What Promises Have You Made To Those You Love?
A Free 15 Minute Consultation Can Help Ensure Proper Financial Plannning. Schedule Now
Income Protection
can help keep your financial promises.
Let Me Share Some Life Changing Information!
Dear friend,
My name is Shane Roberts and I want you to know… that life is for living! And you should have confidence that you and those you love, have the opportunity to live life to the fullest. But I want to ask you an important question. Will you be able to keep the promises you have made to those you love?
FINANCIAL SUCCESS BEGINS WITH FINDING A PATH THAT IS RIGHT FOR YOU.
Will You Take a Few Minutes To Learn How?
Learn More
Start Today!
A Free 15 Minute Consultation Can Help Ensure Proper Financial Plannning. Schedule Now
Schedule a FREE Promise Planning Consultation
The Promise Planning consultation can help individuals plan and reach financial success. This consultation can help avoid common financial mistakes and help provide a successful financial future. This consultation can be conducted by video, phone or an in home visit.
Learn How Critical Illness, Disability and Life insurance Insurance Can Protect Your Future
Having a continuous income is crucial to financial success. This step can ensure the financial promises you have made will be kept. Click the links to see how affordable insurance is and how easy it is to apply.
THE BEST CONCEALED
CARRY INSURANCE
There’s nothing more important than protecting yourself and your family. If you must act in self-defense, you shouldn't have to worry about paying for an attorney. When you join U.S. LawShield®, you’ll receive essential coverage, peace of mind, and a simple-to-understand plan that’s affordable.
Your coverage begins with:
24/7/365 Attorney-Answered Emergency Hotline
Non-emergency access to Independent Program Attorneys
You pay zero attorneys' fees: no caps, no hourly limits, and no deductibles for covered events
Coverage for all legal weapons
State-specific educational videos, law updates, and online resources
All this and more for as little as $10.95 per month
What Promises Have You Made To Those You Love?
Now, if you are like most people, you make promises to those you love and they know they can depend on you. In fact here are few promises that most people make:
1. Promising to pay for a safe and secure home.
2. Promising to have enough money to provide an enjoyable life to those you love.
3. Promising to be sure our children and grandchildren have enough money to get a quality education.
4. Promising to help your loved ones enjoy a better life when it comes time to retire.
Life Is For Living
Think about it! An average home mortgage today is almost $1500 per month! That’s $18,000 per year!
IF you lose your income:
How long will your savings allow you to keep your promises before your family begins to struggle?
4 Simple And Affordable Ways to Help Keep Your Promises
Short-Term Disability
Pays you direct weekly benefits that can start immediately and last up to 2 years if you become too sick or hurt to work.
What is Critical Illness Insurance
lump sum
benefits of:
$25,000
$50,000
$75,000
Critical illness insurance provides a lump-sum cash benefit paid directly to you if you are diagnosed with a covered condition, such as heart attack, cancer, stroke or other covered condition. In fact, the average American worker is five times more likely to suffer a critical illness than to die before retirement.
Critical illness insurance is not a replacement for health insurance and does not reimburse you for medical care expenses. However, it does pay you a direct lump sum benefit of $25,000, $50,000 and even $75,000 and that allows you to choose on how the money is spent.
You can use Critical Illness Insurance to help pay for medical procedures, medication and travel expenses that most health insurance don’t completely cover or you may use it as an income to replace the time away from work. No matter what you choose to use the lump sum amounts for, it can help you have a better quality of life during your critical illness.
Let me ask you, do you know someone who has faced a critical illness? If so you, know that recovering can take a toll on a person’s well-being—and on their finances. So if it could happen to them could it happen to you? Again, by having Critical Illness Insurance, if you are diagnosed with a covered illness, you can receive up to $75,000 to help keep the promises you have made.
What is Short-term disability Insurance
Affordable Policies
Simple Online process
Short Term Disability Insurance is a type of insurance that replaces a percentage of your income through weekly benefits if you experience a temporary injury or illness that prevents you from working.
It is ideal for disabling events that may limit the ability to work, but people generally recover from — such as a plumber breaking a hand, a pilot undergoing back surgery, or a pregnant teacher giving birth.
During this period, you will typically be reimbursed for about 60 percent of your lost wages. Depending on the policy, the benefit may be as low as 40 percent or as high as 70 percent. Most policies have a benefit cap as well.
The policy benefits can start immediatly and last up to 2 years, if you become too sick or hurt to work. This money can be used to pay mortgage, utilities, gas or any other way you choose.
Your ability to provide an income for those you love is your greatest asset and Disability Insurance can protect that asset.
See plan for further details.
What is long-term disability Insurance
Affordable Policies
Simple Online process
Long Term Disability Insurance is designed to cover serious injuries and illnesses that keep you out of work for three months or longer, as well as permanent disabilities that leave you unable to return to work.
Your policy’s benefit amount determines how much you will receive in long term disability benefits if you become disabled.
In most cases, your benefit amount will be a percentage of your income. The size of your disability insurance benefit amount will depend on the policy. Generally, long term disability policies can replace anywhere from 60 percent to 80 percent of your income.
While the scope of a disabling event is wide, the top 5 common disabling events are:
- Musculoskeletal disorders
- Cancer
- Pregnancy
- Mental health issues including depression and anxiety
- Injuries such as fractures, sprains, and strains of muscles and ligaments
Long term disability coverage is a smart investment for healthy, employed individuals who want to secure their financial future.
See plan for further details.
What is life Insurance
Affordable Policies
Simple Online process
Life insurance provides an easy way to ensure the promises you have made, can be kept. You are more than just an income. You provide stability, direction and a future for those you love.
Life insurance can continue to support your loved ones in the event of a diagnosis of terminal illness or death. With coverage amounts up to $2,000,000, you can find a policy to meet your needs.
In fact, most policies do not require any blood work or medical exam.
Request a free online quote today and see how affordable life insurance can be to protect those you love.
it Only Takes A Few Minutes To Keep The Promises You Have Made.
Simple and affordable process
As you can see it has never been easier to keep the promises to those you love. However, one of the biggest mistakes individuals make is putting off such an important decision.
When an illness, disability or death occurs, families not only are burdened by the event but the financials cost that occur. The good news is that you can prevent that from happening to those you love.
By clicking the links provided you can get free quotes. You will discover how easy and affordable keeping your promises can be. You can apply online and often times get approved in minutes.
You may have questions or just need more information. Representatives are online to help during the process.
Yet, you may want to discuss what type of coverage and amounts that are best for you. I have also provided a link for you to schedule a free consultation at your convenience. This consulation can help to answer any questions and provide more information on how to keep the promises to those you love.
What Promises Have You Made?
- To Provide a Continuous Income
- To Pay Mortgage
- To Help With Retirement
- To Pay for College
- To Pay for Day Care
- To Pay for Daily Necessities
- Maintaining Your Loved Ones Standard Of Living
- To Pay for Long Term Care for Your Spouse
- Pay Medical Bills
- To Pay Off Debts
- To Pay for Cars
- To Pay for Home Repairs
- To Setup a Wedding Fund for Your Children
- To Donate to Favorite Charity or Church
"So let me ask you, what promises have you made? Will your current saving be enough to keep those promises? Don’t wait any longer. Click on the links provided to get your free quotes and begin protecting those you love.
As you can see, the process is simple. I thank you for letting me share this information with you I look forward to helping you keep the promises you made to those you love!"
Shane Roberts
6
Common
Life Insurance Myths, Debunked
Myth #1:
I don't need life insurance if I'm young and healthy
You're young and healthy, you say? That's great news because right now might be the best time to get life insurance. Having a risk level is lower than those who are older or have health issues, generally means you can lock in lower premiums.
On average, the cost of premiums increases by 8-12% each year, meaning for every year you wait, you may pay more. Securing a low rate now can potentially save you a significant amount over time.
If you're in your twenties and thirties, it might not be long before you buy a home, get married or have kids. Having a life insurance policy can help protect your growing family. It can help cover your mortgage expenses, pay for future educational costs and supplement daily living expenses in the event of your passing.
Even if you don't plan to buy a home, get married or have kids, life insurance can still help protect your loved ones. With so many people in their twenties and thirties struggling with student loan debt, those costs could pass to your parents or loved ones. A term life insurance policy can help them from the burden of paying off your student loan debt.
Myth #2:
Life insurance through my employer is enough
This one is a widespread life insurance myth. Life insurance through your employer is great to have and certainly a nice perk! But the fact of the matter is, it likely doesn’t give you nearly the coverage you need.
Most employer-sponsored plans offer somewhere between 1-3x your annual salary. While that's a start, it’s generally not enough. One common rule of thought suggests that you should have around 10x your yearly income in life insurance to help cover potential needs.
Something you want to check with your employer-sponsored plan is what happens if you quit or get laid off from your job? If your policy does not go with you to a new job, you could have no coverage at all. Having a policy of your own in place helps ensure you're protected.
Myth #3:
It's too expensive
Most people over-estimate the cost of life insurance. One study from LIMRA found over half of Americans think life insurance costs three times as much as it actually does. The same survey found 44% of Millennials estimate that a 20-year term life insurance policy for a healthy 30-year-old would cost $1,000 a year. The actual cost of that policy? About $165 a year, less than a Netflix subscription.
All too often, life insurance is a cost that's put on the back burner, ahead of other financial needs. The real problem with the misconception that life insurance is too expensive is it puts families at risk for financial hardship if the wage earner passes unexpectedly. The reality is, life insurance can be more affordable than you think. Having a policy in place can help protect your loved ones right when they need it the most.
Promise Planning makes it easy to check your price and lock in an affordable rate. You can get started with a free online quote today.
Myth #4:
Stay-at-home parents don't need it
Often with life insurance, the focus may be on the primary breadwinner and finding a policy to help replace their salary. But stay-at-home parents are providing work that's just as valuable, even if they aren't bringing in a paycheck.
According to Salary.com, stay-at-home parents contribute the equivalent of over $179,000 in annual salary to their families. If you think those numbers are eye-popping, think about everything you provide at home and the cost to replace those tasks. Some of these costs include child care, cleaning, transportation, meal preparation, tutoring and more.
If the stay-at-home parent were to pass unexpectedly without a life insurance policy, the breadwinning parent may have to have to cover much of these costs, which could be financially taxing.
Myth #5:
I can't get it because I have a pre-existing condition
Since your health plays a big role in obtaining life insurance, having a pre-existing condition can make it harder to find quality coverage. And with some conditions, it can be more difficult to qualify for traditional policies. That could leave you and your family unprotected.
Thankfully, having a pre-existing condition doesn’t necessarily prevent you from getting coverage—there are options out there. you can apply for life insurance policies with simplified levels of underwriting. This means that the application process is simplified, with no medical exams and only a few health questions asked on the application. These policies are designed to help provide coverage to people who might not qualify for more traditionally underwritten policies.
Myth #6:
I only need 2-3x of my salary worth of coverage
One of the biggest questions people ask about life insurance is how much coverage do they need? There are a few factors to consider, including your debt, income, remaining mortgage and education costs. When you add all those up, you may find your employer-sponsored coverage isn't going to take care of all those needs.
If you have coverage through your employer, it's probably only going to provide between 1-3x your salary. As covered above, that doesn’t meet the common benchmark of 10x your annual salary. So if you're only using your employer-sponsored coverage, chances are it’s not enough. It could leave a pretty large gap between all those costs you might need—mortgage, kids college funds, childcare and living expenses—and what your policy provides.
To help you figure out what you need, We offer a FREE PROMISE PLANNING CONSULTATION to help determine the amount of coverage you need. This consultations only takes a few minutes.
schedule your free Promise Planning consultation today!
Ignore the myths and get the facts
we want to make life insurance both convenient for you and easy to understand. That's why we've created a consumer-friendly life insurance process which helps remove the guesswork and confusion from applying for coverage.
You can do it all online. Filling out our application only takes about 10 minutes. Most customers get a decision on the same day. And best of all? The majority of people who apply for personalized coverage don't need a medical exam. All you need to do is answer a few health questions to get started. Ready to help protect your family in a matter of minutes?
Click here to get a personalized estimate today.
Dive a little deeper into life insurance, and it won't be long before you start to hear some of the life insurance myths and misconceptions floating around.
Although these sometimes pass for conventional wisdom, they aren't always entirely accurate. We believe when it comes to something as important as protecting your family, it’s critical to have the right information to make the best decision.
That’s why we’re providing information to help dispel some of the most common life insurance myths below. Life insurance doesn’t have to be confusing or intimidating—especially when you know the facts.