Take a Minute for LIFE

You insure your car. Your home. Even your smartphone.
Isn’t it time to protect what really matters?

Your Family. Your Life. Your Income. Your Retirement.

Life. Constantly changing. Unpredictable. Beautiful, sometimes boring, and frightening at times. You've done well taking care of what's been important in your life. But did you stop to think what's falling through the cracks?

When you get sick, who's paying your bills? If you lose your income, is your retirement still guaranteed? Many don't know how to protect themselves from risks and that's where I come in - in only one minute I can show you how to get some peace of mind. It's time to: Take A Minute for LIFE!

It's gonna be easy, I promise. Besides, you can do almost anything for a minute. Even hold your breath. But hey - you don’t actually have to hold your breath in fear of all the risks in life. This is about peace of mind, and a plan that lets you relax, exhale, knowing your family and finances are protected.

Thinking about tomorrow doesn't have to take a lot of time, so let's just settle for one minute. Here we are, half of it has passed already. Just like life, if you think of it. Time flies, that's why we prepare.

Good thing that peace of mind can be purchased. You can eliminate the worry of risk or financial loss, for a small contribution or premium. Take that smartphone insurance for example: "Lost your phone? Here's money for a new one." How about do the same for: "Lost your income or your spouse? Here's how you can pay the bills...". Life insurance with its living benefits has saved many families from financial disaster.

Imagine your family having to deal with life without your help, without your paycheck. Can the bills get paid?

And I’m not just talking about death. What if you survive that accident or illness? Who pays the bills then? There's an easy, safe way to guarantee that your mortgage, groceries, utilities - even out-of-pocket medical expenses, long-term care - are covered when life takes a turn.

My #1 advice from 20 years as a broker: Make sure your life insurance pays you too - not just your beneficiaries.

DID YOU KNOW: You can get all your premiums back if you outlive your policy? Ask about the Refund of Premium (R.O.P.) rider. A small extra cost guarantees a full refund of what you paid in - after 10, 20, or 30 years.

Sure, you could invest that extra money. But here’s the real question: Can your investment account pay your bills before retirement?

Let’s say you lose your job - or get sidelined by a critical illness. Will your 401(k) keep the lights on? Will your Roth IRA buy groceries this month?

This is where a powerful financial tool comes in: TFRA - Tax-Free Retirement Account.

It’s not a government-sponsored plan. It’s a special setup using a properly structured cash-value life insurance policy. It grows tax-advantaged. You can access funds before age 59½. And when designed right, it provides tax-free income you can use anytime - for anything.

Explore more: What is a TFRA and How Does It Work?

TO DO: Ask about living benefits that come with the new generation of life insurance policies:

Use your cash value. It’s YOUR money.

"Life insurance wasn’t designed to make anyone rich - but to keep them from becoming poor."

Most people think of life insurance as something you only use when you die. But the truth is, the right policy - especially one with living benefits — is about helping you live better, with less stress, more options, and a stronger financial foundation.

Prepare for the "what if" so you're not left with "what now." You’re doing everything right - saving for retirement, paying down debt, providing for your family. But then, life happens:

What now? Where is the money going to come from?

A properly designed life insurance with living benefits can be your answer. It can deliver money when your paycheck stops, supplement income when markets are down, and give you tax-free access to cash when opportunity or crisis strikes.

This is about protecting your income, your lifestyle, and your legacy. It's about having a financial vehicle that adjusts with your life — and gives back when you need it most.

You don’t have to choose between protection and opportunity. You can have both. You just need to work with someone who knows how to structure it right. That’s what I do.

It's all done with life insurance. Let's take a minute to set you up for life.

It Only Takes a Minute.

See if you qualify for a plan with living benefits, premium refunds, or tax-free retirement options.

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