The largest asset that almost every American family has isn't their house, car, or their business, it's their future income. This is the income that your family will benefit from over the next 20, 30, or 40 years. This money is what your loved ones are depending on to pay the mortgage, the car note, the utilities, house hold expenses, college educations, medical needs, maintain your standard of living in retirement, and finally to pay for your funeral expenses once you die.
Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals. Our goal is to show you how to take ownership of your financial future. You can make your retirement savings soar - by having your money work harder for you, without you having to work harder for your money. Discover a new route that will lead you beyond, just getting by - toward a better life of wealth, comfort, and abundance.
Sunday, February 13, 2011
Saturday, February 12, 2011
Guaranteed Income for Life
Stretch your retirement savings with an annuity.
Retirees who watched in horror as their account balances plunged along with the stock market now face a new challenge: how to generate enough income to pay their bills.
Retirees who watched in horror as their account balances plunged along with the stock market now face a new challenge: how to generate enough income to pay their bills.
Thursday, February 10, 2011
Why Living Benefits Need To Be Part Of Your Financial Plan
Most people know life insurance can provide financial security and continuity during one of life's most difficult times: the death of a loved one. What few people know is that life insurance can also help during another one of life's most difficult times: a chronic, critical or terminal illness. This help comes in the form of optional riders called Accelerated Death Benefit Riders, also generically known as Living Benefits, which can be added at no additional cost.
The following story illustrates just what Living Benefits can do.
The following story illustrates just what Living Benefits can do.
Sylvia1 was only 50 years old when she was diagnosed with Multiple Sclerosis. With medication, she was able to effectively manage her symptoms for a few years. Then, her disease progressed, first cutting her daily walks with her golden retriever short, then eliminating them altogether and bringing her to a point where she spent her days in her wheelchair.
Wednesday, February 2, 2011
How Much Life Insurance Do You Need?
Difficult investment and job markets are rough on savings and retirement planning. They sometimes complicate the issue of how much life insurance is right for you and your family and what kind you should buy.
Standard formulas -- such as buying coverage equal to eight to ten times your annual income -- are inadequate shortcuts. The truth is that life insurance is a personal affair. Two couples may earn equal salaries, but it’s silly to say that someone with four young children should have the same coverage as empty nesters with no mortgage and a substantial retirement fund.
Standard formulas -- such as buying coverage equal to eight to ten times your annual income -- are inadequate shortcuts. The truth is that life insurance is a personal affair. Two couples may earn equal salaries, but it’s silly to say that someone with four young children should have the same coverage as empty nesters with no mortgage and a substantial retirement fund.
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