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What does Higher Education mean to you? Study Abroad? Technical Training? On-Line? Community College?
Life is about ongoing learning, and the stronger your skills, the better your Earnings Opportunities. Likely you will have multiple careers in your life, so how do you best prepare?
Some ideas we will talk about:
Life Insurance may be used as a powerful tool for tax purposes, financial preservation, and the legacy you leave behind. But let's focus on how Life Insurance protects the Living.
What happens to your partner or your children if you are gone? Covid likely took a dear one from you during the pandemic. Who pays off the house? The car loans? Tuition Debt?
Here's what Rich says: "You can't imagine the number of people who come to us when they have received frightening health news, usually when one is sicker or older. This is like trying to put insurance on your home after it is already on fire and it is so distressing when people learn it's too late to get Life Insurance."
Start Young Start Healthy Start Affordable
Life Insurance may cost as little as a cup of coffee per day. It could be something you want to have for a lifetime or only for a short period of time. You may need it only until that debt is paid off or you may want to use it to grow in value over your life. Term Insurance, Permanent Insurance - we'll walk through the best options.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Insurance services offered through Bye Insurance. Rich Michaels Investments and Bye Insurance are not affiliated.
Investment Advisory services offered through Rich Michaels Investments, LLC, a Registered Investment Advisor. Insurance services offered through Bye Insurance, LLC. Rich Michaels Investments and Bye Insurance are not affiliated.
Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.
Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them.
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.
Rich Michaels Investments, LLC
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