Insuranceuneed

The harder the conflict, the more glorious the triumph. Thomas Paine

Final expense insurance is a perfect alternative to traditional life insurance because it is more affordable, no medical exam is required, and premiums will not increase over time.

There are four types of Social Security benefits: Retirement benefits, Survivor benefits, Supplemental benefits, and Disability benefits.

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.

Term life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 30 years.

Success is the sum of small efforts - repeated day in and day out. Robert Collier

Fast Fact: 52% of Americans have Life Insurance in 2023.

Fast Fact: A capital gain occurs when you sell a capital asset, such as real estate, stocks or bonds, for more than you paid for it. The amount of taxes you pay depends on how long you hold your capital asset.

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

The face value of a life insurance policy is the death benefit the policy will pay. If you take out a $100,000 life insurance policy, $100,000 is the face value. That value can change over time as you borrow from the policy or increase the amount of coverage you have. Face value is not the same as cash value, which is the excess premiums you’ve paid plus interest earned, which accumulates in the policy’s cash value account.

Fast Fact: 52% of Americans with household incomes between $50,000 and $99,999 own life insurance.