Dave Luft

I am not advertising for life insurance on fb. If you want a policy, give me a call but the reason for this post...

One of the people I work with just got a call from a husband of a woman who had a term policy that ended 6 days before she died. This is very sad. I don't know how old she was but if you are looking to leave money behind for family, DONT GET A TERM!!!!!!

You can get a level term to last up until you are age 85. Life expectancy right now is in our low to mid 80s. In 20 years, life expectancy will probably be 90 for men and woman. Remember when people passed away at 75 and it was normal. Now that is almost 85.

Yes, a term is cheaper and more affordable, but if you outlive the policy...the people you want to leave money behind for, are now paying for your funeral out of their pocket.

Looking for a quote on life insurance but don't wan to talk to an agent. Click below and you can get your quote in minutes. If you like the quote, then request a call to apply and I can help you fill out the application.

So you can always be there for them. Browse instant online quotes from today’s top life insurance providers.

Sometimes life takes you off-roading.

Time to make a retirement strategy. Talk to a financial professional to get started (or restarted!) today.

It has been a while but I put a new blog up regarding college planning.
Using Life Insurance vs using a 529 plan.

Life Insurance vs 529 Plan - Dave Luft Insurance Agency The 2 ways to save for child's college are life insurance or the more popular 529 plan. Here are pro's and con's for each.

There are 2 main ways to save for your child's college. Parents either use life insurance or the more popular 529 plan. Having 2 kids myself, I use life insurance and here are the reasons why. 1. In Life Insurance - The cash value is invested in the market and guaranteed to not lose money from year to year. A 529 plan is in the market and has no protection from the market....

Life Insurance vs 529 Plan - Dave Luft Insurance Agency The 2 ways to save for child's college are life insurance or the more popular 529 plan. Here are pro's and con's for each.

Getting a newborn child life insurance can be the best idea in the world and here is why.

100 a month into an Indexed Universal Life policy will get them a million dollars in cash value by the time they are 65yo.

Want to save for their college...$40,000 by the time they are 20 years old.

Down payment on a house...$85,000 at 30 years old.

All this can be accessed tax free and interest free.

Do you or do you know anyone that has an old 401k or IRA that they don't keep track of anymore. What if it were in an account with no fees and they didn't have to worry if the market crashed. How does a 6-7% rate of return sound too.
Message me if you want more info and I can see what I can do for you.

Looking for life insurance but don't want to talk to an agent and know exactly what you want. We have a site where you can quote and apply yourself. Legal&General is available who has one of the cheapest term prices in the industry. Click the link below to go to the site.

Insure Me Now Direct

PSA: Don't wait until you are sick or 80 to get life insurance for funeral costs that you are guaranteed to have. Everyone will have a funeral at some point and everyone will incur that cost on someone.
If you don't want your kids to pay for it, call me or message me
A 65yo male smoker can get 15,000 for 98 a month. If you won't pay for the funeral, who will?

Everyone has insurance through work but is it enough? What if something happened and you didn't come home? What would that coverage actually do. Here is a short article I wrote that may make you look into your work benefits.
Contact me at 475-235-9079 or book yourself on my calendar for an appointment.
https://calendly.com/daveluft

https://daveluftinsuranceagency.com/2023/06/27/is-my-work-policy-enough/