Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

September Newsletter

Financial Facts

September 2015

DEATH VERSUS DISABILITY

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
Disability
Disability
Disability
Death
Death
Death
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?

MESSAGES
from the Masters…

SEVEN KEYS FOR JOYFUL LIVING!

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
615-666-7217
bsnyderinsurance@gmail.com
http://finsecurity.com/Billy

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.

QUOTES
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.

Thanks!

Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

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…]

Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

“Do without”. Three myths about life insurance that will make you tell your kids this.

begging, spare change, please help so I won't do without

Can you please spare some change so I don’t have to do without?

 

Do without. That’s what happens to the kids when you don’t have any life insurance.

Did you read that? If not, click on the link and read it. You need to hear it in his words.

Have you ever been in a convenience store and seen a jug or jar on the counter with someones picture on it with the words “Please help the family pay for the burial expenses”? I have, and let me tell you, it absolutely kills me when the family tells me they didn’t think they needed it or couldn’t afford it, and in most cases, they would be wrong on both counts.

A kid shouldn’t have to do without because his parents didn’t own life insurance, but it happens every day. For the price of a cold drink or a pack of cigarettes, your family could have at least enough to pay for the funeral.

Imagine the humility a child would feel when they went into that store and saw his mom or dad on the picture of that jar! One of the most humiliating things a kid could ever go through would be to know that his family had to beg just to pay for the burial.

As a parent, I think this should be a top priority. You have a personal responsibility to your children and while it may not be as glamorous as the latest smart phone, big t.v. or new car, a life insurance policy will have a much more important, longer lasting benefit. All those other things are nice, but for as little as the price of one soda a day, your kids could have some financial security and you would have the peace of mind knowing that if the unexpected were to happen today, at least they would still have their dignity.

So what are the 3 myths about life insurance? Here they are: [Read more…]

Ask the expert week – this week only

radio microphoneI want to invite you to ask the question that is most on your mind when it comes to your financial future. I am hoping you will take advantage of this offer as it is only open for this week. If I use your question in my next blog post I will be sure to thank you personally. Please fill out the form below to ask your question today!

These are the 5 most expensive medical conditions for life insurance shoppers | LifeHealthPro

Avoid these health conditions

Alert! These medical conditions can cause higher life insurance rates.

Which health conditions raise life insurance rates?

These are the 5 most expensive medical conditions for life insurance shoppers | LifeHealthPro.

Can you lower your life insurance costs? Absolutely!

Exercising, eating a healthy, well balanced diet, no tobacco, moderate drinking, etc… All these activities and choices will benefit you in multiple ways. Besides being healthier, you will have more money and live a longer more productive life.