Insure Your Love 2013

What would you do for love?




Would you secure their financial future?


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

Life Insurance: Difficult Decisions

reprint for Farmers

The difficult discussion?
The important discussion 

According to LIMRA’s 2010 Life Insurance Ownership Study, a study that’s conducted every six years, many U.S. households are underinsured: 

Only 44 percent of U.S. households have individual life insurance.
Half of U.S. households (58 million) say they need more life insurance.
Among households with children under age 18, arguably those with the greatest need for life insurance, 11 million have no life insurance coverage.

Many families find life insurance a difficult subject to discuss, so they avoid it. Perhaps discussing the possibility of a spouse’s unexpected death is uncomfortable, but talking about life insurance is critical to the whole family. Here are some tips that may help you start the discussion and keep it on track: 

* Talk before you’re in a financial crisis — Pick a time when you are both relaxed and keep it positive. Try to discuss it as you would any other family issue or aspect of your financial planning.

*  Make a plan or revise your existing plan — Incorporate life insurance into your overall financial strategy — in fact, you may want to consider making it a primary component.

*  Set a monthly budget — Determine what you can afford and call me. I can work with you so you can determine a realistic strategy that you can stick to.

Although the subject may be difficult or awkward, talking about life insurance may be one of the most important discussions to have. And call me to learn more about the life insurance options that may help protect your family’s future.

Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040

end of article

Always make sure your auto, fire (home, condo, & renters), earthquake, flood, umbrella, and life insurances all properly work together to protect your home, your business, your future.

From the Horse's Mouth: Protecting Your (Furry) Dependents

"What will happen to us when you're gone?"

The following conversation could happen between you and your children, or other dependents, and even with your pets...if they could talk.  

For now, we'll have to let Mr. Ed speak for them all.

Talk with a legal adviser to set up the proper trust document, that way when your life insurance pays out, the money is legally spent to protect and provide for your children, spouse, parents, grandchildren, and yes, pets, as you see fit.  Otherwise, they spend it as they wish.

A will doesn't quite to it right.

Then talk with a Farmers Insurance Professional like myself to set up the life insurance funding (with the right beneficiaries) for those trust agreements.

Kevin Tuckey

3675 Ruffin Rd.

Ste 220

San Diego, Ca  92123

(858) 751-1357

California License #: 0B72553

Some of our other pet related blogs:
Home Safety: Make Your Yard a "No-Bite" Zone This Summer.
Make Pet Micro-chipping a Part of Disaster Preparedness.

Benefits for those who take in Rescue Dogs.  Includes info on "pet trusts".

Other life Insurance themed blogs:
Charitable Giving with Life Insurance.
Life Insurance is Income Protection.
Remembering your Church with Estate Planning.
The greatest need: Single Parents.
Families with Special Needs Children.
British Royal Marine spends a message with his life insurance.
Advanced LUTCF Training for Platinum Elite Team Members.
Life Insurance Awareness Month & Lamar Odom.
The Romance-O-Meter: Insure Your Love.


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or companies mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

$5,000 LIFE Lessons Scholarship Program: Your Chance to Vote

Re-print from Why Farmers Platinum?

The heart of the Platinum Elite Group is the belief that families should be given the right tools to make informed financial decisions, and that too often they are not. Education is the key.  When we make the wrong choice, it's often our families that feel the effects.

When a parent passes away, the prospects of the child going to college become even tougher without that financial, and emotional, support from the parent(s).

Farmers Insurance and the Platinum Elite Group are not affiliated with the non-profit organization, LIFE, but we did want to publicize their scholarship program and help out one of these deserving young people.

Each of them has learned a life lesson the hard way too early in their lives.

The LIFE Lessons Scholarship Program provides financial assistance to students who are having a hard time paying for college due, in part, to the loss of a parent or guardian at an early age. 

By casting your vote, you can make paying for college a little easier for a deserving young person. Each of the three students featured in this national online vote has already been awarded a $2,500 scholarship. Your vote helps determine who will win an additional $2,500 in scholarship money.

Watch all three videos below and then vote for the student who you feel is most deserving of the LIFE Foundation’s top video scholarship. 

The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

Skyler Baird Draper, UT
University of Utah

Vote

Josh Gleim Altoona, PA
Pennsylvania State University

Vote

Mahogany Fleming Cincinnati, OH
University of Toledo

Vote

The deadline to vote is July 5, 2011 4:00PM EDT, so cast your vote today.