Permanent Life Insurance

 Permanent Life Insurance Has Real Benefits

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When you are young, you are offered perfectly sound advice on a wide variety of topics, which you often ignore. One piece of advice that shouldn’t be ignored is the suggestion to consider purchasing a permanent life insurance policy early in your working life, while you’re young and healthy.

Too many young Americans see life insurance as a death benefit only, and fail to consider the advantages and complete value that it can provide. Permanent life insurance provides valuable death benefit protection but also builds cash value that policyholders can use to pay for college, make a down payment on a home or serve as an important source of income for any other purpose throughout their life.

The difference in benefits when purchasing a permanent life insurance policy at 25, versus age 40, is eye-opening.

A 25-year-old female paying a little more than $180 per month in a Flexible Choice Whole Life insurance policy will build more than $29,000 in guaranteed cash value by age 40, and by age 65, the guaranteed cash value would grow to $120,600, with a guaranteed death benefit of $300,000.

If this female were to wait until age 40 to make the same monthly payment in a Flexible Choice Whole Life policy, she would have just over $53,000 in guaranteed cash value at age 65, with a death benefit of $161,000. (Nearly half of the amount that could be available if she were to make the purchase at age 25.)

A financial professional will tailor a plan to fit your own financial goals, and demonstrate how permanent life insurance fits within a sound financial plan.

To learn more about the real benefits of a financial plan that includes permanent life insurance, and the advantages to starting today, visit

1. Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values.

2. Assumptions: 25-year-old female, preferred plus non-tobacco, $183 monthly premium, $300,000 death benefit.

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3. Assumptions: 40-year-old female, preferred plus non-tobacco, $183 monthly premium, $161,503 death benefit. Assumes only a minor decline in health rating. Additional change in health would result in higher premium or inability to obtain coverage.

Minimize Retirement Risk With Permanent Life Insurance

With persistent economic uncertainty, retirement worries plague many Americans. Instead of dreaming about their golden years, workers may be haunted by the possibility of a retirement where the idea of not having enough money may not be hyperbole. Consumers are looking to diminish risk and take control. A financial professional will tailor a plan to fit an individual’s own financial goals, but permanent life insurance should be a part of any diversified retirement strategy and can offer security and growth for those with a number of working years ahead.
Permanent life insurance offers death protection as well as the potential for cash value accumulation, which can be an important source of retirement income. As the value of a permanent policy grows tax deferred over time, the cash may be used for any purpose. This kind of life insurance offers a measure of flexibility that enables consumers to make choices and better manage their financial lives and can augment other income sources like Social Security, 401k savings or pensions for those lucky enough to have them.The income stream from a permanent life insurance policy may also help cover the "gap years," which fall between retirement and the age when Medicare and Social Security benefits begin.

Most retirees will need the guidance of a financial professional to determine the best use of resources during the gap period and throughout retirement. However, consumers should know that a permanent insurance policy could be the difference between retirement at an age you desire instead of when Social Security and qualified plan distributions start. This additional resource may also enable a retiree to delay the start of Social Security payments, which will ultimately deliver larger monthly sums over time.

In addition to assisting with bridging the gap years, a permanent insurance policy may help cover unexpected or planned expenses from healthcare costs, to paying for a grandchild’s college education, to contributing to the start-up of a family business. No matter how permanent insurance is ultimately used, if structured properly, a policy can provide an income tax- and estate tax-free death benefit. Retirees can then spend their retirement income knowing they will still leave a legacy to their children or a favorite charity.

To learn more about how to leave a legacy and strengthen your retirement plan with permanent life insurance, please visit

Accessing cash values may result in surrender fees and charges, may recquire additional premium payments to maintain coverage, and will reduce the death benefit and policy values.


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