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A New Pardigm

Years back, I watched a well-known financial adviser's television show.  At the time, I agreed with their views on life insurance. It was said that whole life insurance (particularly universal life insurance) was a waste of time. I subscribed to the "buy term, invest the difference" mentality.  Then I became a life insurance agent. Now I feel a bit differently about the issue. I still believe that some people should follow that advice. I just don't believe this is for everyone. We should all decide how much risk we are willing to take on [when it comes to investments.] If you prefer investments with more security measures than stock and bonds, then considering universal life insurance is not a bad thing. Universal life offers guaranteed minimum interest. In addition, cash values grow tax deferred. In the future people will be thinking more about the long-term growth of money, not the new millennium's need for instant gratification.

Listnening to Your Intuition

Have you ever felt that you should make an important move, but didn't? Have you ever regretted not doing something important? If you answered yes, then you must understand that your intuition was speaking to you [and through you.] Intuition is that voice from within that attempts to direct your actions. When your intuition tells you that you need life insurance, LISTEN TO IT! Even if you don't have money today, you can set up your insurance payments around your paycheck. "Buy now, pay later," so to speak. Now that you have no excuses, what are you waiting for? The time is now.