Already have life insurance? That’s a great start. Mama is truly proud of you for being real about life and protecting your loved ones. So you’re covered, but until when? What do you even have, and when was the last time you got your life insurance policy reviewed? Chances are that you’ve never. Why not? Because it’s not a service that’s really offered until now—with me! (You and your family can thank me later for rip-off-proofing your policy for free–potentially saving your life and tens if not hundreds of thousands of dollars.) It’s no joke.
For now, let’s just blame it on the late night infomercials of the ‘90s and Ron Popeil who got you like “Set it, and forget it!” Problem with that is life insurance ain’t no rotisserie chicken, and even if it was, not all rotisserie chickens are the same! They all vary in size, juiciness and flavor, freshness, and price! (Shout out to all my fellow Costco members.) Truth is: some are just better than others.
With thousands of life insurance providers out there, chances are, you very well could be getting ripped off. Could you be paying way more for what you have than you really should? Unfortunately, yes, and you probably are.
In general, as new financial solutions emerge and hit the marketplace, staying competitive and attractive to consumers means increasing the benefits while lowering the costs. So if your life insurance policy has been on “set it, and forget it!” mode over the last years, months, weeks or days even, that “rotisserie chicken” might not be the right size and flavor for you. It could also very well be overpriced and stale (nearing its expiration and/or under performing). Can it be juicier with living benefits that give you added protection with acceleration of (access to) the death benefit and tax-sheltered savings while you’re alive? Yes, it sure can. In fact, they sure should!
What if you are getting ripped off? How could a free review help you? Here are a few real client examples:
For just $4 more per month, she got $50,000 more in tax-free life insurance benefits, 5 additional years of coverage, and living benefits, such as access to her $250,000 death benefit if a terminal, critical, or chronic illness strikes.
His life insurance policy was from a B-rated provider and the cap (maximum) interest rate on his cash value was 1%, whereas I replaced his policy with an A-rated provider and the cash value’s interest rate cap is now 11 times better than it was at 11%!
Her life insurance policy was from a BBB- rated provider and her cash value’s interest rate cap was 1.5%, whereas I replaced her policy with an A-rated provider and $6,000 monthly access to the death benefit for Long-term care needs. Not to mention, a cash value interest rate cap of 15%. That’s 10 times more potential growth in tax-sheltered wealth than she had with her old policy!
His life insurance policy had a Long-term Care (LTC) insurance rider with access to the death benefit, so long as he is unable to perform 3 out of 6 Activities of Daily Living (ADLs), i.e. bathing, dressing, transferring, continence, toileting, and eating. When on claim, his LTC benefit will be on a medical reimbursement basis. Meaning, medical expenses would be reimbursed with submission and approval of receipts. I replaced his policy with a superior LTC insurance rider, qualifying on 2 out of the 6 Activities of Daily Living (ADLs), versus 3 out of 6 on his old policy. Moreover, the new and improved LTC rider is on a cash-indemnity; therefore, a monthly check of $5,000 in LTC benefits would be made out to the policy owner (like cash money) to cover both medical and non-medical expenses like his mortgage/rent, kids’ childcare, food–whatever he needs during his time on claim. Better yet, whatever the fuck he wants at that point so he can live it up and go all out at Costco for all the perfectly golden rotisserie chicken he can eat, magnum bottles of pinot noir, and Costco-sized bottles of Jameson, Grey Goose and Patron.
As you can see, I’m dead serious and I’m no chicken about checking that “chicken” to get you the most for your money. It could mean a difference of tens or hundreds of thousands of dollars and up to 11 times more tax-free money and tax-sheltered wealth. I’d love a chance to top that (with the perfect golden brown).
Simply send me a copy of your policy, and I’ll do all the work and investigation for you. It’s as easy as “Set it, and forget it!” but even better! I’m like your very own “Flo” with Progressive (for car insurance), but with life insurance to make sure you’re getting the most out of life, more bang for your buck, and maximum coverage (and potential returns) for your premiums paid and contributions made.
Suddenly craving chicken? Meaning you don’t have life insurance, but know you need it and want it, too? I can run quotes for you across hundreds of A-rated life insurance providers. Nationwide is on your side… And so are Prudential, Transamerica, AXA, VOYA, AIG, North American, Lincoln, and many more. I know, I know… My free quotes are as exciting as free samples at Costco.
Last but not least, my vegetarian and vegan friends… Don’t worry. I got your back for life (insurance). So chicken is not part of your diet plan after Netflix binging on horror films of food? That’s perfect! Let’s throw out the bad chicken. It’s a no brainer… (Get it?) All jokes aside, you now know, it’s no joke that when more money is saved, more money can be made. Just let me know if you’re hungry for more. It’s a win-win. (Drumstick drops… In slow motion.)
Call or text Uyen Nguyen at 408-515-0099 to save your life (insurance)! Or simply fill out the form below.
© 2019-2020 by Uyen Nguyen