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CHECK THIS OUT! As of March 22, 2022, Roughly 50 Million Households In The U.S. Are Underinsured – With The Average Life Insurance Coverage Gap At About $400,000. Also... According to Forbes Advisor, the pandemic has a lot of families reconsidering their need for life insurance. Three in 10 Americans said they are more likely to purchase coverage due to COVID-19, according to LIMRA, an industry-funded research company. Wow!! Makes you wonder doesn’t it? 🤔 But there is something besides these facts that anyone in the market for life insurance should be concerned about… And that is, what type of life insurance should you buy? It’s probably the most important question to ask, so that you can avoid finding yourself in the situation that Forbes described above. So I hope I can help you with that by providing a few more facts. Specifically, I want you to know why you should AVOID buying cash value insurance. In fact, you should buy term life and invest your money instead. Here are a few more facts that you should know and understand... ~ Term life insurance is less expensive than cash value life insurance. And you get more income protection with term life insurance because the face value of the policy is greater than a cash value policy’s face value. ~ With a cash value life insurance policy, the money that you put into the so-called “savings account” doesn’t start to accumulate for 3 - 5 years. But if you invest your money instead, your money begins to grow from day one depending on the market. ~ Whenever you need your money from a cash value “savings account”, you have to borrow it, and then pay it back with interest. If you invest your money, you never have to borrow it. ~ Final fact, when you die with a cash value insurance policy, your family has to choose either the face value of the policy or what has accumulated in the “savings account”. They do NOT get both! I’m sure you can clearly see why you should AVOID purchasing a cash value life insurance policy. The facts speak for themselves. It is our intention to ensure that you are well informed when it comes to this very important decision. We know that you want to be sure that your family is properly provided for in the event of your untimely death. We’ve put together a quick training to help you learn how you get more policy coverage with term life and how your money will grow faster if you invest it at a higher interest rate than a cash value account will give you. We even provide a true life event to help drive home this very valuable point. Let me leave you with this from my good friend (wishfully thinking of course 😁) Dave Ramsey... “I recommend Term Life Insurance because it is the most affordable type of protection. Insurance is all about protection - not savings! Cash Value plans are just a waste. If you need access to the savings in your policy you have to borrow it and pay it back with interest. When you die the insurance company pays your beneficiary but keeps your savings. Don’t buy cash value plans. It just doesn’t make sense!” So, go now and watch the training video. You will be so happy that you did.