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First of all, FAQ stands for frequently asked questions and we just wanted you to know all the types of questions that we get and we want you to have all the information you need in order to make the best decision for you and your family moving forward.

1. I don’t believe in life insurance? …Does your employer provide group life insurance? Who have you named as your beneficiary on that plan? So, you have that plan because it is FREE. The real reason here is that you don’t believe in life insurance, but that you don’t believe in paying for it! Might that be the case?
2. I don’t want to benefit from my spouse’s death!… You see, your spouse plays a role in your relationship. Whether they take care of the house or is the one that bring in the money to pay the bills. When you strip aside the emotion you can use the financial loss that will follow their death. You know your love one would want you to continue to live a good life and be happy. But love can’t pay the bills…you need money to hire a house keeper or money to pay the bills that need to be paid to continue living in the same style you become a custom too.
3. I don’t need insurance!…why do we as people continue to put ourselves as last on the list. You insure your car, house, jewelry and many other things in life but you none of those things would be needed if you were not here! The most important asset is sitting in your clothes right now and that is you! No one or nothing can replace you but life insurance is just a way to try to provide the financial piece that you provided while living.
4. I have too much life insurance already!…I know it sometimes seems that way but it takes $1,000,000 invested at 8% to earn about as much as you do in a year. Let’s guarantee at least part of your income for your family to use!
5. I’m single and I don’t need life insurance!…That’s right – just as you didn’t think you needed an education while your were going through school. You secured it for the future, just as you will want to have life insurance for the future. Think of it as your personal retirement plan that can provide an income for life once you retire.
6. I won’t need insurance past age 65! …Do you remember the day you got married? Do you remember the promise to love, honor and cherish, in sickness and in health, till death do you part? did you call for time out and insert the words…”until age 65″ instead? Insurance should last as long as the promises you make in front of God!
7. I’m not going to retire!…You very well may not intend to and if you are doing what you love to do, why should you? But things have a habit of changing. There’s nothing more certain than change, and a healthy retirement fund will give you the option to retire.
8. I have insurance through my employer!…Do you have a written agreement with your employer that your life insurance coverage will always be maintained even if you leave or if you are laid off? What happens if you change jobs and you are no longer insured? That is why everyone needs to have their own personal plan.
9. I don’t need insurance because my spouse will inherit the business when I die!…That’s true, but would you want me to advise your widow to invest in a business which just lost its chief executive?
10. My spouse will run the business!…How often do they come into the office? Let’s get them down here now, 3 – 4 days a week so they can learn your business. Are you kidding me? Have them come in every day…my partner will quit!
11. My business is my retirement fund!…I know it is and you will sell it later to live on. But that will depend on your being in good health. Look at it this way, a retirement fund is a tax-favored investment for your future benefit. If you have one at the time you decide to sell to fall back on, it gives you the option of how and when you will sell the business.
12. I’m already wealthy. You don’t need to sell me more money!…You see the problem with your estate is that your largest asset is your business. The business has been producing substantial income for you and your wife annually, but when you pass it to your children two things happen: first your wife’s source of income is immediately shut down and second, there will ultimately be death taxes due.
13. I’ll take care of this later!…Never put off for tomorrow that you can do today! There are just some things in life which do not offer a second chance. For instance, if you are distracted while you are driving, jump the curb, and run over someone on the sidewalk, it is too late to purchase liability insurance. All the financial things you want to accomplish in life need to be done in some order of priority. However, in order to earn the right to start investing for your future, you need to make yourself “bullet-proof” from the things that could happen to you without a second chance. That includes adequate medical, automobile, liability, disability and life insurance. Don’t you agree that you need to get some coverage going that will give you permission to do the other things you desire?
14. I’ve got plenty of time to plan!…Yes, you’re right. However, with all the medical breakthroughs people are living to be age 100 and more. So, if you retire at age 65 that means you will need enough money to last about 35 years. With the prices of everything going up you will have to save enough in order to live comfortably. It’s like coming to work knowing that you have to keep yourself for two weeks on one week’s income. That means planning and the planning needs to start NOW!
15. I have a financial planner and an accountant who are taking good care of me!…How do you know they are taking good care of you? The fact that your financial planners are only fulfilling your needs and financial objectives. They are not giving you what you really deserve, that is to meet your full financial potential, perhaps millions of dollars more, over and above your present plan! Think about it….it’s easy! We look beyond what your stated needs and goals are and then design a program to give you the maximum potential. If that is accomplished, then all your needs and goals are met, plus more!
16. People say to me, “Any investment has a better return than the cash value life insurance plan!…Life insurance never has been and never will be an investment. Life insurance is a savings program that offers compounding interest. Savings and investments are similar words but the difference between a similar word and the right word is the difference between lightning and lightning bug!
17. Term is cheaper isn’t it?…Yes, I also hear that buying term insurance and investing the difference is a smart thing to do, but do you ever wonder why the richest people and high executives of major corporations, who have the advice of the smartest accountants and lawyers available, buy large amounts of permanent life insurance?
18. But there is NO equity in the first year or two!…Well, of course…Do you know why? Because if you died in the first two years, I am sure that you would not really expect merely a full refund of the premiums you paid in, but rather you would want full payment of the proceeds of the policy!
19. I’m not sure I want to put money into the insurance industry!…The life insurance industry is stronger and healthier than any other segment of the economy, with the exception of the U.S. Government. There have been a few poorly managed situations within the last few years, but as a whole, the life insurance industry is stable, conservative, well-diversified, and well-positioned for growth in the future!
20. I can’t draw my money out of a life insurance policy as easily as I can from a bank saving account!…You’re absolutely correct! But that’s the main flaw of a bank savings account. It’s too easy to take the money out and too difficult to keep it saved. Isn’t that the whole problem?
21. I can’t afford it!…In life we often find the money for the things we want and need. The same is true with insurance because this is something that everyone needs. There is a difference, however, between paying taxes and paying the premium. When you pay the taxes, the money is gone but when you pay the premium those dollars are saved for you and they are providing protection for your future!