Jump to content

Recent Topics Recent Topics

Photo

Life Insurance


  • You cannot start a new topic
  • Please log in to reply
2 replies to this topic

#1 Kenneth

Kenneth

    Member

  • +PC BIZ Member
  • PipPip
  • 5 posts

Posted 24 August 2010 - 04:13 PM

KES_Logo.png
Life Insurance is the foundation to any financial plan. You can not set your goals without knowing that your loved ones will be financial sound if you were to suddenly pass on.

During the planning process, KES Financial will diganose your life insurance needs. If your current situation does require increased life insurance, KES Financial will work with you to find the right policy.

An advantage of getting your policy through KES Financial is that we are an independent firm. We shop for the best rates and custom taylor the policy for your needs. We will not push product on you. We will only offer policies when your financial plan requires it and help you choose the policy that best meets your personal and financial needs.

If you would like to schedule a free consultation, you can call us at 770-439-4430 or email me at kenny@kesfinance.com. Please visit our web site at www.kesfinance.com.

Kenneth Shanks
www.kesfinance.com

#2 FreeBird

FreeBird

    Super Icon

  • +Member plus
  • PipPipPipPipPipPip
  • 16,045 posts

Posted 24 August 2010 - 08:26 PM

If you can only purchase one, I think that disability insurance should take precedence over life insurance. But, term is cheap and one should be providing for their families if they die "before their time."
"Socialism is a philosophy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery.''

-Sir Winston Churchill

#3 Kenneth

Kenneth

    Member

  • +PC BIZ Member
  • PipPip
  • 5 posts

Posted 25 August 2010 - 08:32 AM

If you can only purchase one, I think that disability insurance should take precedence over life insurance. But, term is cheap and one should be providing for their families if they die "before their time."



Short and Long Term disability insurance is mostly covered by your employer for off the job incidents. They offer this through a group policy. If you were to get hurt on the job, workman's comp will take care of that and if you were permanently disabled, Social Security will provide for your losses.

I will agree with you about term. It is cheap and if you are disciplined you can get a better return on the difference of premiums on whole life. Whole is good insurance if you have large estate. It is used to pay off the estate tax. Also, whole is good for people who don't have the discipline to save or knowledge to invest. (If you don't know how to save or invest, seek an independent financial advisor). With the whole life, you can borrow against the cash value without paying taxes to pay for retirement or college.
Kenneth Shanks
www.kesfinance.com




0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

Recent Topics Recent Topics