Things to do during Quarantine and Chill

Nothing to do when you’re bored and locked-up in your house due to the virus fears? Working from home is helping you stay away from potential infection but now you’re bored out of your mind? Netflix has nothing good and you played all the board games already? 

Maybe it’s time to give some thought and review your family protection plan: is your life insurance up to date? Are you paying too much? What’s your health insurance deductible and how can you decrease your out-of-pocket spending if you get sick? Is your sick-pay plan covering short-term illnesses and long-term periods of inability to work?

Protecting yourself and your family with LIFE INSURANCE.
Call me to get the LOWEST RATES and update your family’s protection – for some plans it only takes a phone call and an email to get approved – no exam, no blood testing, don’t need to leave your house or meet with an agent or mail an application. The whole process can take about 20 minutes and some plans have instant approval. If you don’t want a printed policy in the mail, you can have your policy delivered electronically (online download or email). 

Call me at 239-LIFE-GUY or Daniel@LifeGuy.com


Be safe and take care of yourself and your family!

Adulting: Do you really need insurance in your twenties?

You’re in your twenties, but you still feel like you’re not really ready for this adulting thing? Still, that’s no excuse to being irresponsible and risking your future financial freedom by ignoring the need to protect yourself through adequate insurance.

 

Health Insurance

You’re probably off your parents’ health insurance, so you need to start shopping for your own plan. Not all employers offer health insurance benefits, especially if you’re working part-time or as an intern, but you can still find affordable options as an individual, or even as self-employed entrepreneur. HEALTH PLANS start at $17/month.

 

Life Insurance

One of the biggest mistakes most young people do regarding their financial protection is ignoring their future needs for life insurance, since they typically don’t yet have dependents or families to take care of. The cost of waiting to purchase life insurance until later can be influenced in the future by higher age, decreasing health, potential of contracting certain illnesses that can even deem them uninsurable. What most fail to realize is that you can lock-in very low rates for life insurance that could stay low for decades or even lifetime, until the need arises when you have a mortgage, children or even dependent elderly parents. Rates start as low as $7/month for $50,000 benefit. 

 

Cancer and Critical Illness Insurance

Don’t look up what your chances are of getting cancer or a heart attack during your lifetime. Oh, you did? Scary, right? We live in a time when we do expect to live longer due to improved healthcare and advances in science , but we now have more time and chances to contract a debilitating illness like cancer, heart attack or stroke. If that happens, it usually wreaks havoc financially not just health wise. A critical illness insurance plan will pay you a lump sum benefit (from $10,000 to possible $500,000) at first diagnosis of a critical illness like cancer, heart attack, stroke, or many other debilitating illnesses. These plans start at only $15/mo. and offer funds that can be used for any purpose the insured needs, like trying alternative treatments, cover the income lost due to illness, or simply take a vacation while recovering from the illness.

 

Disability Insurance

What’s your future lifetime income potential? A person earning an average of $50K per year can expect to collect about $2,000,000 in income over a working lifetime before retirement. For most of us, our ability to earn future income is our largest asset.

Many don’t think they can protect their ability to earn an income unless they work for an employer that offers Short-Term Disability and Long-Term Disability insurance. For decades now the INDIVIDUAL Disability Insurance market has developed, many insurers offering INCOME PROTECTION in case you are sick or injured and can’t work full-time in your occupation. Yes, even if you can still work part of the time, or can work in another job but not the one you were working at the time you got sick/injured, you can still get compensated for the portion of lost income due to illness.

Disability insurance policies are designed to protect your specialty, for example a surgeon that injures his thumb to the point of being unable to perform surgery, but can choose to work as a general physician instead, will potentially suffer a loss of income due to the thumb injury and will qualify to receive a supplemental income in the form of a monthly benefit from a disability insurance policy.

Even if you change jobs, an individual Disability Insurance policy moves with you, covering you at the new job or specialty.

If you were offered two similar jobs, one of which does not offer any disability coverage, but the other pays you $1,000 less per year however if you get sick you still receive 65% of income, which job would you take?  So even if your job does not offer disability insurance, it makes sense to get an individual plan and protect yourself in case of job loss due to injuries or illnesses. Disability insurance can cost as low as $18/month.

 

Long-Term Care and Life coverage for your parents

Yes, YOU can take insurance on your parents, if they’re not educated enough about the need or existence of these financial protection options. As a child of elderly parents, there is an insurable interest and need for protection to cover certain risks like: inheriting an unexpected mortgage that you can’t afford, or taking care of medical expenses for elderly parents. Low rates available – ask our experienced advisors for a quick quote.

 

Adulting is hard. We can help with some of the responsibilities to protect your future.

Insurance@LifeGuy.com   or  (239) 466-4466

 

 

Financial stress relief plan for those who count on you

Are you ever worried about the next paycheck, about putting food on the table, keeping a roof over your head? Poor planning for unexpected illnesses or accidents can cause real financial disasters that could impact your life and can change your future family plans.

You can help you get PEACE OF MIND in three easy steps:

  • start a BUDGET – know where your money’s going.
  • Protect your INCOME – make sure you have a continuous source of income, no matter what happens with your health in the future.
  • Protect your FAMILY – life insurance for the worst case scenario, if your family needs a replacement of your income in case of untimely death.

Start your “Financial Stress Relief Plan” today!

 

Call 239-466-4466 or email Daniel@LifeGuy.com

 

 

“Ashes to Vinyl”, your last mixtape – Coffee with LifeGuy

First, there was the simple urn. Then, we figured how to turn ashes to diamonds. Now, a new company is creating vinyl records from the ashes of loved ones to help them “live on from beyond the groove”.

The only question is: what will YOU want your final record to play? Maybe your favorite song(s)? Maybe a recording of your voice? Some advice you’d like to leave to your loved ones? Or, just telling them you loved them.

The task of pressing the ashes of a loved one in vinyl comes at a pretty steep cost: starting at $4,300 US dollars. (let us show you how to pay for it!)

Regardless what you’ll want played on your last record, we’ll help you pay for it – get LIFE INSURANCE to cover your final wishes and expenses and help your family go on without your income.

$100,000 Life insurance from $9

Do you understand your insurance policy? Coffee with LifeGuy

Have a coffee with the LifeGuy and discuss your insurance policy.

 

Understand your insurance coverage and know the benefits, limitations, exclusions and coverage gaps in your insurance policy.

  • Life insurance
  • Health insurance, vision & dental
  • Medicare insurance
  • Accident insurance
  • Disability insurance
  • Cancer & Critical Illness insurance

Do you have the right coverage for you? Are you under-insured? Over-insured? Paying too much? Talk to the LifeGuy in a no-pressure environment over a coffee or tea, no obligation to purchase anything.

 

Daniel “LifeGuy Dragan

239-466-4466

Daniel@LifeGuy.com