WEBVTT - WHAT'S THE BEST TYPE OF LIFE INSURANCE?

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<v Speaker 1>All right, So we'll just ask everybody just to mute yourself,

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<v Speaker 1>if you can mute yourself, and then we'll call on

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<v Speaker 1>people individually. And then obviously you become unmuted when you

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<v Speaker 1>get called on. But if you're not talking, if you're

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<v Speaker 1>not called on, please mute yourself. That would be beneficial.

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<v Speaker 1>All right, Can we can get started?

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<v Speaker 2>All right?

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<v Speaker 3>I have been coming to you.

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<v Speaker 4>I meant yourself.

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<v Speaker 5>Please, what's going on y'all?

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<v Speaker 3>Me?

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<v Speaker 4>Okay, yeah, I can hear you?

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<v Speaker 5>All right. I had a question about uh, I had

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<v Speaker 5>a question about life insurance. I know I'm trying to

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<v Speaker 5>be invested in the stock market, but at the same time,

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<v Speaker 5>I only have life insurance through my job, which is

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<v Speaker 5>like maybe about twenty thousand if I pass away. I

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<v Speaker 5>don't know if you know, if it's on the job

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<v Speaker 5>or not. But I'm not sure what to get and

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<v Speaker 5>how to go about getting.

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<v Speaker 2>You know what I mean.

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<v Speaker 5>I'm on thirty two and I got a four year old,

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<v Speaker 5>so I want to make sure she's straight, okay, because

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<v Speaker 5>I know you said something about don't invest to the

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<v Speaker 5>stock market and sell you out of day. I got

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<v Speaker 5>about five thousand credit card there, but I'm working that

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<v Speaker 5>down as a speech.

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<v Speaker 1>For sure, we appreciate the question, Troy, I get a

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<v Speaker 1>pen this pencil broke. Well. The first thing I would

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<v Speaker 1>say is that group life insurance is what you have

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<v Speaker 1>at your job. It's always beneficial to sign up for

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<v Speaker 1>your job's life insurance plan because usually it's like next

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<v Speaker 1>to nothing as far as the premiums, Like you might

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<v Speaker 1>be paying like thirty dollars a month or ten dollars

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<v Speaker 1>a month for your.

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<v Speaker 4>Life insurance, so it's not that much.

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<v Speaker 1>Yeah, the risk of war ratio is pretty you know,

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<v Speaker 1>it's only your favorite as far as that's concerned. But

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<v Speaker 1>the downside we're having that as your only life insurance

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<v Speaker 1>is that magnet.

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<v Speaker 4>Can you just mut it? Can you mute everybody? Thank you?

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<v Speaker 1>The downside with having that as your only life insurance

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<v Speaker 1>is that a most of the time it is not portable,

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<v Speaker 1>meaning you can't take it with you. And also you're

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<v Speaker 1>limited as far as how much insurance you can get.

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<v Speaker 1>Usually it's like one or two times your salary, and

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<v Speaker 1>most of the time it's usually like group term. They

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<v Speaker 1>don't really give you too many options. So getting insurance

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<v Speaker 1>outside of that, the first thing that you want to

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<v Speaker 1>do is figure out you know how much insurance you need.

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<v Speaker 1>That's that's the most important thing. So how you how

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<v Speaker 1>you figure out how much insurance you need is a

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<v Speaker 1>couple of different ways. But you know, one of the

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<v Speaker 1>quick easy ways to go about it is to see

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<v Speaker 1>how much money you make and then you either like,

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<v Speaker 1>you know, ten times that at least ten times that. Well,

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<v Speaker 1>if you really want to be really aggressive, you know

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<v Speaker 1>you can twenty times that. So, like, let's say you

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<v Speaker 1>make one hundred thousand dollars a year, and like I said,

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<v Speaker 1>everybody's situation is different, but on average you probably would

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<v Speaker 1>have to ten xta. So that's a million dollar life

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<v Speaker 1>insurance policy. Right, So now you have to say, Okay,

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<v Speaker 1>how do I work my way into what's affordable to me?

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<v Speaker 1>So now let's say you decide that you need a

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<v Speaker 1>million dollars worth of life insurance. You might have one

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<v Speaker 1>hundred thousand dollars at your job already, so now you

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<v Speaker 1>need an additional nine hundred thousand. So then the next

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<v Speaker 1>thing is you know what's affordable as far as premium

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<v Speaker 1>is concerned. So there's gonna be two types of life insurance.

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<v Speaker 1>For the most part, you can get term insurance and

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<v Speaker 1>permanent insurance. Term insurance is going to last the amount

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<v Speaker 1>of years like ten twenty, and.

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<v Speaker 4>Permanent insurance is going to last your whole life permit.

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<v Speaker 1>Permanent insurance has different names, but most popular whole life

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<v Speaker 1>insurance Universal life insurance. So the difference between term insurance

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<v Speaker 1>and whole life insurance is that a term in shurant

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<v Speaker 1>is only going to last for a term ten twenty years.

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<v Speaker 1>It builds no cash value, like there's no money that

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<v Speaker 1>you saved while you're paying it. So the benefit is

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<v Speaker 1>that the premiums are lower. So like let's say you

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<v Speaker 1>have a million dollar term policy. Depending on your health

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<v Speaker 1>and your age, you could possibly be paying forty dollars

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<v Speaker 1>a month for a million dollar term insurance policy. So

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<v Speaker 1>that's very affordable for most people. But the downside to

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<v Speaker 1>that is that it's going to run up and most

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<v Speaker 1>of the time you're not going to die within that term.

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<v Speaker 1>Like if you're thirty five years old and you're healthy,

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<v Speaker 1>you are probably going to live longer than twenty years. Now,

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<v Speaker 1>it's not guaranteed anybody could pass away. They didn't give

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<v Speaker 1>it a moment, but just.

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<v Speaker 4>The odds are that you probably.

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<v Speaker 1>Will live longer than that term, So that means that

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<v Speaker 1>now you pay premium for twenty years, but you don't

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<v Speaker 1>get anything back from that.

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<v Speaker 4>Where a whole.

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<v Speaker 1>Life policy, the premiums are higher, like let's say a

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<v Speaker 1>million dollar policy. For a whole life policy, premiums might

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<v Speaker 1>be six hundred seven hundred dollars a month, So that's

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<v Speaker 1>that's higher, but it lasts your whole entire life, meaning

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<v Speaker 1>it's not going to expire, and it also builds us

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<v Speaker 1>called cash value. Cash value you can kind of look

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<v Speaker 1>at it like equity in the house.

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<v Speaker 3>With This episode is brought to you by P and

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<v Speaker 5>Sponsored by the United States Department of Homeland Security.

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<v Speaker 1>Hey, you have money that grows inside of a policy,

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<v Speaker 1>and you can actually borrow from that policy down the line,

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<v Speaker 1>and you can vow from and you can use that

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<v Speaker 1>money for a variety of different things. You can use

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<v Speaker 1>that money to pay for your kids college. You can

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<v Speaker 1>use that money to buy a car, to put a

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<v Speaker 1>down payment on a home, or anything that you want,

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<v Speaker 1>you know, start a business, whatever.

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<v Speaker 4>So it's another form of savings.

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<v Speaker 1>So from there, so like I said, so from there,

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<v Speaker 1>you want to see, okay, what's affordable in my budget.

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<v Speaker 1>And it's always good to work with an insurance agent

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<v Speaker 1>because the insurance agent will you know, help you with

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<v Speaker 1>this whole process and just kind of understanding it. But

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<v Speaker 1>usually you don't want to really go over two point

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<v Speaker 1>five at the most, probably five percent of your income

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<v Speaker 1>and insurance premiums. So like, once again using a round number,

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<v Speaker 1>if you make one hundred thousand dollars a year, two

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<v Speaker 1>point five percent of that would be twenty five hundred

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<v Speaker 1>dollars a year. So you know, if you're spending twenty

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<v Speaker 1>five hundred dollars a year on your insurance, then that

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<v Speaker 1>should be you know, probably probably what you're maxing out at.

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<v Speaker 1>So that twenty five hundred would be around two hundred.

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<v Speaker 4>Dollars a month.

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<v Speaker 1>That that for most people, that should be affordable if

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<v Speaker 1>you're making one hundred thousand dollars, not like I said,

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<v Speaker 1>you can be making one hundred thousand dollars and not

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<v Speaker 1>have any money, or you can make it one hundred

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<v Speaker 1>thousand dollars and have you know, ten thousand dollars a

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<v Speaker 1>month left over if you don't have any expenses at all.

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<v Speaker 1>Everybody situation is different, but just on average because you

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<v Speaker 1>don't want to put all your.

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<v Speaker 4>Money into insurance. You want to do other things.

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<v Speaker 1>You want to you know, put money into your four

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<v Speaker 1>one K, put money into your child's account, put money

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<v Speaker 1>into an investment account, pay off your debt.

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<v Speaker 4>So the only way to do that is to really,

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<v Speaker 4>you know, do something that's affordable.

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<v Speaker 1>So then you can look at the situation from a

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<v Speaker 1>more educated standpoint to say, okay, this is a man

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<v Speaker 1>of insurance that I need. This is the budget that

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<v Speaker 1>I feel comfortable with, and then you can do okay,

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<v Speaker 1>I'll start off with term and then you know, switch

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<v Speaker 1>over down the line to the whole life because that's

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<v Speaker 1>one of the benefits for terms that you can always

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<v Speaker 1>change over or you can do a combination of both.

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<v Speaker 4>Like let's say your budget's two.

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<v Speaker 1>Hundred dollars a month, you can do half of it

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<v Speaker 1>in term, you can do half of it a whole life,

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<v Speaker 1>and that way, you know, you still have permanent coverage,

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<v Speaker 1>but you're not spending over your budget. But that's another

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<v Speaker 1>thing as well. You can do a combination, so you know,

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<v Speaker 1>it's it's it's kind of a long answer because it's

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<v Speaker 1>not like a simple answer to give.

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<v Speaker 4>It's a lot of different variables that go into play.

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<v Speaker 1>But that's that's something some of the education that you

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<v Speaker 1>should have when making a decision about insurance. And if

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<v Speaker 1>all else fails, just get term insurance because some insurance

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<v Speaker 1>is better than no insurance. And the most important thing

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<v Speaker 1>is to protect your family. So you have a child,

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<v Speaker 1>so that's the most important thing. You can always figure

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<v Speaker 1>it out later on, but you know, as far as

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<v Speaker 1>the most affordable option, it will probably be termed. And

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<v Speaker 1>like I said, you don't want to compromise your death benefit.

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<v Speaker 1>You want to get the maximum death benefit that you

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<v Speaker 1>can get. So yeah, that's how I look at it.

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<v Speaker 5>Oh yeah, most depth, I mean two hundred or even more,

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<v Speaker 5>even six hundred willing you be killing me in a

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<v Speaker 5>budget because I don't have a mortgage or I'm not

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<v Speaker 5>paying rent because I inherited a house in twenty thirteen.

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<v Speaker 5>So I'm fixing on that. I know how to do

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<v Speaker 5>construction on the house, so I don't have a mortgage.

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<v Speaker 5>The house has been paid off. When I'm finished with

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<v Speaker 5>that house, I'm ringing out and I'm moving back in

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<v Speaker 5>with either some siblings or my mom or somebody like that,

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<v Speaker 5>where I'm collecting rent from that, and that could be

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<v Speaker 5>whatever I profit off that taxes and insurance and everything

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<v Speaker 5>that could be paying my premee I work. I made

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<v Speaker 5>sixty thousand lectures I drive. I mean, I'm gonna live

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<v Speaker 5>below my means, so whatever it is, I appreciate the advice.

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<v Speaker 5>So I'll Monday, come Monday too that I'll be talking

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<v Speaker 5>to a service to see what I can get and

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<v Speaker 5>what's really affordable.

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<v Speaker 4>All right, well, no problem, all right, all right guys.

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<v Speaker 1>And then also if I so, especially for the insurance

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<v Speaker 1>and like retirement questions, if you want so, I still

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<v Speaker 1>have my financial planning practice.

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<v Speaker 4>I just I'm not actively doing it anymore. But my

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<v Speaker 4>dad actually the financial advisor on my sister. So I

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<v Speaker 4>say that at least once a call.

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<v Speaker 1>But you know, if you want, I think magnet, if

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<v Speaker 1>you could just put the information in the chat, anybody

0:10:33.679 --> 0:10:36.400
<v Speaker 1>can reach out to them and get a consultation if

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<v Speaker 1>you want some some you know, questions about actually how

0:10:39.080 --> 0:10:41.160
<v Speaker 1>to implement different things, different strategy. Like I said, you

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<v Speaker 1>can work with whoever you want with, but it is

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<v Speaker 1>something that I did for over a decade and still

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<v Speaker 1>actually end licensed and I still have my practice. I'm

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<v Speaker 1>just not hands on like me personally, but still kind

0:10:50.120 --> 0:10:54.680
<v Speaker 1>of oversee the operation. So if you're interested, if anybody's interested, yeah,

0:10:54.679 --> 0:10:56.040
<v Speaker 1>we can put the information in there and you can

0:10:56.080 --> 0:10:56.959
<v Speaker 1>feel free to reach out