McDowell's & Associates

08/07/2022

MASSIVE

03/01/2022

All Pastor need to see this!

12/12/2019

All Senior age 40-85 & Live in West Texas Area: There is now a State Regulated Insurance Program
That pays for Funeral & Final Expense. This {BENEFIT} COULD PAY YOUR
Funeral & Final Expenses up to $30,000. https://mailchi.mp/cf05753d4ac8/insurance
Guarantee Approval
No Medical Exams, only to have to answer a few health questions,
Payments never increase
Benefits never decrease
Benefits are non-taxable

Enrollment for 2020 is open, click {Learn More} to get {FREE INFORMATION} NOW!
https://mailchi.mp/cf05753d4ac8/insurance

Born Before 1968? Don’t Pay for Life Insurance Before Hearing About This

{Learn More}
https://mailchi.mp/cf05753d4ac8/insurance

04/11/2017

What You Need to Know About Funeral Insurance

Funeral insurance covers the cost of funeral arrangements and services. The idea of having a funeral planned and paid for in advance is a great comfort to many people who don't want to leave the burden to their loved ones after their death.

What Funeral Insurance Covers
There are many different kinds of funeral insurance policies, and most plans are offered through a life insurance agency or even a funeral home. When you purchase a funeral insurance policy, you can generally tailor it to cover all or most of the funeral expenses incurred. Most plans cover the cost of a casket or urn, burial plot or cremation services, headstone or marker, embalming services and funeral vehicles. Many plans also include the cost of flowers, as well as digging and filling a burial plot, which is often a separate charge from the cemetery.

The policy can usually lock in funeral prices at the current rates; therefore, the funeral expenses will be affordable as the years go by. Another advantage is that you can make arrangements for exactly how you would want your funeral to be and make decisions that will spare your family members from unnecessary issues in their time of grief. Funeral insurance works like other insurance
policies in that you select a policy and then pay on it. Some plans require a lump sum payment while others make payment arrangements. Most policies are for a single person or a married couple, but policies can be expanded to cover several family members if needed.

Before You Buy
When shopping for funeral insurance, always research the agency holding the funeral insurance policy. Get all agreements in writing, and keep the documents with other important papers. Be sure to tell family members of the policy and show them where the paperwork is kept. Find out before signing anything whether the funeral services are transferable in case you move. Also, find out about any cancellation policies as well as fees and refunds of funeral expenses.

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TransAmerica created this powerful video that shows the importance of possessing a life insurance policy.

04/10/2017

Five Benefits Of Life Insurance

Getting yourself insured has become a norm, in fact it is a legal requirement in many countries. Life insurance amongst them is a unique financial product. A premium has to be paid to an insurance company which enters into a legally enforceable contract with you. The company will pay you or your beneficiaries particular sum of money if a specific event takes place.

Life insurance comes with countless benefits. It is a mode of protection of your future. It ensures that your heirs will receive specific advantages if your die unexpectedly. The benefits you will receive is subjected to the policies of insurance company chosen but there are some general benefits as well that other financial products cannot offer. Here is a list:
Heirs guaranteed quick cash

The primary objective of life insurance is to generate a sum of money for your designated heirs. Your specified beneficiaries will receive the money even if you die soon after you get the policy. For example you are killed in an accident after a week of paying premiums, the beneficiaries will receive the full benefit.
Secured future

Having an insurance plan must be a part of your personal finances management. Unexpected events and emergencies are certain. We never know which turn our lives might take. With life insurance, you can guarantee a protected future for your family. For example, you are the only bread-earner of your family. The pressure to generate family income after your death will be less once there is insurance. In guarantees long-term financial being.
Savings

Some insurance policies have another advantage. Your cash keeps on accumulating in your policy as premiums are paid. The cash collect interest payments as per the policy. Even the cash available is free of income-tax free. You can withdraw the cash through loans without paying any income tax.
Retirement funds

Everyone wants to secure their future after their retirement. Life insurance can be an effective strategy to add extra retirement income. Either you will buy a proper structured policy spread over years or a policy comprising single large premium. A proper policy will let you receive additional retirement income which can further be used to make investments.
Tax savings and management

Life insurance policies come with distinctive tax benefits as well. Having an orderly structures policy will let your heirs receive benefits income tax free. There is no need to pay income tax on loans you take from your policy, as mentioned earlier.

This is an effective medium for tax management. This allows us to protect our money from excessive taxes as well. But there are some specific rules your account must comply with in order to get such treatment.

Conclusion

All these benefits are received only if the policy is properly structured. There are multitudes of insurance companies like https://finalexpenserightn.wixsite.com/mysite which can offer you distinctive products. This is where life insurance consultants come into play. An advice of life insurance specialist can count a lot.

Full-service insurance agency specializing in top-rated customer service and the best insurance rates anywhere.