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Safeguarding Life's Value
Fact is, some people call erroneously it “death insurance”. You’re not protecting someone’s death, rather you are protecting the value of someone’s life, hence “life insurance” or “home or auto insurance”. You are protecting the asset, not the calamity. Generally, life insurance is divided into 2 categories
01
Term Life Insurance
1: Term life where you are just paying for the cost of the insurance
02
Permanent Life Insurance
2: Cash value plans that build up a savings or investment element along with the life coverage in one policy. There are pros and cons to each.
Note:
The Life Insurance and Annuity business has been around for 150 plus years. We’ve seen a wide array of products over our 30 years and can help you navigate any situation.
Jay Weinstein,Founder & CEO of Life Insurance Free Checkup
Jay Weinstein, Founder & CEO of Qetus
Age & Life Insurance
As you age, each year the cost of your life insurance goes up. Whether the insurance company sends you a bill for a higher premium or they take the extra premium from your cash values, they still need more premium to keep the policy in-force, so that you have your coverage intact. This is true for term or cash value plans as well.
Future Considerations
If you have term life where there are no cash values, the rate may be locked in for 10, 15 or 20 years. The longer the lock-in the higher the pricing as there is a greater chance of the insurance carrier paying out a death benefit. However, at the end of that period the policy will “price you away” from keeping it, with a huge increase once that term is completed.
Flexible Term Life Insurance
If you have “annual renewable term” that means your rate will most likely increase each year. You may also have a decreasing term to protect the mortgage, for example, where the death benefit decreases commensurate with the lower mortgage that is owed.
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There are many other product designs with different insurance carriers
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Exploring Diverse Insurance Solutions
There are many other product designs with different insurance carriers.
01
Tax-Free Benefits
Life Insurance Supports Your Loved Ones. Life insurance benefits are generally paid tax-free to your named beneficiary. Also, if you name your spouse or a child (or children), the death benefit would most likely NOT go through probate (the court system) and would be paid directly to your named beneficiaries. Some policies offer long-term care coverage where you can use the death benefit to pay for LTC.
02
Sustainable Retirement Income
Annuities are most useful for people that want sustained income in retirement. There are many types of annuities and they are sold under different scenarios. Yet the main purpose of an annuity is to receive lifelong income, similar to a Defined Pension Plan, where it can also be increased to offset inflation.
Coverage for You
Reviewing your life insurance plan is essential for both you and your spouse. Because of the many types of life insurance plans that are offered by the 100s of insurance companies, there is a lot of confusion out in the marketplace. When you add in the fact there are high agent turnover rates in the agencies and poor tracing of what was sold to whom, things can go awry when it comes to really understanding what you have - and what your alternatives are.
Struggling Policies
We’ve seen many policies that have had loans against the cash values and were about to collapse and be non- voluntarily surrendered. Upon research, we were able to instruct the insurance carrier to handle things differently internally so that the policy could remain in force for a much longer time, without any cost.
Reviewing your annuities (if you have any) is also essential for both you and your spouse.
…for many of the same reasons above.
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Customers Experience
Retired from The Permanente Medical Group
- Leila E, MD “Jay is a terrific fellow to work with. He's knowledgeable and shares that knowledge in an understandable way. I worked with him as I transitioned from full time work to retiree status.. I was presented with options to maximize my 'retiree' streams of income, but never pressured and we built a great plan for myself and my 2 daughters. I appreciate his guidance and highly recommend him!”
Virtual Treatment practice, Peter is Jay’s client
-Peter Yellin, CEO - MD (retired) “Jay's retirement analysis service did a nice job of projecting out what my tax picture would look like, where I was headed was headed with income scenarios, taxes, fees and other expenses. It was an eye opener...there's a lot to it. I have a good chunk in my Profit Sharing and 401ks, and always wondered how that's gonna shake out with the government.”
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We really have one purpose, and that is to make sure that your insurance and annuity plans will be there when you really need them. Let us do the research. We understand the insurance jargon and the options that you may have for your best choices.
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We know the questions to ask to make sure there are no, or little taxes owed, and that the benefits will be there when you need them.
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When it comes to something as important as life insurance and annuities, and the benefits they provide you don’t want any rude surprises. Often they can come when it’s too late and nothing can be done.
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