President's Statement
Your Most Valuable Asset
By
Tom
Young
Nothing is certain
except change.
That's why insurance protection can be your
most
valuable asset. For a few dollars per month, you can protect your
health, your cash flow, and your assets.
Before I retired in 1997 . .
.
I found great
satisfaction at being a Registered Representative, Financial
and Estate Planner, for one of the most highly respected financial
institutions in
the United States,
When I met with prospective
clients and one on one and in seminars,
I found a great
void
between an understanding of
value of insurance protection to cover losses in the event of an
unexpected occurrence, and as preparation for
retirement income.
Most people hate paying
insurance premiums.
It seems to be an unnecessary burden
. . .
until
something happens. Recently, my cousin's apartment building caught
fire. She is young and didn't realize the importance of renter's
insurance. Now she has to replace furnishings, clothes, collectibles,
personal and other items acquired over a considerable period of time.
In addition she has to pay for moving and storing everything
she salvaged. Her rent at a new place will also be higher. She now
understands the importance of insurance and has vowed to never make the
mistake of not having proper coverage again.
Some types of insurance
are for temporary protection only . . .
- term
life, homeowners,
auto, health,
renters, business interruption, etc.
Then there are permanent
insurance types such as;
Whole Life, Adjustable Life, Universal Life, Disability, etc.
These types of coverage are the cornerstone of financally preparing you
for
adequate retirement
income as well as protecting your most asset, which is the continuation
of your income stream no matter what happens.
I decided to build this
website from an objective viewpoint.
Thus allowing me to give you a basic
understanding
of many types of insurance and how it works without having a personal
interest in your decision making process.
I am a retired Financial Planner
which included being
an Insurance Agent, and Registered Representative.
I
learned a lot about human nature by having met with, at the very least
300 people per year for over ten years, I know how skeptical people
are when
someone is trying to sell them something that they don't understand. I
wouldn't dare say that this site is comprehensive when it comes to all
the possible aspects of insurance, such as the tax benefits and the
intricate uses of those benefits in financial, estate and retirement
planning.
When I was active in the industry, I enjoyed conducting seminars, studying Chartered Financial Consultant (ChFC) courses, and meeting with individuals and families from all walks of life. Now I am thrilled when people tell me how much taxes they saved, how much additional retirement income they get and the other benfits they have derived from attending the seminars, and one on one financial planning sessions. (300 people per year is probably a gross understatement).
There is an old adage in sports and in life, "Sometimes the best offense is defense". And so it is with owning insurance.
I sincerely hope this website will be of benefit to you. So, feel free to explore these pages until you get a better understanding of insurance products and find that which you are seeking for your protection and protection of those you love.
Sincerely
yours,
Tom Young
President
P.S.
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