locks in those gains each year with a zero percent floor. This means that what you've saved and earned in interest each year cannot be lost due to a market downturn or correction. This strategy aims to have solid and safe growth since your account can still earn up to 13% a year without risking market loss during retirement, the income you can expect from it is 6-10% conservatively of your nest egg each year. The idea here is to give up some of your upside potential in exchange for complete downside protection.

Interested in considering the Index Strategy? I can help!

Secure your future now.

When are you going to retire?

Early? 67? 70?

Schedule a meeting with me today at:

Retirement Benefits Analysis - Naomi Nicholson

When was your last retirement review?

No cost consultation - Book online at

www.helpwithinsurancetoday.com

About us We're here to help. Need health insurance? We got you. Maybe you aren't sure if you have adequately planned for your retirement - we got you with our free retirement review! We also have term and whole life insurance from lots of highly-rated carriers with no medical exam for up to $2 million!