According to Life Insurance Management Research Association (LIMRA) statistics from 2012, both men and women are less likely to own life insurance today than they were in 2004, and the likelihood of being without life insurance has dramatically increased for every age group since that time.
• Only 61% of men and 57% of women have some sort of life insurance coverage — half as many as in 2004.
• The likelihood of husbands having any life insurance has declined
across every income level — low, middle and affluent, since 2004.
• Women of all ages average smaller amounts of individual life coverage than men of similar ages.
• On average, women have $129,800 of individual life insurance, while men have $187,100 of individual life insurance coverage.
September
is Life Insurance Awareness Month (LIAM), and it is time to take
personal financial responsibility to determine if life insurance should
be part of your planning and how much is appropriate. Whether you choose
to research online or pick up the phone to call your agent or advisor,
now is the time to take action. Do it today!
Thursday, September 5, 2013
September is Life Insurance Awareness Month
Are you ready financially?
Fifty percent of the US population accounts for just 2.7% of all health-care expenditures, while 5% accounts for 49.5% of all health-care expenditures, according to Kaiser Family Foundation.
The life expectancy at birth of an average American was 62.9 years in 1940, five years after Social Security was created. Life expectancy today is 78.7 years (source: Center for Disease Control). As a result of this increased life expectancy, it will take $293,000 to pay for post retirement health care that’s not paid by Medicare, according to Kaiser. Are you financially prepared for this?
Read more....
Fifty percent of the US population accounts for just 2.7% of all health-care expenditures, while 5% accounts for 49.5% of all health-care expenditures, according to Kaiser Family Foundation.
The life expectancy at birth of an average American was 62.9 years in 1940, five years after Social Security was created. Life expectancy today is 78.7 years (source: Center for Disease Control). As a result of this increased life expectancy, it will take $293,000 to pay for post retirement health care that’s not paid by Medicare, according to Kaiser. Are you financially prepared for this?
Read more....
Tuesday, May 28, 2013
Free membership in Legacy Safeguard
Legacy Safeguard® membership
We are proud to provide you with FREE membership (a $99.95 per year value!) in Legacy Safeguard®. We believe it is important to leave a lasting legacy and to be remembered long after we are gone. We have a limited number of FREE Legacy Safeguard® memberships available to residents of metro Atlanta.
Legacy Safeguard® Membership Benefits
Legacy Planning Services
• Legacy Planning Guide™ Software -- A one-of-a-kind planning software that will help you share with your loved ones your historical information, the lessons you've learned, and the family values you hope they keep. This planning software is easy to use and will help you leave a lasting legacy.
• Legacy Planning Archive™ -- Outlines the important information that will be needed to complete the Death Certificate and Obituary. The Legacy Planning Archive also helps you record your final wishes to reduce stress and confusion among your family during a difficult time.
Estate Planning Support
• Estate Planning Attorney Locator -- Assists you in locating local Estate Planning & Elder Law Attorneys.
• Free Living Will -- You can also create a Free Living Will online. This allows you to communicate your wishes for your end of life plans to your family.
• Discounts on Estate Planning Legal Documents -- Members receive discounts on personalized estate planning legal documents that include a Last Will and Testament, a Power of Attorney, and other important documents.
End of Life Planning, Guidance & Assistance
• Legacy Safeguard Advisors -- At the time of need, Legacy Safeguard advisors are on call to guide your family through the entire planning process. This will help your family evaluate all the options that are available to them.
• Funeral Home Locator -- Can help you in locating several funeral homes and cemeteries in your area
• End of Life Planning -- Our advisors can help your family create a dignified memorial service that your life. Legacy Safeguard can also help your family make informed decisions about how to use the funds that you have set aside to pay for your final arrangements.
Support for Survivors
• Bereavement Travel Assistance -- Our advisors can inform your family about bereavement travel options and discounts available to them.
• Grief Counseling Support -- We can also recommend grief counseling programs to help your family through the loss of a loved one.
Celebrating Life Events
• Discounts on Flowers, Gift Baskets, & Other Celebration Items -- As a member of Legacy Safeguard you willa enjoy a 20% discount on flowers, gift baskets, and other items from FTD to celebrate life for any occasion.
• Superior RxCard Walmart Prescription Drug Program -- You and any member of your household are entitled to special negotiated pricing on prescription drugs at any Walmart, SAM's Club or Walmart Neighborhood.
• Free Family Legacy DVD -- Members also receive an exclusive professionally produced Family Legacy DVD that combines your photos with your favorite music.
We are proud to provide you with FREE membership (a $99.95 per year value!) in Legacy Safeguard®. We believe it is important to leave a lasting legacy and to be remembered long after we are gone. We have a limited number of FREE Legacy Safeguard® memberships available to residents of metro Atlanta.
Legacy Safeguard® Membership Benefits
Legacy Planning Services
• Legacy Planning Guide™ Software -- A one-of-a-kind planning software that will help you share with your loved ones your historical information, the lessons you've learned, and the family values you hope they keep. This planning software is easy to use and will help you leave a lasting legacy.
• Legacy Planning Archive™ -- Outlines the important information that will be needed to complete the Death Certificate and Obituary. The Legacy Planning Archive also helps you record your final wishes to reduce stress and confusion among your family during a difficult time.
Estate Planning Support
• Estate Planning Attorney Locator -- Assists you in locating local Estate Planning & Elder Law Attorneys.
• Free Living Will -- You can also create a Free Living Will online. This allows you to communicate your wishes for your end of life plans to your family.
• Discounts on Estate Planning Legal Documents -- Members receive discounts on personalized estate planning legal documents that include a Last Will and Testament, a Power of Attorney, and other important documents.
End of Life Planning, Guidance & Assistance
• Legacy Safeguard Advisors -- At the time of need, Legacy Safeguard advisors are on call to guide your family through the entire planning process. This will help your family evaluate all the options that are available to them.
• Funeral Home Locator -- Can help you in locating several funeral homes and cemeteries in your area
• End of Life Planning -- Our advisors can help your family create a dignified memorial service that your life. Legacy Safeguard can also help your family make informed decisions about how to use the funds that you have set aside to pay for your final arrangements.
Support for Survivors
• Bereavement Travel Assistance -- Our advisors can inform your family about bereavement travel options and discounts available to them.
• Grief Counseling Support -- We can also recommend grief counseling programs to help your family through the loss of a loved one.
Celebrating Life Events
• Discounts on Flowers, Gift Baskets, & Other Celebration Items -- As a member of Legacy Safeguard you willa enjoy a 20% discount on flowers, gift baskets, and other items from FTD to celebrate life for any occasion.
• Superior RxCard Walmart Prescription Drug Program -- You and any member of your household are entitled to special negotiated pricing on prescription drugs at any Walmart, SAM's Club or Walmart Neighborhood.
• Free Family Legacy DVD -- Members also receive an exclusive professionally produced Family Legacy DVD that combines your photos with your favorite music.
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