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Frequently Asked Questions

What’s the best age to buy life insurance?

Honestly, the best time is… yesterday! The younger and healthier you are, life insurance is more affordable, it is because insurers think, “Less risk, less cost.” Waiting until you’re older or have health issues? That’ll bump up the price. Think of it like buying concert tickets early—you lock in a good price and save yourself a headache later!

Does Life Insurance Really work?

Absolutely! Life Insurance is a financial safety net for your loved ones and for yourself. Imagine this: if you weren’t around, or if you are diagnosed with an illness life insurance would help cover things like college tuition, the mortgage, and daily expenses. So, while it might not be fun to think about, it’s actually a generous, smart way to protect your family’s future.

Why do people say ‘cash value’ like it’s a big deal in life insurance?

Cash value is like the secret Tax Free bonus round of life insurance! In certain types of life insurance, like whole life and IUL, your policy grows a stash of cash over time that you can borrow from. It’s like having a hidden piggy bank for emergencies, investments, or just for peace of mind. You pay in, and over time, it builds up a nice cushion for the future.

How much do I need to retire? Like, is there a magic number?

The magic number depends on your dream retirement life! Fancy beach life, world travels, or a cozy home and hobbies? Financial gurus say aim for about 10-12 times your annual income or $1 million as a broad goal. But here’s a pro tip: check out retirement calculators—they’re like online quizzes for adults, helping you see exactly what you’ll need! talk to one of our experts to help you understand your financial independence number.

What’s the difference between life insurance and an annuity?

Great question! the simple answer is: think of life insurance as a superhero for your family if you’re not around anymore—it’s like leaving a financial gift. An annuity, on the other hand, is for you—a retirement friend that pays you a steady income when you’re done with the 9-to-5 grind. Life insurance takes care of you and your family is something happens, annuities provide you with an income for life.

Should I buy an annuity if I already have a 401(k)?

It’s like asking if you should have a snack when you already ate dinner—it depends on your appetite for future cash flow! A 401(k) is a great starter, but an annuity guarantee a paycheck during retirement. With an annuity, you know for sure that income will keep coming, rain or shine. So, if you want extra financial security, it could be a solid choice.