Working Mom

A couple of years back, we are being familiar with traditional life insurance but since a lot of people now is looking for investment, insurance already evolved in different form. Now we already have what we called the "Variable Life Insurance" or VUL. In Variable Life Insurance, there are two components, one is what we called Face Value, where it is the amount of life insured, another component is what we call, the fund value or the cash you invested. These are separate component. (Terms may differ depending on the company) The main attraction of Variable Life Insurance is the protection itself. Once the insured passed away, guaranteed that you will get the death benefit plus the fund value. Once the insured is out of the picture, the family continues on living, they can either use the money to pay debt, source of income or to pay their expenses. I've talked to many clients already and seems to me, that what they are looking for is variable insurance. Regula

Save now and protect your loved ones I've talked to some people and many of them said "pass" on buying life insurance . That's okay, not everybody wants it. You can't insist on something that they believed is not a necessity. But is it really necessary? We may have different perception why we would want a life insurance , and usually though not all, when they hear the word insurance, what comes first into their mind is death. "I'm not gonna die yet, I don't need it." True that you may not need it now. But are you going to buy it, if you think you already need it? Are you still insurable by the time you think that you need it. Life insurance premium becomes higher as we age. While we are still young and earning, and still healthy, this would be the best time to get a life insurance. Some of my clients that I've talked to includes the following why they want to buy an insurance: To protect love ones from paying debt. To provide family