Theory of Decreasing RESPONSIBILITY
Now we do that through concept called The Theory of Decreasing Responsibility. As a matter-of-factl we have built our whole business on this concept and if you agree with this theory you will love our company because this is how we built everything.
Now here is what the theory says, it says in the early years…you may need a lot of coverage, and in the later years you may not.
It also says in the early years you may not have money… but in the later years you better have money.
That’s how life works right? So here is basically what that means. It says in the early years you may need a lot of coverage…well why? Because you have young children, high debt, house mortgage and the loss of income would be devastating.
Would you agree?
Now we believe that the way you protect that is with low cost term life.
And you do that right here.
Now as the kids start to grow up and get out on their own… your needs for life insurance start to go down because now you are getting closer to retirement, you have grown children, debts are low, mortgage is paid and now you need retirement money.
So if your insurance is almost down to little or nothing, but you have done the right things with your money…you put a plan to get out of debt and you have accumulated money for retirement… now you have got a lot of money… lets just say you are ready to retire and you have got a million dollars saved, and you have little or no life insurance… you are 65 or 70 years old.
Lets just ask this, if you had a million bucks saved and no life insurance and you died what would the family get?
Now do they care where it comes from?
Have you ever been to a funeral and heard the family complain because the guy left a million bucks and none of it was life insurance? Now if you live… which is the plan, do you want a lot of money or a lot of life insurance?
Right because you cant buy groceries, medicine and airline tickets with life insurance policies.
So our whole goal is to teach families how to accumulate enough money…where you don’t need life insurance at all and become completely self-insured with your own money. Now until that point you get what you need at a low price with term insurance. So what life insurance company do you know of that teaches people how to eliminate the need for life insurance altogether?
Okay and this is what separates us from the pack. Make sense?
Now here is what the theory says, it says in the early years…you may need a lot of coverage, and in the later years you may not.
It also says in the early years you may not have money… but in the later years you better have money.
That’s how life works right? So here is basically what that means. It says in the early years you may need a lot of coverage…well why? Because you have young children, high debt, house mortgage and the loss of income would be devastating.
Would you agree?
Now we believe that the way you protect that is with low cost term life.
And you do that right here.
Now as the kids start to grow up and get out on their own… your needs for life insurance start to go down because now you are getting closer to retirement, you have grown children, debts are low, mortgage is paid and now you need retirement money.
So if your insurance is almost down to little or nothing, but you have done the right things with your money…you put a plan to get out of debt and you have accumulated money for retirement… now you have got a lot of money… lets just say you are ready to retire and you have got a million dollars saved, and you have little or no life insurance… you are 65 or 70 years old.
Lets just ask this, if you had a million bucks saved and no life insurance and you died what would the family get?
Now do they care where it comes from?
Have you ever been to a funeral and heard the family complain because the guy left a million bucks and none of it was life insurance? Now if you live… which is the plan, do you want a lot of money or a lot of life insurance?
Right because you cant buy groceries, medicine and airline tickets with life insurance policies.
So our whole goal is to teach families how to accumulate enough money…where you don’t need life insurance at all and become completely self-insured with your own money. Now until that point you get what you need at a low price with term insurance. So what life insurance company do you know of that teaches people how to eliminate the need for life insurance altogether?
Okay and this is what separates us from the pack. Make sense?