Life insurance is different than
any other financial product. You get special tax treatment… You get leverage…
You get a lot of things, but you just can’t go out and buy it.
But best part of Life Insurance is not taxes
or investment related. It is the glue that keeps a family strong. From
generation to generation… You can make your branch of the family tree secure. You
can keep the family business going.
With Life Insurance, you can leave an
inheritance to the next generation and spend all of your retirement and
investment accounts enjoying your retirement.
It’s a win-win.
Imagine what you could have done with just a
little “leg up” so to speak. That great business idea you had, but just because
you didn’t have an extra $100k of cash in the bank, someone else got that
million Dollar business idea.
Or how about having College paid for so you
did not have to start out life as a debt slave with all your cash flow going to
debt service, instead of building your investment and retirement accounts…
But you can be the one to break the chain.
Your kids and grandkids will know it was you who stepped up to break the
chain.
What about right now? You can use life
insurance planning for right now. Today it takes both incomes to make ends
meet… or one person has to sacrifice income for time to take care of the kids
and household.
If one spouse is taken out of the picture by
accident or illness, then what is the surviving spouse to do without the income
or the time? What if you are a single parent?
Life insurance can’t replace the person, but
it can replace the income needed to take care of the family and/or kids and buy
some time for your loved ones.
You can still be there for your spouse and
they can still be there for you, even if life interrupts your plans with an
accident or illness.
Not only do you need life insurance to
protect your income in your working years, but also in retirement. If you have
permanent life insurance, you can spend down your retirement assets and enjoy
life together, and then when one spouse passes, the Life insurance will give
the surviving spouse the cash needed to go on.
Historically, because the insurance company
is literally insuring your life, they
have had a medical check up for term insurance.
If you wanted a term policy without medical
tests, you would have to be looking at the old “burial policies”. These were
small amounts, with 2 year exclusions and very expensive… because the insurance
company had no idea if you were about to die.
LifeInsurance-MadeClear.Net is a start up
based in Austin Texas, Licensed in Texas and California. We are changing the
way America buys life insurance. Some call it a Robo-Advisory; we call it life
insurance on your schedule.
One of the most important areas is low cost
life insurance, no medical exam.
The old way was complicated.
And it hurt.
Then the Lab had to examine everything,
certify it and send it to the Underwriters at the Life Insurance company… which
took more time.
All just to buy “Life Plan Insurance”. After
all, that is the idea. That your life plan will go on for the people you love. If
a person doesn’t care about anybody or anything, then they don’t need life
insurance. They don’t even care about themselves because you can use life
insurance for long-term care too, but that is a story for another day.
But if you do love a wife, a husband, a
child, a church, a charity, an employee, a tree, a dog, a horse or even your
own self, any or all of the above… or if you plan to love some one some day, then life insurance is for you.
What is really needed is term insurance
without medical check up. This also solves another problem in America with the
aging baby boomers- Over 50 life insurance no medical exam and over 50 life
insurance immediate cover.
Because the traditional way to buy life
insurance took so very long to get your coverage in force with all the medical
examinations, blood work, lab work and underwriting.
Introducing AUTOMATED UNDERWRITING.
A term plan without medical
testing needed… basically you can now buy life insurance online, no exam.
We still have to take an application with a human
advisor, which really just gives you a chance to ask questions of a licensed life
insurance advisor. Simply push a button to schedule your application and
everything else is automated.
You could have an Offer for life insurance,
no medical exam needed in as little a 3 hours after your application… and
coverage that very same day with electronic signatures and payment processing.
Schedule your application as soon as you want
to add up to $500,000 to your balance sheet with your own automated
underwriting life insurance policy.
Life
Insurance Made Clear is giving you the digital keys to unlock your life plan.
If you are not in Texas or
California, please email us so we know which state to expand to next. We have
limited resources as a start-up. So the state with the most emails with their
state in the subject line is next up in the Life Insurance-Made Clear hit
parade.
(Not a solicitation for business, this is a
popularity contest.)
Info@LifeInsurance-MadeClear.net