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Life Insurance: Protect Those That Matter To You Most.

If you think about it for a minute, you insure everything that's significant in your life; why not protecting your family and insure yourself? Life insurance provides you peace of mind and can provide your family with financial stability and security when it matters most.

Protecting Your Family:
By preparing in advance, you'll have the peace of mind that comes from knowing you're protecting your family's financial future. And since Life insurance benefits are generally not taxable at the federal level**, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

Any needs after the time of death, such as final illness expenses, burial costs and estate taxes. Funds for a readjustment period, to finance a move, or to provide time for family members to find a job. Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

Protecting your business:
If you're a business owner or have business partners, it's important to prepare for the unexpected. Several Life insurance products that are designed to help you, as a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management, or to help provide funds in order to execute a buy-sell agreement between partners or stockholders.**

Learn more about how Life insurance can benefit you and your loved ones or beneficiaries.

Products and features may not be available in all states

You should consult your attorney, accountant, or tax advisor for legal or tax advice.

How much life insurance do I need? The rule of thumb:
A death benefit should be seven times your gross annual income, if your family is completely dependent on you. (If you have young children, some experts suggest raising that to nine times your annual income.) If you have a mortgage on your home, you may need to raise the amount. It is also important to make sure your spouse has appropriate coverage, whether he or she is a homemaker, or brings additional income into your home.

What Kind of Life Insurance?
Evaluating which type of life insurance to purchase can be difficult. There are several types — and it pays to understand the differences before you buy. The most familiar types of insurance today are term insurance, straight (or whole) life insurance, and universal life. Take a look below for more information.

To calculate how much protection you need and what kind of Life Insurance for quotes and applications Please e mail or call me.

Term Life Insurance:
Term Insurance is cheap and easy to understand. Term life insurance coverage has no "cash value," which means you buy only the death benefit It has no savings accumulate in the policy. Term Insurance

Term policies are issued for a period of years, 10 -20 or 30 years after which the insurance coverage can be renewed at a higher rate.

The older you get the more expensive the premium becomes.

Term insurance can work well for younger families because it allows them to purchase substantial coverage at a time when other life insurance products may be too costly.

Return of Premium (ROP) Life Insurance
Imagine getting a money-back guarantee on your Term Life Insurance: Your family receives a lump sum of money if you die, but if you live the company returns all of your premiums!

Such a product now exists and is just one of the innovative solutions coming your way from some of the best insurers in the business. It’s called Return of Premium (ROP) and its aimed right at one of the greatest consumer objections to pure life insurance: "I’m probably not going to die, and my money will have been wasted."

Before this innovation, life insurance was available in two forms: Term Insurance and Cash Value Insurance.

Term Insurance is cheap and easy to understand (which explains its proliferation on the Internet today). With Level Term Insurance, you know exactly what the premiums will be for a fixed number of years. It’s very affordable life insurance protection, but you get nothing if you outlive the policy.

Cash Value Insurance, on the other hand, includes pure insurance coverage – guaranteed renewable for your whole life – along with an investment component to build cash value. Building cash value, however, means paying higher premiums. While an unused term policy can feel like a waste, a cash value policy can often cost two or three times as much for the same coverage.

Return of Premium (ROP) Term is an elegant and effective new solution that splits the problem up the middle. It starts out like Term Life Insurance with one extra promise from the insurer: If you pay your premiums and you live, we’ll give you your money back. On a typical 20 year Level Term Life Insurance policy the ROP feature could cost about 30% more, but that extra premium will effectively earn you a 6-7% return over the 20 years -– just enough to earn you back everything you’ve paid in. What’s in it for the carrier ROP guarantees that lots of customers stay for the full 20. And, for those that don’t, the carrier made an extra 30% on those guys -– and used some of it to pay you a solid return on your money. So if you know that you are going to be insured for the long haul, then think about tossing in a few extra dollars and getting it all back in the end.

Whole Life Insurance:
Whole life offers a specified death benefit with an unchanging premium. You select the size (face amount/death benefit) of your policy, then premiums are calculated using your age at the time of purchase. The younger you are, the lower your annual premium. You pay the same amount throughout your life. Your beneficiary receives the "face amount" upon your death. Whole life insurance has a higher initial premium requirement than term life insurance.

In addition to insurance protection, whole life also has a saving feature. Part of your premium payment earns a fixed rate of interest over time. As the years continue, your savings grow from your payments and earned interest. This growth is known as your policy's "cash value." If you decide to cancel (cash surrender) your policy, you can receive the cash value as a lump sum. In contrast, if you cancel term life insurance you have nothing. You can also borrow against the cash value of your whole life insurance policy. But, an outstanding policy loan will reduce the benefit your family would receive in the event of your death.

Universal Life:
Universal life is like whole life in that it allows you to accumulate a cash value in addition to providing insurance protection. With universal life you have the flexibility to increase or decrease the amount of coverage and vary your premium payments. You may even be able to skip premium payments. You may cancel your policy and receive your cash value or borrow against it. You may also be able to take partial withdrawals. The interest paid on the cash value is set by the insurance company. (The interest rate is set for a period of time with a guaranteed minimum interest rate.) The flexibility of universal life allows you to adjust your policy to accommodate your changing needs.

Survivorship Life Insurance
Survivorship (second-to-die) life insurance insures two people and pays the death benefit when both have died. It is used primarily for wealth protection

Variable Life Insurance
Variable life insurance offers a choice of death benefit options and a potential to accumulate non-guaranteed tax-deferred cash value that fluctuates based on the performance of underlying investment options that you choose.

To calculate how much protection you need, what kind of Life Insurance and for quotes and applications. Please e mail or call me.


Moti Gur is a Registered Representative with and securities offered through Financial Network Investment Corp and Cetera Adviser Networks LLC.
A registered broker/dealer, Investment advisor and member FINRA/ SIPC
3807 Wilshire Blvd, Suite 1040 Los Angeles, CA 90010 213-385-6237

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