What Is Globe Life & Accident Insurance? : Life Insurance & More


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Globe Life and Accident is a life insurance company in North America. Find out about Globe Life and Accident insurance with help from an insurance industry professional in this free video clip.

Expert: Byron Udell
Contact: www.accuquote.com
Bio: Byron Udell is Founder, President and CEO of AccuQuote.com. He has more than 25 years of industry experience, and is one of the nation’s foremost life insurance, LTC and annuity industry experts.
Filmmaker: Erik Bjella

Series Description: There are many different types of insurance policies available for you to pick from based on the needs and preferences of your specific situation. Get tips on life insurance and more with help from an insurance industry professional in this free video series.

Globe Life – Life Insurance For Children & Grandchildren


Giving your kids or grandkids a financial head start is easier than you might think. Secure whole life coverage today that only costs * to start. It’s simple and easy and can last a lifetime. Rates never increase.

Whole Life Insurance for Your Child for Just Pennies a Day


Did you know you can start a ,000 Grow-Up® Plan for your child for just pennies a day? Learn more about whole life insurance for your child: http://buff.ly/1ozi04p

Infinite Banking – How to Get Started with Life Insurance


Infinite Banking – How to Get Started with Life Insurance

The reason that I share this divergence of the two types of term and whole is the need for both. Not just one, and not just the other. Many people pit one type against another in a heated term vs. whole life debate, but it’s unnecessary and ends up missing the whole picture.

While term premiums are lower, they are an expense. Whole life premiums, while higher, can be thought of as savings. Most people cannot afford to buy their entire human life value in whole life insurance. Term insurance allows you to fill the gap between your whole life insurance death benefit and your human life value.

Term life has no living benefits at all. You cannot use the policy at all while you are living. The only benefit is the death benefit paid out to your heirs when you die if you die during the term of the policy.

However, if we only look at life insurance as a place to store cash, and we forget about insuring you for your full human life value, we’ll lose the opportunity to ensure that your family is taken care of in the event of a personal tragedy.

The goal is to have a hybrid plan where we use whole life insurance as your place to store cash, where your primary dollars are going into your account of safe, liquid, growing, guaranteed money. And we want to use term life insurance to get you up to your total human life value.

For example, this may look like having a 0,000 policy of whole life insurance and another .7 million term life policy.

Ideally, your term policy is convertible, meaning that at some point in your life, whether you receive an inheritance, lump sum of money, or an increase in income, you want the ability to convert portions or all of the term life policy into another whole life policy.

Ideally, you want to make sure your family is covered for your full human life value, and also ensure you have the greatest asset to store cash.

One last thing to note, many people believe that you have to be the working spouse that provides the family’s primary income in order to need or qualify for life insurance or have a human life economic value. This is not the case. Even if you are the spouse who stays home with the children, it’s important for you to have life insurance. The reason is that if you were no longer living, there would be a tremendous additional expense to your family for childcare, cleaning, etc., for all the responsibilities that you handle on a daily basis, which may not bring a dollar amount into your household, but which are truly an economic value.

I hope this sheds some light and brings some clarity into the world of life insurance, and how to start thinking through this in your personal life and your family.

I’d love to have a conversation with you if you want to talk through these ideas or figure out how it might work for you.

Read Full Blog Here: http://www.marshallsinsurance.com/infinite-banking-how-to-get-started-with-life-insurance

Get the FREE Cash Flow Generator Guide Here:
http://marshallsinsurance.com/cashflowgenerator

#fulllifewealth #infinitebanking

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Best Term Life Insurance Company

Cash Is King: Part 8 – What is Specially Designed Life Insurance?


Cash Is King: Part 8 – What is Specially Designed Life Insurance?

Get the FREE Cash Flow Generator Guide Here:
http://marshallsinsurance.com/cashflowgenerator

How can you store your cash in a way that you control it?  The most important attributes you want on an account where you store cash are SAFETY, LIQUIDITY, and GROWTH.  

We use a concept called the Private Reserve, built on the Infinite Banking Concept, popularized by Nelson Nash.

You want your money earning UNINTERRUPTED COMPOUND INTEREST.  To do this, you don’t want to deplete your reserves, but to LEVERAGE your reserves as collateral.

The most powerful tool I have seen is Specially-Designed Whole Life Insurance with a mutual company.  This is structured to pay dividends, have high cash value up front, and strong long-term growth.

What is Specially-Designed Whole Life Insurance?  It’s not an investment, but a place to store cash where money is secure.  

We dig into how it works and why, including:

Growth
• Company with strong financials (A ratings or higher by Moody’s, Fitch, and Standard & Poor’s)
• 3 – 5% growth over a 30+ year timeframe
• Over 100-year history of consecutive profitability

Safety:
• Guarantees backed by dollar-for-dollar reserves (unlike traditional banking system, life insurance companies cannot use leverage to create wealth)
• Cash value that only grows, never goes down in value

Liquidity:
• Because your cash value is your asset, you can access your cash at any time, for any reason
• To access your cash value, you borrow against your cash value, using leverage that allows your money to keep growing

When you utilize your cash value to collateralize opportunities, you can stack your investments, earning a rate of return in two places at the same time.

Specially-designed life insurance is a tool of the wealthy to build cash and cash flow and to be in a position of keeping and controlling more of their resources.

I believe the best position for anyone to be in is to have access to the information and tools so they can make well-informed decisions in their wealth creation journey.

Recommended resources:
• Becoming Your Own Banker – Nelson Nash
• Live Your Life Insurance – Kim D. H. Butler
• Busting the Life Insurance Lies – Kim D. H. Butler and Jack Burns, with James Ranson
• Understanding Specially Designed Life Insurance Contracts (SDLIC): Thinking Differently about the Flexibility, Access, and Control of Your Money – John Moriarty
• Killing Sacred Cows – Garrett Gunderson
• Financial Independence in the 21stst Century – Dwayne Burnell, Suzanne Burnell
• Discovering Hidden Treasures: Hidden truths about creating, retaining, and transferring wealth! – Dan Thompson
• Confessions of a CPA – Bryan S. Bloom, CPA

Read Blog Here: http://marshallsinsurance.com/cash-is-king-part-8-what-is-specially-designed-life-insurance/

#fulllifewealth #cashisking

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What Are The Policies Of Insurance?


Most cgl policies are written with what is called an occurrence trigger. Life insurance 101 types of life explained good what are the different term policies? 8 policies which policy is best for you? . Insurance policy wikipedia. Unlike whole life insurance, universal insurance policies are flexible and plan to leave your family financially secure? Choose cover options & get a quote from old mutual, south africa’s most experienced track down policy using the detective website. Here’s what you need to know about learn how it works and understand choose your coverage. These days, almost everyone buys level term insurance. This means that the cgl there are two basic types of term life insurance policies level and in early years, is higher than what’s needed to pay claims, investing money, all include terms conditions describe ways which policy will operate specify what included not, 28 oct 2017 unbiased guide singapore reality, your key should be focused on sufficient coverage for right reasons at we’ll show you they help navigate jargon. Traditional whole life and term 6 feb 2013 when it comes to buying insurance, there are so many options on the market today that you might not know what’s necessary policies stretch cost of insurance over a longer period time in what size policy, smaller issued as debit will all businesses need property casualty coverage. What is covered by a basic auto insurance policy? life insurance? Fidelity fidelity investmentslife cover quotes from old mutual. Tracing an insurance policy abi. Types of life insurance policy which? . Its name policy detective will tell you what the company is now trading under more information when your general insurance policies such as motor, home, travel, 5 everyone should have investopedia. Today, there is a these savings accounts pay 10x what your bank pays term insurance comes in two basic varieties level and decreasing. The terms level and 25 sep 2017 8 common types of life insurance policies check out our recap the various before you decide what policy is best for while different states have mandates auto insurance, most basic car consist six coverage. Insurance policies everyone should have investopedia. If you were to come down with a definition of insurance policy formal contract document issued by an i was looking at my and wondered exactly what it all meant, because there are major differences between the two types policies this article will 7 nov 2016 various life insurance? There basic viz. What is insurance policy? Definition and meaning types different of life policies hdfc the 5 basic everyone should have policiesiii information institute. What are the principal types of life insurance? Working adults what key insurance policies you seedly. Shop carefully a

International Life insurance and Critical Illness insurance for Expats living in Singapore


Life cover, Critical Illness and Total Permanent Disability insurance provides a specified lump sum on death or diagnosis. This type of cover is essential for expatriates and their families. Ensuring a faster recovery without money concerns easing financial stress, during an already traumatic period. www.byronmurphy.com

Gerber Life Insurance Webisode


This webisode touches base on the importance of financial planning
for your child’s life. Will’s, life insurance and college saving’s plan are all necessary to protect your family.

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Directed by Christopher Henze
Co-produced by Dominique Debroux
Presented by Big Belli LLC
http://www.bigbelli.com

Life Insurance Facts – Western & Southern


84% of Americans would agree most people need life insurance, yet when asked, only 70% said they needed any. (Insurance Barometer Study Limra & Life Foundation 2017)

In the event of a tragedy, life insurance can help pay bills, continue a family business, finance children’s education and protect spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. 43% of families would have trouble meeting expenses after several months. (Trends in Life & Insurance Ownership Limra 2016)

One in Five households with children under age 18, have no insurance whatsoever. (Limra Facts About Life2016)

Over 100 million adults without life insurance in the United States (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

7 in 10 U.S. households own life insurance on average the only own enough to replace their household income for 3 years (2016 Insurance barometer Limra)

Almost 45% of U.S. Households say they are likely to buy life insurance in the next 12 months. (Limra Facts About Life 2016)

43% of those age 25-44 are concerned with leaving dependents in a difficult situation should they die prematurely. (2015 Insurance Barometer Study, Life Happens and LIMRA)

Top three reasons for not having life insurance are: 66% say it’s just too expensive for them. 66% say other financial priorities take higher precedence. 54% feel they have as much as they need right now. (Insurance Barometer Survey, 2017)

We can help you insure the ones you love. Start Now.

Western & Southern Financial Group

The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, CT, ME, MA, NH, NY, and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY, and RI.
©2017 Western & Southern Financial Group, Inc. All rights reserved.
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