SERVICES

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The need to make sound financial decisions lasts throughout adulthood and even more during retirement. Even if you’ve made the best financial decisions all the way up to retirement, it’s still possible to make mistakes that can ruin all your plans. As the laws change, your perspective and decision-making process should change too. Retirement is a time to evaluate and possibly adjust your financial portfolio. Poor decisions can significantly detract from your retirement wealth.

New life insurance" typically refers to a modern or updated type of life insurance policy, which may include different features or benefits than traditional life insurance plans. There are several types of life insurance policies that might be considered "new" in terms of their flexibility, options, or coverage, including:

1. Term Life Insurance: While not exactly new, it's one of the most common forms of life insurance today. It provides coverage for a specific period, such as 10, 20, or 30 years, and pays a death benefit if the policyholder passes away during that term. It’s often more affordable than permanent life insurance.
2. Permanent Life Insurance: This includes whole life insurance, universal life insurance, and variable life insurance. These policies offer lifetime coverage and may build cash value over time. Some modern permanent policies offer more flexibility in terms of premiums and coverage amounts.
3. Indexed Universal Life (IUL): This is a newer type of permanent life insurance that offers flexible premiums and death benefits, along with the opportunity to accumulate cash value based on the performance of a stock market index, such as the S&P 500. It combines the benefits of both permanent insurance and investment potential.
4. No-Medical-Exam Life Insurance: Some newer life insurance policies allow individuals to apply for coverage without undergoing a medical exam. These can be especially appealing for people who don’t want to go through the traditional underwriting process, though they may come with higher premiums or more limited coverage.
5. Simplified Issue Life Insurance: This policy type doesn’t require a medical exam but does require answering a few health questions. It’s often quicker to obtain than traditional life insurance and is becoming increasingly popular in the market.
6. Living Benefits Policies: Some modern life insurance policies include living benefits, which allow the policyholder to access a portion of the death benefit while still alive if they are diagnosed with a terminal illness or require long-term care.

The life insurance industry has been evolving to offer more options that cater to different needs and preferences. Whether you’re looking for basic coverage or something with additional investment or flexibility features, new life insurance products are designed to meet modern demands.

Mortgage Protection Insurance (MPI) is a type of life insurance designed to pay off or help cover the mortgage balance if the policyholder passes away or becomes unable to work due to illness or injury. The primary goal of MPI is to ensure that the surviving family members or dependents can remain in the home and not face foreclosure or financial hardship due to the mortgage debt.

There are typically two main types of MPI:

1. Life Insurance-Based MPI: This will pay a lump sum or regular payments to the mortgage lender if the policyholder passes away, with the aim of paying off the remaining mortgage balance.
2. Disability or Critical Illness-Based MPI: This type pays out if the policyholder becomes critically ill or disabled and is unable to work, covering the mortgage payments for a specified period until the person is able to return to work or recover.

MPI can be a valuable safety net for homeowners, offering peace of mind that their mortgage obligations are covered in times of hardship. However, the specifics of coverage and benefits can vary depending on the insurer and policy type, so it's important to understand the terms before purchasing.

Have you or your loved ones suffered a financial hardship due to a new disability or cutbacks at work? Well, I can provide a solution! The Living Benefit Rider, or Accelerated Death Benefit Rider states if you have a terminal illness, a chronic illness, a critical illness, or a critical injury that you can get a certain portion of your death benefit. Let’s talk about it!

 A fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you growth potential along with less risk. We strategically create a retirement plan that will increase clients’ cash flow, give proper protection to offset inflation and reduce taxation, manage debt, create an emergency fund, cover long-term care and disabilities, and most importantly focus on long-term planning instead of short-term results. 

A system whereby one becomes their own banker by growing their liquid cash value inside a properly-designed new life insurance policy. Individuals can use funds over-time towards major expenditures, emergencies, and outside investment opportunities.  

The cost of education continues to rise while students accumulate more and more debt. Our firm offers products that enable clients to save enough money for their children’s futures. Alleviate future stress by planning for it now. 

Let’s talk! 

Executive-Bonus-Plan, Buy-Sell Agreements, & Key employees

 Reward yourself and your key employees

Benefits to Business

· Flexible contributions and multiple designs are available

· May select among employees and may include business owner employee as a participant

· Bonused dollars are tax-deductible to the company as compensation

· Simple to implement: no IRS approval required

· Provide incentives to reward and retain key employees

Benefits to Business Owner and Key Employees

• Receive a valuable benefit

• Participant owns the life insurance policy and selects their beneficiary

• Potential for retirement income through tax-free loans and withdrawals

• Accelerated benefit riders offer access to the death benefit in the event of a qualifying terminal, chronic, critical illness or critical injury

• Heirs receive an income tax-free death benefit*

Breakin Generational Curses (BGC) is expanding our team!

Are you passionate?

Would you love an opportunity to work in a positive environment?

Could you add value to our company?

If you answered YES to the questions, you might be the person we are seeking! Our ideal candidates are detail-oriented self-starters with the ability to take initiative and work with minimal supervision. The candidates must exhibit a positive attitude, able to prioritize workloads, be able to multi-task, and set/achieve goals in a fast-paced environment.

Part-time 

Commission Pay/Bonuses and Promotion available

Serious Inquiries Only!  

Required days and hours are:

Monday 6-9

Tuesday 6-10

Saturday 8-12noon

The positions are as follows:

-Appointment setter first 30 days.

You can be promoted to

-Interviewer and -Data Entry.

The next promotion is

-Certifed Field Trainer 

My goal is for you to be a Agency Director in your first 90 days.

Requirements:

-Required (18 years of age)

-No current felonies less 5 yrs 

-Computer literacy is mandatory

-Verbal and written communication skills are essential

-Meet daily quota (discussed during interview/training)

-Able to pass a hair sample drug test

-Valid Driver License required

-Business professional attire daily no exceptions 

-Well-groomed and hygienic

-Ability to speak proper grammatical

Your responsibilities will be to:

-Make outbound calls to potential clients & agents

-Placement of Insurance Policies

-Growth of Licensed Insurance Agents

-Be client-focused

-Must be innovative and creative

-Willing to execute and have a growth mindset

Opportunity Highlights:

-Flexible Schedule

-Fun (In Person) Work Environment

-Career Advancement Opportunities

If you’d like to be a candidate for the position, please send a resume here. Breakingenerationalcursesbgc@gmail.com

We provide financial education and measures to reduce debt so that our clients can live life a little bit easier. Together with Mediator Debt Solutions, we specialize in helping thousands of people like you acquire financial debt relief. We assist with student loans, credit card, medical, and/or other forms of unsecured debt. Below is a form to set up a brief phone call. No commitment. No obligations. 

https://www.phpdebtsolutions.com/sm/578035

Long-term care (LTC) refers to a variety of services that help individuals with chronic illnesses, disabilities, or aging-related conditions that require assistance with activities of daily living (ADLs) over an extended period. This type of care can be needed for people who are unable to independently perform basic tasks like bathing, dressing, eating, or managing medications.

LTC can be provided in several settings, including:

1. In-home care: Care provided in the individual’s home by family members, caregivers, or health professionals.
2. Assisted living facilities: These provide a residential setting where individuals can receive help with daily tasks but still maintain a degree of independence.
3. Nursing homes: Facilities that offer 24-hour care for individuals who need more intensive support, including medical care and help with daily activities.
4. Adult day care: Services offered during the day to support individuals who need supervision or help with ADLs, while allowing family members to work or take breaks.

Types of Long-Term Care:

• Personal care: Includes help with everyday activities like bathing, dressing, or eating.
• Skilled nursing care: Medical care provided by licensed professionals for more serious conditions or illnesses.
• Hospice care: Focuses on providing comfort and support to individuals in the final stages of a terminal illness.

Long-Term Care Insurance: Many people purchase long-term care insurance to help cover the significant costs of LTC services, as these services are often not covered by regular health insurance or Medicare. Long-term care insurance can help pay for in-home care, nursing homes, assisted living, and other types of services, depending on the policy.

LTC can be costly, and coverage varies widely. Planning ahead for the possibility of needing long-term care is important because these services are often needed unexpectedly, and the costs can add up quickly.