Life insurance is different than any other financial product. You get special tax treatment… You get leverage… You get a lot of things, but you just can’t go out and buy it.
But best part of Life Insurance is not taxes or investment related. It is the glue that keeps a family strong. From generation to generation… You can make your branch of the family tree secure.
Life Insurance can help you pass down a family business. Care for special needs children.
With Life Insurance, you can leave an inheritance to the next generation and spend all of your retirement and investment accounts enjoying your retirement.
It’s a win-win.
Imagine what you could have done with just a little “leg up” so to speak. That great business idea you had, but just because you didn’t have an extra $100k of cash in the bank, someone else got that million Dollar business idea.
Or how about having College paid for so you did not have to start out life as a debt slave with all your cash flow going to debt service, instead of building your investment and retirement accounts…
But you can be the one to break the chain.
Your kids and grandkids will know it was you who stepped up to break the chain.
What about right now? You can use life insurance planning for right now. Today it takes both incomes to make ends meet… or one person has to sacrifice income for time to take care of the kids and household.
If one spouse is taken out of the picture by accident or illness, then what is the surviving spouse to do without the income or the time? What if you are a single parent?
Life insurance can’t replace the person, but it can replace the income needed to take care of the family and/or kids and buy some time for your loved ones.
You can still be there for your spouse and they can still be there for you, even if life interrupts your plans with an accident or illness. You can still be there for your kids.
Not only do you need life insurance to protect your income in your working years, but also in retirement. If you have permanent life insurance, you can spend down your retirement assets and enjoy life together, and then when one spouse passes, the Life insurance will give the surviving spouse the cash needed to go on.
Historically, because the insurance company is literally insuring your life, they have had a medical check up for term insurance.
If you wanted a term policy without medical tests, you would have to be looking at the old “burial policies”. These were small amounts, with 2 year exclusions and very expensive… because the insurance company had no idea if you were about to die.
LifeInsurance-MadeClear.Net is a start up based in Austin Texas, Licensed in Texas and California. We are changing the way America buys life insurance. Some call it a Robo-Advisory; we call it life insurance on your schedule.
One of the most important areas is low cost life insurance, no medical exam.
The old way was complicated…
And it hurt…
And it took a LONG time…
Then the Lab had to examine everything, certify it and send it to the Underwriters at the Life Insurance company… which took more time.
All just to buy “Life Plan Insurance”. After all, that is the idea. That your life plan will go on for the people you love. If a person doesn’t care about anybody or anything, then they don’t need life insurance. They don’t even care about themselves because you can use life insurance for long-term care too, but that is a story for another day.
But if you do love a wife, a husband, a child, a church, a charity, an employee, a tree, a dog, a horse or even your own self, any or all of the above… or if you plan to love some one some day, then life insurance is for you.
What is really needed is term insurance without medical check up. This also solves another problem in America with the aging baby boomers- Over 50 life insurance no medical exam and over 50 life insurance immediate cover.
Because the traditional way to buy life insurance took so very long to get your coverage in force with all the medical examinations, blood work, lab work and underwriting.
Introducing- Automated Underwriting
A term plan without medical testing needed… basically you can now buy life insurance online, no exam.
We still have to take an application with a human advisor, which really just gives you a chance to ask questions of a licensed life insurance advisor. Simply push a button to schedule your application and everything else is automated.
The Life insurance carrier checks various databases in the Automated Underwriting process including the prescription database and the medical information bureau.
So Automated Underwriting is for healthy people who want life insurance without the hassle of the old complicated way that pokes you with needles and takes weeks or months.
You could have an Offer for life insurance, no medical exam needed in as little a 3 hours after your application… and coverage that very same day with electronic signatures and payment processing.
Typical Automated Underwriting is 1 – 2 days. Way better than weeks or months.
Schedule your application as soon as you want to add up to $500,000 to your balance sheet with your own automated underwriting life insurance policy.
Life Insurance Made Clear is giving you the digital keys to unlock your life plan.
Just click to schedule your life insurance application
If you are not in Texas or California, please email us so we know which state to expand to next. We have limited resources as a start-up. So the state with the most emails with their state in the subject line is next up in the Life Insurance-Made Clear hit parade.
(Not a solicitation for business, this is a popularity contest.)