term insurance free report-6701000

8/14/2019 Term Insurance FREE REPORT-6701000

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While TERM LIFEINSURANCE is

inexpensive in youryounger years, it

becomes TERRIBLYEXPENSIVE when you are

older.

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FREE REPORTfromDennis Volz

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WHAT KIND OF INSURANCE IS BEST FOR

ME?

If youve read any of our other reports, youll know that even thoughinsurance has been part of our culture for over 100 years, to mostpeople Its still a just a mystery. And because they dont understandit, a lot of people think theyre being ripped off by the Insurance

Industry; aka The Club

I want to end that for you.

I'm an industry "insider": A licensedmember of The Club

Ive been inside the insurance business

for over 25 years and I know it likethe back of my hand: From policy to

claims and back again.

I've sold insurance. I've studied it. I've discovered what makes "good

insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal". Life

insurance is certainly no exception. Placing all your coverage in TERM LIFEINSURANCE can be one of the costliest mistakes you could make.

To help us get started, please answer this question for yourself:

WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE?(IN FORCE means that its paid, current and ready to pay a death benefit if you

should die. )

Well, the obvious answer is: WHEN I DIE!! Of course

OK, when do you plan to die????

The next obvious answer (at least MY answer is) When Im old.VERY OLD.

THE OLDER, THE BETTER!


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AGE Mo Prem AGE Mo Prem AGE Mo Prem

31 $25 49 $55 67 $222

32 $25 50 $60 68 $245

33 $25 51 $66 69 $270

33 $26 52 $73 70 $298

35 $27 53 $80 71 $330

36 $27 54 $89 72 $364

37 $28 55 $98 73 $402

38 $28 56 $104 74 $441

39 $29 57 $114 75 $484

40 $31 58 $127 76 $528

41 $32 59 $152 77 $576

42 $33 60 $116 78 $629

43 $36 61 $127 79 $687

44 $38 62 $140 80 $750

45 $40 63 $154 81 $798

46 $44 64 $169 82 $850

47 $46 65 $185 83 $907

48 $50 66 $203 84 $968

Lets face it. You purchase life insurance really hoping that youre NOT going to use it any timesoon. And you know what? Odds are that you probably wont. Most likely youre going to diewhen youre older Much older. But just in case you dont, you purchase life insurance to

protect the financial future of those you love.

So lets look at the facts of term life insurance. Nothing emotional or prejudged Kind of like

an FBI agent just examining the evidence to see where it leads.

Heres what Term Life Insurance life rates look like. This is just a typical example for a$100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a

hundred different companies. What will be theSAMEfromALL THE COMPANIESis theUPWARD TRENDofthe rates.

-----------------------------------------FACT #1 Term life insurance is not very expensivewhen you are young. Notice how the rate doesnt

even change for the first 3 years.

FACT #2 Term life insurance premiums increase asyou get older. Take a look at the chart. Except for thefirst few years, the rate increases EVERY YEAR.

FACT #3 Term life insurance gets VERY EXPENSIVEwhen youre older. Notice how it increases VERYSLOWLY until about age 50 when it really starts totake off.

FACT #4 The premiums you pay for term life insurance never come back to you. You seeterm insurance is kind of like renting an apartment. Certainly cheaper every month thanbuying a house, but when you leave you leave all your hard earned money with your landlord.

FACT #5 At some point in time, youll look at your monthly premium for your term lifeinsurance and say, I just cant afford this any longer. It usually happens just about the timeyou retire and your income is going down a little and the cost of your life insurance isrocketing through the roof! Check the premium at AGE 71 WOW!

Could be a problem, dont you think?

At age 71 you may not need the insurance any longer. But lets just say that you do. Maybethe house isnt quite paid for, theres some money youd like to leave to family, grandkids,spouse, your church could be a hundred different reasons. The problem is that if you wantto keep your insurance, you probably cant because its just become too expensive for you.

Wouldnt you like to have the option to keep it or not?


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So heres a couple of help questions

for you:

1. Do I want some life

insurance in force when I

die? (probably yes)

2. Whats my best guess of

when that will be? (lets say

you guess 78)

3. How much do I want in place

at that time?

Whatever your answer is for

question 3, THATS how much

permanent insurance you should

have. Consider term insurance to

fill the rest of your needs.

Let me show you how you can have that choice then by making a simpledecision today.

G e t a sma l l p er ma ne n t l i f e i n s u r a n c e po l i c y t od ay t h a tw i l l g i v e y o u op t i on s w he n y o u a r e o l d er .

Heres what permanent insurance can do for you.

1 . Provides you with insurance you can keep for the rest of your life.

2. NEVER increases in premium.

3. Usually allows you to stop paying the premiums just about

the time you retire and REMAIN INSURED FOR THE

REST OF YOUR LIFE.

4. Sometimes you can even have the policy PAY YOU a

monthly income.

(Ill include a few more for you at the end of this section. Look or this

little guy again.

Remember -- Odds are youre going to live and your term insurance isnt going to pay a death benefit for you.But it fills a need when youre young. Generally in your younger years 30-55, youre financial responsibilitiesare high. You have kids, house payments,extra cars, college to pay for, on and on andon

Usually, when you hit 55-60 or so, thoseobligations are MUCH LESS! You dontneed the amount of life insurance you neededwhen you were younger. The kids are out of

the house, you have fewer cars to support,college is done, the house is paid for (ornearly so).

BUT. There will still be expenses tohandle when you die Funeral, maybe some small debts to payoff, or possibly you need to provide an income for your spouseat the loss of you retirement income.

The cheapest way to pay those expenses is ALWAYS WITHSOME LIFE INSURANCE. Much cheaper than drawing

money out of the savings account.

But heres the problem with that

If you need $500,000 of insurance coverage today because yourobligations are still in the fast lane, you probably cant reallyafford to buy all of your life insurance as PERMANENTinsurance.

I f you haven t al r eady det er minedh ow much i nsur ance you need

Get your copy of7 Things You Need To Know BEFORE You Buy Life Insurance

just give me a call or drop me an email

DDeennnniiss VVoollzz [email protected] or go to

www.6701000.com and to the

RESOURCES Page.


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$500,000 or permanent insurance would cost you at least $300-$400 per month.

And heres the answer.

Get the term insurance you need to cover your obligationstoday. Get a small amount of permanent insurance to keepfor the rest of your life maybe $50,000 or $100,000. Drop

the term insurance when it gets too expensive and keep thepermanent insurance.

Life insurance is the ONLY kind of insurance you buywhere youre GUARANTEED to make a claim. Your terminsurance may or not be in force when you die. Yourpermanent insurance will be.

And heres the real rub! TERM insurance is usuallyonly renewable to a certain age and, as weve already seen,then it gets VERY expensive. Even if you decide to pay the

additional premiums, you may live longer than the policycan be renewed.

Heres some more benefits of permanent

insurance if you choose UNIVERSAL LIFE as your policy:

5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay

your insurance premiums.

6. Your policy PREMIUMS are flexible which means that

if you hit a period of financial hardship you can

actually STOP PAYING for a short period of time and

continue to be insured.

7. You can adjust the amount of your coverage up and down depending on your changing

needs. (youll need to be insurable of course to increase the coverage unless youve

planned ahead by adding GIO to your policy. Good to get, but too much to explain here.

Ask me when I see you.)

S o h er e s a l l y ou n ee d t o d o

2 BIG REASONS

TO BUY INSURANCE WHEN

YOURE YOUNG(even before you may really need it)1. Life insurance is cheaper when youre

younger. On the permanent portion of

your insurance plan, the longer you put

your money to work for you, the better

the result!

2. When youre young, youre insurable.

When youre older; maybe youre not.

Were all just one doctor visit away from

NOT being able to buy life insurance. If

youre diagnosed with even a minorailment the cost of your life insurance

can go up dramatically and in some cases,

you wont be able to buy it at all.


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Get the numbers on your own permanent insurance plan. For just the price of a Starbucks aday OR LESS, you can have the peace of mind that comes with owning a permanent insuranceplan that can make your life so much easier when you are older.

NO obligation, no pressure, just take a look then decide.

Just give me a call 619-670-1000 or drop me an email [email protected]

I just need to know three things:1. Your age2. I f you want $50,000, $75,000, or

$100,000 or permanent insurance (youcan choose any amount above $50,000 of

course, but most choose one of thosethree.)

Ill print out an illustration of your policy and meet with you for about 15 minutes andthen let you decide.

And just like the TV commercials tell you.

BUT WAIT ! ! ! ! THERES MORE!!!!!!!!

When it comes to buying life insurance, you should always deal with aLARGE, WELL-KNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you havent heard ofthem, be suspect. I guarantee youve heard of ours weve been at it for over 75 years!Today we have over 7 million life and annuity policies in force. Since 1929 we have beenprotecting American families one policy at a time. Just gowww.DennisVolz.com.

W O W ! K i n d o f i m p r e s s i v e !

I t h i n k so.

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BUT WAIT ! ! ! ! THERES EVEN MORE ! ! !We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. Thats right -- Doesnt matter ifits a claim or a question. You simply call my office number, 619-670-1000 and youll haveaccess to our 24 Hour Customer Response Team and/or to my personal cell phone.

Should you need insurance help while away from home, we have over 1000 claim offices andover 16,000 agent offices across the United States and Canada all committed to giving you

friendly, efficient home-town service (even if youre from California ! )BUT WAIT ! ! ! ! THERES MORE!!!!!!

We also offer free 24 hour online access to your policy information. Our company websiteoffers you more insurance information than your brain can possibly hold. Its all availablewith just the click of your mouse, 24/7/365.

You know what? Theres still morejust a little

HERE IT IS. !

Were a friendly, local office with a licensed, trained team to assist you in every phase of yourinsurance. Weve been in business here in San Diego County for over 25 years.And, BONUS!Whenever you call us during regular business hours, theres NO ELECTRONIC TELEPHONEMENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)

Go ahead. If its during business hours, youll get us; after hours and youll get the CustomerResponse Center. 619-670-1000 !

W O W , y o u s a y ! A n d t h a t s a l l i n c l u d e d a t n o a d d i t i o n a l p r e m i u m ? Y E S !

ONE MORElast one. I PROMISE


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WELL REVIEW YOUR ENTIRE INSURNCE PORTFOLIO whether its with us or not FOR FREE.Face it! Life changes and your needs for insurance change right along with it. Well sit downwith you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in ouroffice, were glad to review your coverage ANYTIME YOUD LIKE Annually, semi-annually,monthly, weekly you ask for it, youve got it.Sometimes its done when you change cars or when you move. Sometimes we do a little mini-review on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more ifthats what it takes. Its all up to you

This is so simple and easy to do.We do all the work for you and in usually less than 30 minutes, youll have

protected your family, their future financial stability, and your peace of mind!

Why somebody wouldnthave their LIFE INSURANCE with us is simply beyond me.

BUT LET ME MA KE A LITTLE EA SIER FOR YOUIn our agency we offer you 5 different ways to pay your premiums. You have your choice of

annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY

So whats so special about SPECIAL MONTHLY, you might ask.

Its special cuz its just so insanely easy.

We set it up for you and your monthly payment comes right out of your

checking account: Same day; Every month.

S o , h e r e s w h a t y o u g e t A FREE, simple process to help you decide if you need any life insurance and, if you do, to help

you get just the right policy for YOUR needs.

A financially strong, been-around-forever Insurance Company (well, since 1929 anyway)

24 hour and nationwide customer service for claims or questions

Online access to your policy information

A local office with a trained team to help you (and NO MENUS WHEN YOU CALL)

A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF YOUR

COVERAGE

Payment options to fit any budget

Well walk you thru the whole process (probably will take less than 30 minutes) Confidence that youre buying the insurance you need: NOTHING MORE, NOTHING LESS

And yep, you guessed it


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All included for no additional premium

If youre still not sure let me make it even easier.

Believe it or not, Ill

PAY THE COST TO COME TO MY OFFICE with some

FREE GA SOLINEThats right.

As a small thank-you when you purchase your LIFE INSURANCE policy in our agency well give you a

pre-paid gas card.

If youre still not sure let me make it FUN.

Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk

you thru the whole thing step by step, but Ill also give you a little bonus for the drive home with a

FREE La t t e f r om St a r b u ck sAs another small thank-you when you purchase your LIFE INSURANCE policy in our agency well give

you a pre-paid Starbucks Card on top of EVERYTHING else

I knowjust too good to be true. BUT IT IS ! ! ! !

And yep, you guessed it

Its all included for no additional premium

It just doesnt get any better -

OR EASIER - than that


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Youve got everything to gain and NOTHING to lose.

I look forward to talking with you soon!

Sincerely,

Dennis Volz10783 Jamacha Bl, Suite 1Spring Valley, CA 91978619-670-1000

This letter contains only a general description of coverages and isnot your insurance contract. Details of coverage or limits can vary.

All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.ALL RIGHTS RESERVED. Copyright (c) 2006 SmarterInsurance Inc -- No part of this document may be reproduced in any form,or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made toverify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Sincethis document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, andpersonal circumstances.

CALL me (619-670-1000),

FAX me (619-670-1121),

[email protected] or go to

www.6701000.com and to the

RESOURCES Page.

term insurance free report-6701000

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