Life Insurance Through Time






LOOK:                       FRESH & CLEAN


OUTLOOK:               BRIGHT

APPROX. RATE:        $11 - $12 / MO

You're young, carefree and probably think you're going to live forever. At this point, Life insurance us just something old people to think about, right?


LOOK:                       BUSINESS CASUAL

INCOME:                  ON THE WAY UP

OUTLOOK:           ...

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Planning For College?

Planning for College?

We are parents.

And as parents, we love and want what's best for our kids.

Raising a kid in today's society isn't easy. There's all kinds of new dangers that we have to watch out for that our parents didn't.

One of the biggest concerns  to this generation of kids is the rapidly rising cost of College.
According to Forbes a $10,000 College Education in the year 1986 would cost $59,800 in 2015.
That's over 2.78 times the Inflation Rate!

The Good News is: That's not stopping kids from attending college. As more students than ever before are pursuing higher education. The bad news is: They're being forced to pay for their tuition with borrowed money. 

And today's college graduate is striking off into the real world:

Bright Eyed, Bushy Tailed and already buried in an average of $35,000 of Student Loan Debt.

Now $35,000 sounds like a lot....  but not entirely unmanageable right? After all, they have their whole career in front of them. And plenty of...

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Fixed Indexed Annuities - Explained


In the past, Retirement Planning used to be a lot EASIER. Your Parents and Grandparents work on a company for their whole careers and upon retiring were paid a pension that continued to provide them an annual income every year of their retirement no matter how long they live.

Simple Isn't it?


However these days, Pensions are all but extinct as the burden of retirement planning has shifted from the Employers to the Employees. Now that they are responsible for their own retirements, many workers are looking for ways to recreate the annual income stream that traditional pensions provided without having to worry about running out of money at their retirement.

For these folks, annuities are an attractive option.

Annuities are an investment vehicles  that generally offer safety from loss, while providing the ability to grow money which you'll annuitize at retirement. Basically turning what you've accumulated into a life long income stream that is guaranteed to last as...

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What If?

Written for Financial Advisors of America CONNECTIONS Client Newsletter by Rick Drazien


Asking or answering what if questions can sometimes be fun. For example, what would you do if you won several millions of dollars in the lottery? Coming up with an answer is a more thought provoking exercise when the question addresses your families emotional and financial peace of mind for surviving the “what if” crisis with planning that can be implemented before the “what if” ever happens.

Most clients have some form of life insurance to provide their loved ones with enough funds to continue on after they have died. It is no surprise, therefore, that most think if it as death insurance. We believe that if life insurance is going to also help you and your family survive and thrive while you are living, and life happens, it must contain “LIVING BENEFITS”. Does your coverage include that feature?

The statistical evidence is staggering....

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Living Benefits : The New Kind of Life Insurance

Did You Know?

That the actual cost of a major heart attack treatment  including the medical and non-medical costs is over a $1,000,000?

Yep! That's right! This amount is something that your Health Insurance Policy might not be able to cover. 

According to our studies, throughout the country, the biggest financial threat that families and small business face is actually suffering from a critical illness

Further studies shows that 60% of the bankruptcies that occur are caused by medical costs/treatment from a major disease or illness. Surprisingly, the majority of these people actually possessed a Health Insurance Policy. So how did it happen?

There is a misconception about Health Insurance Policy, not everything can be covered by it, it is a FACT. Most of the people who have acquired Health Insurance Policies were confident that every health issues that will arise will be dealt by their Insurance policy, which didn't come out as they expect it to be.

As a person...

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