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whole life insurance

Valentine’s Day + Life Insurance = Love

February 14, 2020 By Flor Caballero Lynch

valentines-day-618879_960_720Are you having trouble figuring out what gift to get your loved one this Valentine’s Day? Instead of buying that big box of chocolates, that cheesy card from CVS, or that expensive diamond necklace this year, it might be time to look into something that is probably the ultimate signal of love: a life insurance plan!

A life insurance policy tells loved ones that you want to protect them if anything were to happen to you! I have had the honor of a loved one naming me in their life insurance policy, and it was an incredibly moving moment. It showed me that this person had me in their heart—even when faced with the thought of the worst! Doing this for your family can prove to be one of the best gifts that they ever receive, and it’s something both you and your loved ones will be proud of on days other than Valentine’s Day!

love-3061483_960_720Making those you love in your life secure should always be the number one priority! If you are planning on buying a life insurance plan to benefit a spouse, this might not be the most romantic conversation that you can have on Valentine’s Day—but I promise you they will appreciate it more than you will ever know! Life Insurance is very affordable, easy to get started, and a great way to say: I love you!

Filed Under: Insurance, Life Insurance Tagged With: life insurance, love, love insurance, term life insurance, Valentine's Day, whole life insurance

Life Insurance is a Promise!

February 7, 2020 By Flor Caballero Lynch

heart-700141_960_720Valentine’s Day 2020 is rapidly approaching, and we can see that retailers and spouses everywhere are feeling the pressure! Last year in 2019, Valentine’s Day shoppers spent a whopping $20.7 billion on candy, jewelry, stuffed animals, flowers, and other romantic gifts according to the National Retail Federation! On average a person in the United States plans to spend an average of $196.31, which is up a huge 21% jump over last year’s previous record of $161.96!

With these amounts in mind, why not add life insurance to the list of gifts you need to buy for your spouse? With the average Life Insurance policy costing as little as $150 per year, the math really starts to make sense! Did you know that according to LIMRA, 1 out of 3 consumers believe their spouse or partner should have more life insurance? This tells us that instead of walking up and down the corridors of a local mall looking for a paper-1100254_960_720Valentine’s gift, you should be walking into your insurance provider’s office to get life insurance!

Always remember that Life Insurance is a promise, and it is a promise to those you love that you will be there for them, protect them, help them up—even if you have passed away. As Aristotle once said, “A promise made must be a promise kept”, so don’t break your promises and get a life insurance plan!

Filed Under: Insurance, Life Insurance Tagged With: insurance, life, life insurance, love, term insurance, Valentine's Day, whole life insurance

Finding Security Within an Uncertain Future

January 18, 2018 By Aaronflorlynch

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Being a young adult heading into law school can be scary. There’s a lot at stake and sometimes the uncertainties that come with life in law school can be overwhelming. But the way that I have found to alleviate some of the stress and some of this uncertainty that I’m feeling has come from an unlikely source: an insurance agent.

When I first walked into my agent’s office I had no clear idea of what my life would unfold with, while in school I could start a family, I could come across a business opportunity that will require large amounts of debt on my part, and above all I always will need to keep the co-signer of my student loans in mind too! All of these scenarios required me to look forward and find ways that I can cover my debts if anything were to happen to me.

The chances of starting a family in law school are extremely high, and ties into the famous line they give you when you sit down at just about any law school during Incoming Law Student Orientation, “Look to your left and then look to your right, one will be married and the other will drop out of school from each group of three, choose which student you want to be”. This sentiment shows that while in Law School the world will continue to keep turning and life events will occur, so you have to always find ways to keep everything together no matter what.

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When starting young family I wouldn’t want to let my future spouse or children be at the mercy of the world without my financial help if something were to happen to me, and what about my debts? I really do not want 3+ years of secondary education costs to be their problem! So to ensure that this problem will never become real I decided to open up a term life insurance policy.

Term Life Policies are a bit different than a Permanent Life Policy in where it only lasts for a period of time versus indefinitely (As long as you continue to pay premiums). I chose the Term Life policy for 10 years because by then I should be grounded in my profession and I will be able to switch over to a Permanent Policy that will cost a bit more to have— but will be worth it at that time. Due to my current age and my health I was able to secure a price that was the cost of just a couple of coffees per month, not too shabby for ensuring my future!

There is also the scenario that my death occurs before me starting a family, so with this being said I want to be able to cover my student loans, credit card debt, and my funeral costs so I do not burden those who are close to me.

A burial can be a very costly event and even a cremation will cost over $1,000+! Did you know that if someone (Family or not) pays for your cremation or burial out of his or her own pocket it is not tax-deductible by the IRS? That would just be a kick in the teeth to any family member if they were stuck with thousands of dollars of debt on top of coping with my death!

 

No one wants to walk into an insurance office and talk about the elephant that sits in just about everyone’s room: Death. But it is a necessity for every personto converse about it and prepare for it in the best way possible. Just like any other aspect in life you must always stay one step ahead just as I did. Death doesn’t follow a schedule and can come at anytime, so beat it to the punch with a solid life insurance policy!

By Aaron Young

Filed Under: Insurance, Life Insurance Tagged With: finances, life insurance, personal insurance, return of premium, return of premium life insurance, term life insurance, Valentine's Day, whole life insurance

The sixth love language: life insurance

February 1, 2011 By Aaronflorlynch

Many of us have heard of or read the book, The Five Love Languages. We know those languages: words of affirmation, quality time, gifts, acts of service, and physical touch. While those languages are necessary, most of them will only leave a fond memory. They won’t provide for our loved ones when we’re gone. In order to care for our loved ones, we have to learn a new love language, the language of life insurance.

[Read more…] about The sixth love language: life insurance

Filed Under: Insurance, Life Insurance Tagged With: love languages, permanent insurance, return of premium, term insurance, term life insurance, Valentine's Day, whole life insurance

A legacy of love: life insurance

January 31, 2011 By Aaronflorlynch

[youtube=http://www.youtube.com/watch?v=ZKHftmGWoEM]

Filed Under: Insurance, Life Insurance Tagged With: El Paso, Flor & Associates Insurance Agency, permanent life insurance, return of premium, term life insurance, Texas, whole life insurance

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4420 N. Mesa St
El Paso, TX 79902

(915) 996-9799
FAX: 1-866-514-3064

flor@florinsurance.com
www.florinsurance.com

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