Happily Ever After: Using Life Insurance Without Dying: Because Some Things Are Not Worth Dying For

Let’s face it. Some things are NOT worth dying for. And a large life insurance payout is not one of them.

But what if you could use life insurance to live a better life? To not only retire more comfortably, but achieve your dreams?
In this book, you’ll read stories about families who did just that. Even confirmed bachelors and bachelorettes who did just that. And along the way come to understand in easy to understand language the technical aspects of life insurance to help you make this difficult decision today.

Written by a real life insurance agent, you’ll gain decades of perspective to see why life insurance is very much a tool best used for living by those of us wanting to live fuller, happier lives.


TABLE OF CONTENTS:

Introduction: Happily Ever After?

1. Story Time Examples! (Spoiler Alert: Everyone in These Stories Lives Because No One Wants to Hear ANOTHER Story About Someone Dying to Use Their Life Insurance!)

The Martinez Family Moves Across the Country to A Dream Job with a Universal Life Insurance Policy

The Li Family Survives Breast Cancer with an Protection Indexed Universal Life Insurance Policy

The Patels’ Repair their Home with an Accumulation Indexed Universal Life Policy

Benjamin Brown, a Bachelor with no Beneficiaries, Uses a Whole Life Policy to Enjoy His Life

Why the Kelly Family Chose to Convert their Term Policy

The Abara Family Saves for the Future with a Term Life Insurance Policy

Jane Suzuki Preserves Protects Her Fortune

Joseph Kohen Helps His Grandchildren

2. Understanding Exactly What Permanent Insurance Is: The Life Long and Long Life Option

Whole Life Insurance

Guaranteed Death Benefit

Cash Value Component

Different Types

Universal Life Insurance

Traditional UL

Indexed UL

Guaranteed Universal Life

Protection Indexed Universal Life

Accumulation Indexed Universal Life

3. Understanding Exactly What Term Insurance Is: the Temporary Option

Several Kinds of Term Insurance

Level Term

Decreasing Term

4. Typical Riders

What If You Don’t Die? You May Want A Return of Premium Rider

For Injuries, Sickness, Disease and Disability You May Want Living Benefits

Conversion

Long Term Care

5. How Much Coverage Do You Need? Making Sure You Are Not Overinsured or Underinsured 57

Conclusion: Everyone Can Use Life Insurance While Alive

Even Confirmed Bachelors and Bachelorettes can Use Life Insurance While They Are Alive

As an Investment

Tax Advantaged Emergency and Retirement Funding

Assisted Living (even at your own home!) and Nursing Homes When You’re Old

Self Sufficient to the End

Legacy

Babies and Children Need Life Insurance Too

Death or Disability of a Child

For When They Are All Grownup: Financial Independence

Don’t Forget Life Insurance for the Parents

Yes, You Do Need Life Insurance!