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~sharing is caring~ another angle to think about insurance

MORTGAGE PROTECTION
A house is more than just a "house," isn't it? If you've laughed in it, cried in it, and lived in it, it's a home—your home. If something should happen to you, will it remain with those who have shared it with you? A life insurance plan can assure that your home stays with your loved ones.

FAMILY INCOME
You have worked hard to bring your family's standard of living up to where it is. You shouldn't be willing to give that up—no matter what. They say"you can't take it with you," but earning capacity goes when you do! There is a way to guarantee that they will never have to sacrifice that standard of living, whether you are here or not. Life insurance.

EDUCATION FUNDS
Few things concern parents today more than helping their children get a college education. If costs continue to rise, a private university's annual cost exceeds $30,000! Money like that can be hard to come by. What can you do about it? Make sure your children have the same opportunities for education whether you live or die.

RETIREMENT RESOURCES
Thought about retiring lately? When you do, figure out how much money you'll have. Then think about a life insurance plan that will provide more. Retirement benefits such as Social Security are nice, but do you know how much you'll get? Pensions are a plus, but will they be enough? Supplemental income is usually necessary.

EMERGENCY FUNDS
The furnace breaks. The car goes on the blink. The roof leaks. Someone in the family becomes ill. Everyday occurrences in households all over the country. What do you do? Life insurance can help. The cash and loan values of a whole life policy are available to you when emergencies happen. Or even to provide cash for some other event.

FINAL EXPENSES
The unfortunate truth is that the last thing you'll do on this earth is create a debt that you won't be around to pay. Final expenses may include burial costs, unpaid bills, and excess hospital bills over health insurance payments. The emotional drain on your family should not be aggravated by concern about money. Not if you can help it. And you can.

LONG TERM CARE
The years ahead are precious, and you want to spend plenty of time with your children, your grandchildren, and even great-grandchildren. But financial burdens can create tension in the closest families. In fact, protecting families from economic hardship was why the Knights of Columbus was founded.

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Happy New Year 2023

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Less than 5% are prepared for retirement??? OMG!!!

“I wanted to persuade a friend to save for the future but she kept saying she had no money but then later I saw she could sign up RM3,000 and RM5,000 for some slimming packages!” Reality hits when people find that they cannot afford to retire because they had not seriously put aside the money early on in life. Ng: ‘Less than 5% are prepared for retirement’ “Less than 5% are prepared for retirement,” estimates Life Insurance Association of Malaysia (LIAM) president Ng Lian Lau. He says those in their 20s think they are too young to think about retirement, while those in their 30s and 40s tend to believe they are doing enough because they have their EPF savings, and those who are 55 feel it is just too late for them. And the truth is at 55, most people cannot afford to retire. “People are living longer, life expectancy for women is 76 years. For men it's 72. With this kind of longevity, people have got more than 20 years after retirement. 60 would be a more ideal retirement age,”...