New 2020 Final Expense Life Insurance More Affordable Than Ever.

Here's the perfect solution if you want to protect your family from financial strain even if you are on a fixed income.

Did you know that Social Security hasn't increased their death benefit since the 1950's. Social Security contributes a small death benefit of $255 to every senior to help off set expected costs that come with death.  This was awesome when they started this, but have not made any changes to increase with inflation.  Due to inflation and the cost of living, the cost of a cremation has increased closer to $2,250 in expenses.  Proper burial plans can cost in between $7,000 and $12,000 based on the package purchased. Wouldn't it be nice if your life could be celebrated and cherished with out costing thousands of dollars? Well it can be and here's how.

Here's how to protect your spouse's or children's savings in as little as 24 hours, even if you think you don't need to.
  • These programs pay you an advance benefit when the doctor concludes you have less than 12 months to live.  This provides you with immediate cash flow to take care of expenses, take that last trip on your bucket list, and help your family prepare for whats to come. 
  • Avoid taking from your spouses fixed income, so that they can grief without breaking the pocket book.  This will allow them to save their retirement cash flow to survive on and can even provide them with extra cash flow to supplement the lost income from the lost Social Security checks.
  • You can use life insurance to cover final expenses and estate taxes; leaving the equity in your house and other assets to your survivors.
  • ​You can use life insurance to protect from taxation and penalties from early withdrawals in your retirement accounts.  Most people don't think about what happens to their IRA's and 401Ks when they pass.  Who ever is listed as the beneficiary will be subject to paying taxes and penalties upon receiving those assets.  Give your survivors the unfair advantage over the IRS by leveraging life insurance. 
  • ​And the BEST NEWS there is No Medical Exam and No Lab Results, this means No nurse, No needles, No urine samples, and No surprises.
  • ​Immediate coverage from day one with carriers competing for your business.  Who will provide the most value to you and your loved ones, that's where I come in.  I will be taking your order and finding the best carriers that meet your wants, needs, and most of all your budget! 
  • No Medical Exams
  • ​Same Day Approvals
  • ​Tobacco Users Accepted
  • ​Affordable Monthly Premiums
  • ​Personal Representative
Introducing Nate Wissinger, your insurance specialist and field underwriter for Mohave County.
Nate Wissinger
Licensed in Arizona
License # 19208288
Having a financial background, Nate has seen the value life insurance merits each individual family from the policy owner to the beneficiary.

He prefers hard numbers, facts, and helps you understand the importance that a tax free benefit secures.  It is useful for retirement, passing revenue on to a spouse and/or children, covering final expense costs or taxes, and he explains it so well that anybody can understand its usefulness.

He has knowledge in real estate markets, traditional retirement accounts, Index market strategies, and guaranteed streams of income.  I would strongly encourage consulting this young man as he could add calculable value to your estate, net-worth, and family plan.

 - His grandfather
You can change your strategy today or wait until next year to be in the same spot.

If Only Time Stood Still...

It was September 22, 2014 just 7 days before her birthday.  At 9:00 a.m., Monday morning, I was heading to Las Vegas for a business meeting, when my phone rang.  I saw it was my father, and I knew exactly why he was calling.  My grandmother who had been battling Alzheimer for 8 years had made her peace and passed on.  I was half way to Vegas at this time heading into a 10 o'clock meeting.  I remember feeling jumbled up inside because I was working and hadn't had the chance to say good bye.  We get so busy with life that we miss the little moments that we wont get back. 

My grandmother was an angle to say the least.  She inspired us all and held our heads up when we needed it most.  She was definitely the glue to our family and kept us all together.  Every weekend if we did not attend our family lunch, we would be scolded with a lesson of what's important.  To her, family was the most important thing and if you weren't working that day, you better have been sick and in bed, or been at the family gathering.  There was no in between. I cherish that trait from her the most, she was a true gem.

Sadly when a loved one passes, time does not stand still.  When my grandmother passed that morning hospice had to be called, they had to notify the hospital, take her in to diagnose, and record the time of death.  My grandfather had already taken care of the necessary expenses before leaving work to take care of her full time.  The ceremony and cremation was paid for out of my grandfathers savings and because money was limited he could not afford a proper burial.  There are benefits to having a cremation, the expenses are cut down more than 80%.  Although at times I know having a headstone to go visit and talk to would have been beneficial to my mind state. I don't say this to be selfish, but to impress on the importance of seeking guidance from the faithful. 

I say all this to understand the importance of family, to cherish the memories, and stay fond of each other, even after the grave.  But when our time comes, we don't have the option of making time stand still.  We become so busy working to support our growing families, that we take time for granted.  My grandfather took care of the expenses out of his retirement savings and decided to go back to work after she passed.  He just turned 90 years old and is still in great shape, he retired for the 3rd time last year and is enjoying life every day, he is a true inspiration and has a lifetime of great stories to share.  I cherish them with ever spoken word.

I urge you to call your family together and have the conversation.  We never like to talk about death, but its important to have a plan, to think ahead even if its uncomfortable.  If you can save your family thousands of dollars and leave something behind to inspire them, you will feel better about having a plan than if you had not.  So let's see which plan works best for you and yours and I'll see you on the next page. 

Stay humble and kind,

Nate Wissinger
Senior Benefits at Family First Life
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