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You have several types of insurance, right? Your car, your home, your health. Hopefully your life. Maybe more. They all have something in common. That heading across the top of the policy. You know, that bold type where it says, "Insurance". That's a lie. That's not what it is.
To insure means, "to guarantee against loss or harm". Is that really what your insurance policy does? No! If you have health insurance, you're still going to get sick. Fire or hail will still damage your home or car no matter how good your insurance is. And your life insurance? Well, spoiler alert, you're still gonna die. There is no such thing as a guarantee against loss or harm.
So, just what does your insurance do for you? It indemnifies you. Indemnify means, "to compensate for damage or loss sustained, expense incurred, etc. In other words, it pays for the damage that has been done. It gives you the money you need to cover the expense of repair to your home or car. It helps you pay for your health care or compensates your beneficiary in the tragic event of your death.
Now, don't worry. There won't be a quiz asking you to define "indemnity". What you DO need to understand is, no matter which insurance policy you talk about, you are really insuring one and only one thing - your bank account! Will you have the coverage you need so that an insurance company pays that expense rather than your bank account?
While this may seem very basic, it has HUGE implications. Since the only thing you really insure is your bank account, what is the greatest threat your bank account faces and and does your current insurance truly protect you and your family from that threat? What would your family do without your income, whether due to death or disability? Is your plan to indemnify your loss and grow your assets, or to ignore the question and assume things will somehow "work out"? Did I lose you at "plan"?
While everyone knows they should protect their financial future and that of their family, the fact is the majority do not. Having that discussion with your trustworthy financial professional at Never Too Much Money is critical.
Because, to not indemnify yourself is to insure disaster.
If you could design your own investment product, what would you want it to do? Every time I ask someone that question, the answer is always the same. "When the economy is up, I want my investment to go up, and when the economy is down, I don't want to lose anything - no risk. And I want it to grow compound interest, tax-free and be something that I can pass on to someone else when I die."
We've got that! Yes, we mean EXACTLY that. Call us and let's get started today!
The insurance industry includes hundreds of different companies hoping to earn your business. It is an extremely competitive market and it pays to shop around for the very best deals. But who has the time and the attention span to do so? This is where we come in.
Whether you're searching for Life Insurance, Disability Insurance, Annuities, IRAs, and other retirement strategies, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent broker who represents multiple insurance carriers can give you peace of mind that you've gotten the best value.
Mortgage Protection, Final Expense and Disability Insurance
What would your family do if something happened to you? Seriously, where would they live? Back at mom and dad's? What about college for your kids? Retirement? Mortgage Protection can keep your family in your home and not change these critical future plans.
Your family comes first. You would never want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
What about coverage for disability? If you are unable to work, your family would be in the same position, right? And need the same protection, right? To accomplish the same objectives, right? Most life insurance policies can have disability income riders added on to them at a fraction of the cost.
Why Should I Call Never Too Much Money?
You can't shake a stick without pointing to an insurance agent these days and it may seem like any agent or broker is as good as another. But we are decidedly different. We know the ins and outs of the insurance business, and our access to and inside knowledge of many highly rated, stable companies and many product choices will work to your advantage. As independent brokers we are your personal financial shopper, not employed by any one particular company. Instead, we select the insurance product or combination of products from among those companies that best address your individual concerns.
We promise to always focus our attention on what fits your specific goals. What's best for you is always what's best for us in the long term, always.
Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There is no charge for our assistance or a friendly, no-obligation chat.