A Quote by Dave Ramsey
Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.
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Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.
If your employer pays your health insurance, that's not counted as income to you. And any economist would say that's your income, because they'd pay a higher wage if they didn't take it. That's a huge loss to the Treasury.
People just want to see something happen that is positive for them in their lives. If you're struggling to pay your student-loan debts, or if you've got a kid trying to go to college and don't think you're going to be able to afford it, it really matters whether you get help or not. If you don't have health care or you have insurance but the insurance company won't pay for what your doctor says you need, then what's the point of people arguing in Washington? Why don't you give me some help to fix this problem? I will work with anybody if I think we can actually produce results for people.
You pay your bills and you take care of your family, or you're not a man.
Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.
In one way or another, everybody has this experience in their lives... the moment when you have to define your relationship to family and how your family's made you who you are, whether you've spent your life running from your family or deeply connected to your family.
Your greatest asset is your earning ability, to apply your knowledge, skills in order to get results which others will pay.
Your insurance broker has your telephone number, but your insurance broker doesn't have your Facebook ID. I think they are very different modes of communication. Commingling them can come with risk and peril.
Term Life Insurance is the only insurance I recommend. It's the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander's online quoting system will help you find the most competitive options. It's more affordable than you think!
You aren't your work, your accomplishments, your possessions, your home, your family... your anything. You're a creation of your Source, dressed in a physical human body intended to experience and enjoy life on Earth.
Look at the big-ticket items, in your budget. Your home or apartment. Your car. Your insurance. If you are overspending on these big monthly bills, then money's draining out of your pocket a lot faster than you can replace it by clipping coupons or buying cheaper coffee.
When you're faced with a choice, remember this: Everything else will pass away. Your family. Your friends. Your material possessions. Your beauty. Your youth. Your life. And there is only one thing that remains. Ask yourself: Which are you chasing?
Choose your team carefully. So much of your success is due to the people who you surround yourself with. Your friends, your family, and the people that you work with -- they all play an important role in inspiring you and supporting you and giving you stability. These are the people in your life who will be honest with you.
If you have health insurance, then you don't have to do anything. If you've got health insurance through your employer, you can keep your health insurance, keep your choice of doctor, keep your plan.
Senior executives can, after a fashion, get a portion of their pay tax-free. You defer part of your income and not have to pay taxes on it, and then when you retire you have the company buy a life insurance policy on you using that money. The company can deduct that money because it is a business expense, and the money will get paid out to your children or grandchildren when you die, so you have effectively given them your money and it's never been taxed.
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