In the event you may need to access funds without paying heavy penalties, it is always better to be safe and not sorry. You may need to put down money for booking a wedding or to pay for unexpected medical bills. Be confident to handle everything life throws at you, now and in the future. One effective way to deal with financial emergencies is to arrange a safety net now.
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For Kelly and Ron Franco, a financial plan that included permanent life insurance for protection and accumulated cash value enabled them to build their dream home, tapping into it for funds.
When money was tight, they considered cancelling their policies, but with an agent’s help, realized the need for more coverage instead. Simply cutting down a few unnecessary costs was enough to pay for greater protection.
Kelly was able to tap into their permanent policies to pay bills as well as supplemental life insurance premiums. When she suddenly died of heart failure a few months later, Ron was able to ensure that he and his children did not have to leave their home.
Will you be able to access funds without losing your coverage too?
3 Things to Keep in Mind when Using Life Insurance as an Investment
What unexpected expenses might you need to consider?
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One-third of all Americans say they don’t have enough life insurance coverage, even some who already own a policy.
Are you prepared for the unexpected?
The True Cost of Life Insurance Policies
Life insurance provides your loved ones with much-needed funds in case you die, but some policies can also act as an emergency fund while you’re alive.
Contrary to what most people believe, life insurance is highly affordable. In fact, 80% of all Americans overestimate the cost of a policy.
- Those under 25 overestimate the cost of life insurance by almost 4 times its true cost.
- Those with no life insurance think it’s 3 times more expensive than it really is.
- Even those with coverage think it costs twice of what it actually does!
Understand how to get the best value from a policy and request a complimentary review of your current plan here.
As your circumstances, goals and requirements change over the years, we’ll work hand in hand with you to keep your financial plan on track.