How Business Owners Use Life Insurance to Take Care of Their Estate

estate

Many successful businesses are family-owned and operated. You can find family-run enterprises in every industry: manufacturing, construction, real estate, insurance, law, financial services, hotel and restaurant management, and the list goes on. Every trade, every profession. The business often becomes a way to create a family legacy, to achieve a reputation as people of quality, of service and of commitment to one another, their employees, their clients and vendors, and the community.

But when it comes to planning for the future of your business, how do you handle the tricky matter of estate preservation?

The Value of Life Insurance

Many of us know the importance of life insurance for providing for our families, covering loans, or making charitable gifts, but it is equally important when it comes to preserving your estate and equalizing estate distributions.

Family businesses can get complicated. Some children choose to join their parents’ profession and eventually take the company over to continue the family legacy. At the same time, however, many children choose their own paths. This type of situation creates a dilemma for the parents when they create an estate plan. They can certainly leave the business to the child who has decided to join it, but what can they bestow to child who has opted out? In addition, they need to think about strategies to shield their assets from estate taxation. The last thing they want is for their heirs to be forced to sell off properties just to pay hefty tax bills.

This is where life insurance provides a solution. Let’s suppose a business is worth $10 million. The parents can make arrangements to pass on their shares to the child who will carry it on, but they could also take out a $10 million life insurance policy and make their other child the beneficiary. In this way, each child would be the recipients of a gift of equal amount. Any other assets worth more than the available estate tax credit could be protected with a separate life insurance policy.

If this is something you want to pursue, here are three quick tips for using life insurance for estate preservation and equalizing estate distributions:

1. Use The Opportunity To Reflect

Estate planning is all about making sure your life continues to have meaning after you pass away. What was your life all about? What is your legacy? What did you stand for? For whom did you care? People will understand what is important to you by your document declarations, the assets you transfer, and the gifts you leave. Don’t be afraid to throw yourself into the process and make the most of it.

2. Get The Help Of An Expert

Estate planning is both an art and a science. It is also a specialized area of law due to all of the intricate details. When businesses and other significant assets are involved, you need the counsel of an attorney who specializes in estate and business planning so that your plans are legitimized and you can have peace of mind that everything is in order.

3. Research All Your Options

A sophisticated estate plan could meet multiple needs for life insurance. Various products can apply to your situation, such as single life, joint survivorship, term, guaranteed universal life, and whole life. Think outside the box when investigating what will work for you, and make sure your attorney and insurance broker team up to design the proper mix of policies.

Your estate is of utmost importance. You’ve dedicated your life to building something significant so make sure your life’s work and those you love are protected and provided for through life insurance. Let me help you find the perfect policy for all your business needs. Set up an appointment by contacting me at skobrin@stevenkobrin.com. I look forward to hearing from you and helping your business succeed.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to investopedia, view his profile here.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How Business Owners Use Life Insurance to Cover Business Loans

how business owners use life ins loans

If you are a business owner, you know that businesses need infusions of cash on a regular basis. Whether you are starting a business or growing an established company, you need capital to get going. Capital, in the form of cash, is necessary to open the doors of your business. It’s required to expand into a new marketplace. Cash is needed when setting up a new branch or division.

Sometimes you can access this money from currently-owned business assets or accounts, but more often than not, you need outside resources to make your dreams a reality. You have multiple options when it comes to getting a business loan, such as turning to commercial or private lenders and even investors to obtain the capital you need. But regardless of where the money comes from, one thing is consistent: your lenders will want their money back if you default on the balance or die before the loan is paid back.

Why Life Insurance Matters

This is where life insurance comes in. Lenders typically will not close a deal until a policy is in force. They simply don’t want to have to chase down the surviving family members, or the executor of the estate in order to get their balance due. The life insurance benefit will provide the exact amount needed exactly when it is needed. That’s one major creditor that family and business associates don’t have to worry about.

Here are three quick tips for business owners for using life insurance to indemnify a bank loan or other debt:

1. Purchase Your Policy First


Life insurance underwriting can take several months, especially if a history of serious illness has to be reviewed. Don’t wait until the last minute to get prequalified and submit an application. The last thing you want is to be conditionally approved by a lender, only to have to delay closing because your insurance is not yet final. If there is an overlap of time and your banker starts getting antsy, make sure your broker reaches out to him to reassure him that the process is underway.

2. Forget About Loan Protection Policies


Lending institutions will often offer life insurance to indemnify their loans. These products are sometimes called “Loan Indemnification” policies, or “Mortgage Protection” policies. They are simply term insurance with a face amount that decreases as your loan is paid back. But the vast majority of the time, they are more expensive than a straight term policy you can buy in the open marketplace.

3. Choose Your Beneficiary Wisely

Sometimes business owners think the lender has to be the owner and beneficiary of their life insurance. Not only is that not true, but it’s also not a good idea.

Let’s suppose you have a policy for $2 million, to match the initial amount of the loan. After five years, you have paid off $500,000, leaving a balance of $1.5 million. Tragically, you pass away, leaving the loan unpaid. If the bank is the beneficiary, they will get the full $2 million, $500,000 more than they are owed.

The wise choice is to make a family member or other sensible entity the beneficiary and then use a collateral assignment to ensure the lender receives his benefits. When a claim is paid, the insurance company will then make the lender prove the balance due, pay them, and give the beneficiary the rest. In this way, everybody gets what they deserve. As an added bonus, by making yourself, your business, or a trust the owner of the policy, you prevent the lender from tampering with the policy.

As we’ve seen in previous articles, life insurance is vital to the success of a business owner. It protects you, your family, and your business, and gives you peace of mind if unanticipated events happen. With so many details involved in running a business, it’s easy to overlook something like the need for life insurance to pay back loans. Let me help you find the best policy and answer any questions about how life insurance can make a difference for your business. Ask anything by emailing me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to investopedia, view his profile here.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How Business Owners Use Life Insurance to Provide Bonuses to Selected Executives

how-bus-owners-bonuses

As a business owner, you invest copious amounts of time, money, and energy into your employees. Don’t you want your investment to pay off? Employee turnover can be extremely costly to your business, and this is especially true when it comes to key executives.

The Cost To The Business

When you lose indispensable employees, money has to be reallocated to provide for recruiting, training, orientation, and management of a new hire. It can also take a lot of time to ensure that you find someone who is the best fit for the role. The longer the recruitment process takes, the more the business is exposed to a setback.

This is why companies spend significant amounts of money on compensation packages for key executives. The longer they can get these men and women to stay in their employment, the better return they get on their investment in them. Employers are always looking for benefits that can be legitimately offered to selected personnel only. How does life insurance fit into this equation?

Life Insurance As The Answer

Life insurance is frequently at the top of this selected benefit list. If a number of factors fall into place, then the use of this product can be a big win for both the executive and the firm. Here are some factors that will ensure the success of life insurance for this purpose:

  • The executive has a need for life insurance for personal reasons, such as family protection and retirement planning.
  • The executive qualifies for a policy that can provide both significant cash accumulation and a sufficient survivor benefit.
  • The executive is willing to let the firm control policy proceeds.

If your executives meet these criteria, what are some tips to take into consideration?

1. The Importance of Underwriting

The lower the cost of the insurance, the higher cash value and survivor benefit a policy will provide. If the executive qualifies for a comparatively low rate, then additional money can be paid into the policy for use in retirement, as well as for the protection of beneficiaries. If the executive has a chronic illness or another higher-risk factor that drives up the cost of coverage, a policy may still be a worthwhile bonus from the employer. Be sure to contact your life insurance provider to talk through any extenuating circumstances and how they could affect the policy.

2. Seek Advice On Premium Payments


The whole point of this benefit is for the employer to subsidize the cost of a life insurance policy that can have a major impact on the life of the executive. Because these policies can cost substantial amounts of money, the employer will take on a considerable expense in financing them. Make sure your financial experts talk to your insurance advisor about how to minimize the tax impact for both your firm and your executive.

3. Implement Sensible Policy Controls


The primary purpose of providing this benefit is to lock executives into a commitment that protects the business. What kind of stipulations can be applied to ensure the benefit pays off? One option is to build controls into the executive’s contract that give access to increased policy benefits over time. Secondly, provisions can be made to reimburse the employer for their expense while still providing the executive with a lucrative cash account and survivor benefit. Speak to your business advisor to review your options in this regard.

You build your business to be successful and a major piece of that success is in holding onto key personnel. Don’t overlook the importance life insurance can play to ensure loyalty from your chief executives. I am here to answer your life insurance questions and help you find creative ways to protect your business. Ask anything by emailing me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

What I Do and How I Can Help

what-i-do-pdf-kobrin

Do you want to know what sets me apart from other businesses? I am dedicated to putting my clients’ best interests first and making the life insurance process streamlined and clear. My passion is to ensure that my clients have the best coverage possible and find a plan that works for each and every unique situation that comes across my path. My firm goes above and beyond the norm to find policies for even the most difficult of cases.

How Important is Life Insurance?

Because of my experience, commitment, and specialization, I have been fortunate to work with a wide range of clients who refer their friends and family to me. I have a strong desire to help others and see them succeed. Many people do not realize the significant value of having life insurance or they do not believe life insurance is available for or applicable to their situation.

Life insurance is one of the key pieces for your financial future. Without it, your business may suffer or your family may not be taken care of. Let me help you find the best insurance for you and give you confidence and peace of mind for your family and investments. If you have a friend or family member who has questions or needs unbiased advice and guidance along their life insurance quest, please take the time to share the below information. If you’re a client and you’ve enjoyed working with me, I hope you’ll refer a friend, colleague, or family member who may benefit from my expertise and high-quality service. Learn more here.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How Business Owners Use Life Insurance to Protect Against the Loss of a Key Person

As any business owner knows, when it comes to running a company, everyone counts. You can’t bring in money without a salesforce. You can’t count the money without an accounting department. You can’t run the computers without an IT specialist.

You can’t secure the building without security personnel. And you can’t keep the floors clean without the maintenance staff. The same goes for every clerk, administrator, secretary, supervisor, manager, and executive. Your business runs on the shoulders of many people in a variety of positions. Have you made sure that the loss of a key player won’t harm your business?

Why Do You Need This Coverage?

While everyone is integral, some people play principal roles. For example, revenue may suffer if you lose a top salesperson, and investors and shareholders might get anxious if you lose a chief executive. Clients and vendors might get nervous if a key manager leaves, and future production may be jeopardized if you lose a key technician, inventor, scientist, or idea person.

These situations show why businesses insure leading personnel. They take out life insurance to protect themselves against the loss of men and women whose death could impair the operation. The insurance benefit protects you by giving you the time needed to recruit the right replacement. In the meantime, client service continues, bills get paid, and employees have reassurance that the show will go on. Business can take place as normal.

Here are three quick tips for business owners to make the right decisions when insuring key personnel.

Determine the Policy’s Face Amount

How do you value the services of primary employees? Your answer to that question will vary according to the role they play. The service of a key chief executive would be assessed differently than the service of a key technician. Your firm’s accountant or chief financial officer should consult with an insurance company advisor to calculate the appropriate insurance benefit for your situation.

Decide on a Time Period

Key person coverage came about at a time when the main employees tended to make long-term commitments to their employers. Today, many key men and women tend to switch jobs more frequently. If you think that is the case in your business, then term insurance might be more applicable than permanent insurance.

Establish Your Options

What should you do with the policy on a vital person if he or she does leave? You have a number of options to choose from. You could simply terminate the policy, or, if it is a cash value policy, you might be able to surrender it for value. In some cases, the former employer keeps the policy in force and collects the benefit when the former employee passes away. The policy may also be sold for cash in a life settlement depending on the age, medical condition of the insured, and other factors related to the policy.

Your business is built on the shoulders of all those who work for you. How protected are you if one of your principal players passes away? I’d love to hear from you and answer any questions you may have. Ask anything by emailing me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How Business Owners Use Life Insurance to Fund Partnership Agreements

PartnershipAgreementsIt’s a common practice for business owners to take on partners. While there are many reasons behind why you may want to take this step, there are also some crucial things to consider when entering into a business partnership. What legal bases do you need to cover? How can life insurance protect you, your business, and your family?

What a Partnership Looks Like

Some business owners enter a partnership because they need someone to complement their personal strengths. For example, one person could be an expert in operations, the other in sales and marketing. Sometimes professionals with the same area of specialization will join together to serve more clients. In other arrangements, one partner could be passive and responsible primarily for funding, while the other is the active manager of the enterprise.

The partnership could and should be a very structured relationship. A legal agreement should be formulated and should cover all the financial technicalities such as the percentage of ownership, tenure of the partnership, how and when the business is to be valued, etc. It should also plan for events that may dissolve the partnership, such as the death, disability, long-term sickness, or early retirement of a partner.

How Life Insurance Can Help

Life insurance plays a key role in the funding of a partnership agreement. When a partner dies, that person’s spouse or estate will probably end up with his shares of the business. The surviving partners want those shares, but they need money to buy them. Life insurance can provide the exact amount of money to do that at the exact time it is needed. It is typically a much more economical way taking care of things compared to other options such as taking cash out of the business, selling assets, or borrowing from a bank.

What are some integral pieces to consider when using life insurance to fund your partnership agreement?

Finalize Your Agreement

Before you do anything else, get the arrangement finalized before you get approved for your policy. There is nothing worse than getting approved at a great rate, only to delay paying for the policy because the legal work has not been completed. Until it is, you won’t have coverage, and something disastrous could happen that could either raise the price significantly or disqualify you altogether.

Costs Will Vary

Remember that not everybody qualifies for the same price. Each person represents a different risk profile to a life insurance underwriter. Age, gender, smoking status, health history, and a multitude of other factors affect the rate. Don’t expect life insurance to cost the same for each partner.

Explore Your Options

Research your options for policy ownership. In some instances, your business should be the owner and the beneficiary of the policies. In other cases, partners should own policies on one another. Talk this through with your business advisor to make sure your policies are issued correctly and fit your needs.

Life insurance is critical for business owners. It covers you, your business, your partner, and your families, and can be a game changer if the unexpected occurs. Don’t get caught without it. I’d love to hear from you and answer any questions you may have. Ask anything by emailing me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Recent posts, including “Can I Get Life Insurance On My Ex?”

recent-posts2Here are some of my recent posts on the topics of life and life insurance.
As you can imagine, these two topics are very intertwined.

Feel free to comment and pass on. Thank you!

 

“Can You Take Out Life Insurance On Anyone?”
http://www.insurancelibrary.com/life-insurance/can-you-take-out-life-insurance-on-anyone#comment-27317

“Should I pay my cryopreservation cash or via life insurance?”
http://www.quora.com/Should-I-pay-my-cryopreservation-cash-or-via-life-insurance/answer/Steve-Kobrin-1

“What Is Key Employee Life Insurance?”
http://www.insurancelibrary.com/life-insurance/what-is-key-employee-life-insurance#comment-27320

“My mother passed away recently, and I had nothing but a mortgage and $25,000 of life insurance. I’m a 20 year old with one more year of college left, and I have a stable job and I can support myself. What should I do?”
http://www.quora.com/My-mother-passed-away-recently-and-I-had-nothing-but-a-mortgage-and-25-000-of-life-insurance-Im-a-20-year-old-with-one-more-year-of-college-left-and-I-have-a-stable-job-and-I-can-support-myself-What-should-I-do/answer/Steve-Kobrin-1

“What are the pros and cons of going to college?”
http://www.quora.com/What-are-the-pros-and-cons-of-going-to-college/answer/Steve-Kobrin-1

“What Is An Endowment Plan In Life Insurance?”
http://www.insurancelibrary.com/life-insurance/what-is-a-endowment-plan-in-life-insurance#comment-27337

“How do I deal with dishonest people who promise one thing to my face and do something completely different behind my back?”
http://www.quora.com/How-do-I-deal-with-dishonest-people-who-promise-one-thing-to-my-face-and-do-something-completely-different-behind-my-back/answer/Steve-Kobrin-1

“How To Use Life Insurance For Estate Planning?”
http://www.insurancelibrary.com/life-insurance/how-to-use-life-insurance-for-estate-planning#comment-27339

“How Is AD&D Different From Life Insurance?”
http://www.insurancelibrary.com/life-insurance/how-is-add-different-from-life-insurance#comment-27346

“Who Should Be Trustee Of Irrevocable Life Insurance Trust?”
http://www.insurancelibrary.com/life-insurance/who-should-be-trustee-of-irrevocable-life-insurance-trust#comment-27361

“How Do You Renew Term Life Insurance?”
http://www.insurancelibrary.com/life-insurance/how-do-you-renew-term-life-insurance#comment-27362

“Investment insurance: How can get insurance when I Invest in Startup?”
http://www.quora.com/Investment-insurance-How-can-get-insurance-when-I-Invest-in-Startup/answer/Steve-Kobrin-1

“What can I do in the US, while still alive, to make sure that the life insurance company will not renege on payoff to my spouse?”
http://www.quora.com/What-can-I-do-in-the-US-while-still-alive-to-make-sure-that-the-life-insurance-company-will-not-renege-on-payoff-to-my-spouse/answer/Steve-Kobrin-1

“Why Does Everyone Need Health Insurance?”
http://www.insurancelibrary.com/health-insurance/why-does-everyone-need-health-insura

“Can I Get Life Insurance on My Ex?”

http://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-on-my-ex#comment-27322

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How to Escape the Trap of Self-Importance

Are you more important than other people?

Sure, in your own world you are king.

But everybody has their own spheres of influence.

Let’s suppose you act as if yours is more important than theirs.

How would that affect your relationship with them?

A Very Common Pitfall

Marcus Aurelius, philosopher and emperor of Rome (A.D. 161–180), talks about this in his Meditations:

 “From Alexander the Platonist: Not to be constantly telling people (or writing them) that I’m too busy, unless I really am. Similarly, not to be always ducking my responsibilities to the people around me because of ‘pressing business.'” – Meditations, I.12

Self importance is a common and dangerous psychological trap.

A Question of Habit

We can all get a little carried away with ourselves, and tend to think we are more important than we are.

This can work against!

If we place the concerns of other people as second priority, they can place our business as second priority, in return.

Clearly, no man is an island.

But there is so much more to avoiding the pitfalls of becoming self-important:

  • Self importance has many nuances. Most of them are not blatant and direct. They often take the form of subtle tactics to keep people away, and to place what is important to us ahead of what is important to them.
  • Self importance is a habit. We practice it. We develop a certain way of working with other people, and we adopt that as our norm.
  • Self-importance can be overcome by changing habits. We can willfully try to accommodate others, and make their concerns our own. The more we practice that, the more of a habit becomes.

An Especially Important Message for People with Wealth

Many people who have achieved wealth think they are more important than other people.

They think that money makes the man.

They forget all the “little people” who helped them get to where they are.

Ironically, this can mark the beginning of the end, because as people feel alienated from them, they will no longer want to do business with them.

Have You Developed Good Habits?

Each one of us is important in our own way.

We each have a circle of people who depend on us, and upon whom we depend.

Our contribution to them is important.

And their contribution to us is important.

And so it is important to live our life showing that we understand this.

And that takes practice.

What do you think? Have you developed the habit of showing other people that they are important, too?

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Are You the Last of the Big-Time Spenders?

Could you spend $1 billion?

Seriously.

Let’s assume you have it in your pocket right now.

(Feels good, doesn’t it? Kind of bulky. But we’ll take care of that…)

Oh, and here are the rules:

Can’t donate it, and can’t invest it.

You have to spend it.

Takes some really big dreaming, doesn’t it?

Are You Ready for the Challenge?

LaTisha Styles has issued this exact challenge on Youngfinances.com.

“”My fiancé…argued that no one could easily spend one billion dollars without wasting money.
I disagreed, stating that I could spend one billion dollars easily.
So he came up with a challenge.
HOW WOULD I SPEND ONE BILLION DOLLARS?
The challenge is this. Spend one billion dollars. Every single cent.
The conditions: I have to spend it on myself. No donating, no buying investments, none of that. I mean, if I made one billion dollars the first time, starting from zero, I could certainly make it again.
Donald Trump is living proof. He has been bankrupt and earned it all back and more.
Richard Pryor’s character in the movie Brewster’s Millions faced a similar challenge. He had to spend a $30 million inheritance in 30 days.
Faced with this challenge, someone who has never had that much money would find it difficult to figure out how to spend it.
I disagree. I think I could spend one billion.
Once I started looking for ways to spend one billion dollars, I realized that I had to dream big. Really big.””

For sure, to make big money – and to spend big money – you have to think big about money.

Here’s the secret:

Our definition of ourselves, and what is possible for us, limits what we achieve in life.

If we think we can handle $1 billion, odds are we will get it.

Do You Have What It Takes?

Conventional wisdom says, “You achieve wealth and success by visualizing the end results.”

True. But there is more to it than that.

To really make it big, a few other items need to fall in place:

  • Anybody can give be successful. Age, experience, and resources, can either be liabilities or assets, depending on your outlook. Success takes good ideas that can solve people’s problems, and the determination to stick with them.
  • You can’t take it with you. You can certainly spend a boatload of money on fancy toys. However, there will always be a fancier toy to buy next year. Why chase the glitter when the glitter doesn’t last?
  • The best pleasures lie in helping others. Can you imagine having the money to rebuild an entire town after a hurricane or flood strikes? How about setting up a food kitchen to feed the homeless people in an entire city for a year? Or maybe approaching some Third World dictator and literally ransoming 100,000 people to freedom?

Are You Ready to do Good?

In the final analysis, wealth and success are not hard to achieve.

They take doing the right things, for the right amount of time, and in the right way.

The key is making yourself worthy of that wealth and success.

For when they come to you, you need to be prepared to do good things with them.

Are you ready for your success? What will you do when you get it?

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.