Protecting What's Most Important
If a child, a spouse, a life partner or parent depends on you and your income, you need life insurance. Suze Orman
No matter your stage in life, we have tools to help you achieve your goals, and protect what you care about:
As a homeowner, being able to pay your mortgage on time every month is important. What would happen to your loved ones if you were to die prematurely, become disabled or critically ill, and your income suddenly disappeared? Would they be able to pay off the mortgage without difficulty and stay in their home? If your answer to that question is "No" or "I'm not sure", you owe it to yourself and to your family to consider purchasing mortgage protection insurance.
Mortgage Protection Insurance is just what it sounds like: life insurance designed to pay off your mortgage in the event of your death. Additionally, the newer policies offer additional benefits in addition to the payment if you would die. Ask us about the options available.
Planning for retirement, whether that's five years away or 25 years down the road, is something each of us needs to do. Making smart choices about how much money you save, and what retirement planning savings vehicles you use, can mean the difference between having the income you need in retirement to live the lifestyle you want, or struggling financially.
There is no one-size-fits-all solution when it comes to saving for retirement, but if you prefer a product that offers safety and guarantees, you may want to consider the retirement protection benefits offered by annuity products and indexed universal life (IUL) insurance policies.
Every parent wants their children to have the very best start in life. When it comes to how to make that goal a reality, parents should consider the SmartStart plan, offered through Symmetry Financial Group. This program gives your child a head start on saving for their college education, the down payment of their first home, and even their retirement, all while giving them the protection of life insurance, which is certainly a smart start.
The SmartStart plan is a way to help you set aside funds to protect your child's future while protecting their insurability, regardless of what happens later in life. Smart Start is a life insurance policy that provides insurance coverage for your child, coupled with a cash value savings component.
When you think of your assets, you probably think of tangible things like your home, car and retirement account. But, what about your ability to earn a living? At Symmetry Financial Group, we believe one of your biggest assets isn't anything you can touch or feel; it's your ability to work. If you're like a majority of Americans, it would be difficult, if not impossible, to continue meeting your monthly obligations if you were to become injured or ill and could no longer work.
Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.
Let's talk about the options available and what you would qualify to receive.
Why is getting life insurance now, while you have No or Few medical problems is important.
One of our team members alone has been impacted by Diabetes, Auto Accident, Pedestrian Accident, and all before the age of 43. Unfortunately, most specifically, being diagnosed with diabetes in their 30's, limits the type/face value of insurance available. Looking at the information provided through the National Safety Council site injury facts and the American Heart Association or any health reporting agency, the odds of chronic illness or debilitating injury impacting the ability to get insurance in the future and the cost should make it easier to make the call now vs. later.
Wanting the best for our loved ones shouldn't stop. Consider the impact you can have if you prepare for the unforseen. Spouses that don't have to move from their home. Children who can complete college. A home prepared for sale including, cleaning out garages, closets, and managing pets. Being able to have a proper burial, and take care of the details is a gift of a lifetime for a grieving family.
Suze Ormon presents very interesting information in this article from AARP. It's worth the read.
Having personal experience on our team, we are advocates of careful planning.