Happy Thanksgiving 2015


Thanksgiving table is full.

Thanksgiving is a time to reflect on all of the blessings we have received this year.

This Thanksgiving, I am thinking about my family and the new additions to it. I think about the good health that we are in and having a roof over our head, a pillow on our bed and a table with some food on it.

I have a lot to be thankful for and right now, I am thinking about my clients and customers.

Without you, I would not be able to fulfill my purpose in life: to serve with honesty, integrity, compassion and love.

So thank you for allowing me to serve you. I am truly thankful for you.


Billy and the family at B Snyder Insurance.


October Newsletter, Retirement

So, you’re thinking about retirement? The October Newsletter can help…

Retirement In October on the lake.

Enjoy your retirement on the lake.

The word “retirement” means different things to different people. Regardless of the vision you have for your retirement, it’s an event that can produce much satisfaction when you have a blueprint for what a successful retirement will mean to you.

Without a plan, however, including an assessment of your retirement readiness, retirement can become a period of anxiety, as you worry about whether your finances can sustain you through a potentially long retirement.

For example, let’s take a look at the top five financial risks you’ll face in retirement:

[Read more…]

Mortgage insurance from your bank?

When you pay for an mortgage insurance policy from your bank, you expect it to pay off if you pass away, right? What could really happen will probably shock your socks off!

socks blown off

An excellent article on Linkedin by Sean Patterson, Marketing Director – World Financial Group, shares what your banker won’t tell you about mortgage insurance. You can read it here.

Never thought about it like that, huh?

When you get a mortgage insurance policy, dosen’t it make sense to get it from a licensed insurance professional? Of course it does!

[Read more…]

September Newsletter

Financial Facts

September 2015


Is This a Gamble You Want to Take?

Risk of Disability for 3 Months or Longer versus Risk of Death Average Duration of a Disability Lasting Over 3 Months Prior to Age 65
1.63 to 1
1.27 to 1
1.71 to 1
Age 35 Age 45 Age 55
2.2 years
2.9 years
3.4 years
2.9 years
Age 25 Age 35 Age 45 Age 55

Source: Commissioners Disability Table A

According to a study published in Health Matrix: Journal of Law-Medicine, “half of all foreclosures have medical causes.” In addition, based on this study of homeowners going through foreclosures, “half of all respondents (49%) indicated that their foreclosure was caused in part by a medical problem, including illness or injuries (32%), unmanageable medical bills (23%), lost work due to a medical problem (27%), or caring for sick family members (14%).”

Source: Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosure, Health Matrix: Journal of Law-Medicine, Vol. 18, No. 65, 2008 (last revised June 12, 2009)

What steps have you taken to protect your income…your earning power… in the event of a disability?

from the Masters…


by Chris Widener

Here are some thoughts for finding and experiencing joy in your life. If there was one thing I could wish upon my family, friends and the readers, it would be joy in everything they do!

Know your purpose. Nothing will bring you joy more than knowing what it is that you are about on this earth. Not knowing brings sadness, wondering, fear and lack of fulfillment. Above all, find out what your unique purpose is here on this earth – then fulfill it! As you do, you will experience joy!

Live purposefully. This is a follow up to number one. It is one thing to know your purpose, but then you need to live according to that purpose. This is a matter of priorities. Let your actions and schedule reflect your purpose. Don’t react to circumstances and let them cause you to live without your purpose fully in sight. Living without your purpose will cause frustration. Living purposefully will bring you deep satisfaction and joy!

Stretch yourself. Don’t settle into the status quo. That will leave you unfulfilled. Always look to stretch yourself. Whatever you are doing, stretch yourself to do more! Stretching yourself will break the limits you have set for yourself and will cause you to find joy in your expanded horizons!

Give more than you take. It brings happiness to accumulate. It brings joy to give away. Sure, getting the car you worked hard for will bring you a sense of satisfaction and even happiness. But it won’t bring you joy. Giving something away to the less fortunate will bring you deep, abiding joy.

Surprise yourself, and others too. The words here are spontaneity and surprise! Every once in a while, do the unexpected. It will cause everybody to sit back and say, “Wow, where did that come from?” It will put a little joy in your life, and theirs.

Indulge yourself sometimes. Too much indulgence and you are caught in the happiness trap. Looking for the next purchase, celebration, etc. to bring you a little “happiness high.” But if you will allow yourself an infrequent indulgence as a reward for a job well done and a life well lived, you will appreciate the indulgence and experience the joy of it.

Laugh a little – no, a lot! Most people are just too serious. We need to laugh a little – no, a lot! Learn to laugh daily, even if you have to learn to laugh in bad situations. This life is to be enjoyed! The next time you go to the movie rental store, get a comedy and let loose! Let yourself laugh!

Joy can be yours! Look for it, pursue it and enjoy it!

Brought to you by:

Billy Snyder
B Snyder Insurance
343 Deer Park Lane
Lafayette, TN 37083-6206

About our firm:

B Snyder Insurance offers a full array of insurance and retirement planning using life insurance and annuities. Our goal is to understand the unique needs of each client and to work closely with our clients in developing and managing a plan to help them accomplish their financial goals. We develop plans for business owners, doctors and other professionals, homeowners and families to insure their future today and reduce their taxes for tomorrow.

from the Masters…

On Learning

“No one limits your growth but you. If you want to earn more, learn more.”

-– Tom Hopkins

“With life-long education, learning becomes a renewable resource.”

-– Nido Qubein

“Learning is the beginning of wealth. Learning is the beginning of spirituality. Searching and learning is where the miracle process all begins.”

-– Jim Rohn

“Intellectual capital is the most valuable of all factors of production.”

-– Brian Tracy

“It’s what you learn after you know it all that counts.”

-– John Wooden

On Overcoming the Negative

“I keep the telephone of my mind open to peace, harmony, health, love and abundance. Then whenever doubts, anxiety, or fear try to call me, they keep getting a busy signal – and soon they’ll forget my number.”

— Edith Armstrong

“De-program yourself. The news is not the news. It is the bad news. It is deliberately shocking. The more you accept it as the news, the more you believe that ‘that’s the way it is,’ and the more fearful and cynical you will become.”

— Steve Chandler

“Issue a blanket pardon. Forgive everyone who has ever hurt you in any way. Forgiveness is a perfectly selfish act. It sets you free from the past.”

-– Brian Tracy

The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals. The information provided is general in nature and should not be considered complete information on any product or concept described.

For more complete information, please contact my office at the phone number above.

Published by The Virtual Assistant; © 2012 VSA, LP

We don’t want to add to your e-mail clutter! If you do not enjoy my newsletter, just reply to this e-mail and ask to be removed or call my office.


Mortgage Protection with Living Benefits

Did you know that the number one reason for bankruptcies and foreclosures is unexpected medical bills? Do you need a mortgage protection policy? YES!

Especially if your mortgage protection policy has living benefits.

mortgage protecton policy

Knowing you have a mortgage protection policy is like having a parachute protect you from a hard landing.

A mortgage protection policy will help provide money for the bills and other unexpected medical expenses if you were to have a critical illness like cancer, heart attack or stroke.

Critical illness, heart attack, living benefits

Critical illness like heart attacks may keep you out of work for up to a year.

It could also help if you have a long-term illness that would keep from being able to earn a paycheck,

chronic illness, living benefits, mortgage protection

A chronic illness prevents you from living a normal life.

or a terminal illness that you aren’t expected to live through.

Terminal illness, living benefits, mortgage protection policiy

The result of a terminal illness is certain, but when it happens, is not.

What is a mortgage protection policy? It is a term life insurance policy that you don’t have to die to use. As you know, most life insurance policies simply pay out the benefit after you have passed. There are some that will have a rider or clause that will pay most of the benefit if a doctor certifies that you have less that one year to live.

But, what if you get really sick and don’t die? What if you’re out of work for a couple of months to a year or more? Who’s going to pay the bills if you can’t earn a paycheck?

Could you afford to pay the mortgage, car payments, credit cards, utilities and put food on the table if you lost your income? Most couldn’t. An overwhelming majority (90%) of our nation’s middle-income Americans say they are not financially prepared for a critical illness diagnosis, according to a new study released by Washington National Institute for Wellness Solutions (IWS). Additional info here.

Even with two paychecks in the home, most families need both just to keep a roof over their heads and if you lost your income while you were recovering, how would you survive?
With a mortgage protection policy that has living benefits, you could get part of the death benefit ahead of time. So, how does it work? Let me explain:

[Read more…]