Life insurance is one of those things that most of us need. That’s an easy statement.

1. But what kind of life insurance?
2. How much life insurance?
3. What if I have health problems?
4. What if I am old?

The thing about life insurance is that the name is a little antiquated and a bit misleading. I once had someone ask me; “Why is it called life insurance, it’s death insurance – isn’t it?” Well, ah, ah, ah, yea. Well, kind of.

You see life insurance allows our loved ones to keep going in the case of our death. It handles things for us, that we use to handle ourselves. Now it can’t replace us. But it can replace what we brought to the table … economically.  But did you know if can do a lot more than that?

Depending on what we buy, here is all the things that can be covered by “life insurance”.

• Long Term Care for us – giving us money to pay for our care should we need assistance. This is helpful not only for when we are old – but if we are injured or suffer disease that requires we have help with daily needs for a period of time.
• If we were to get Cancer or some other dreaded illness, our health insurance may pay for health care, but what pays for our living expenses if we can’t work? That’s right … life insurance might do this.
• And life insurance can be useful in our Retirement Planning, Saving for College, and many other uses.
• In its simplest form, it may pay for our final expenses … which can be much more than most people are aware of.
• Life insurance also cares for short term needs – business needs – buy-sell agreements and the list just goes on and on.

If you have not had your life insurance needs looked at in the last five years, you owe it to yourself to spend some time doing this. I offer a free evaluation and the answers we arrive at will be based on what you believe. But you may think it can’t all be done … and that is where I come in. I will provide you with the information you need to have to make a decision.

Call me today at 209-390-1163 and let’s talk. If you prefer to do some checking online, feel free to visit my web life insurance application page where you can do this. But please understand that a web page is limited. I can provide you more complete information by you talking to me. But if you feel that term insurance fills the need for you at this time, the web page may be all you need.

I don’t think it rocket science to note that anyone you talk to has financial needs. We need A Plan. You can’t get where you want to go if you don’t know where that is OR you fail to look at a map and consider the options.

Men and women deal with these needs and/or perceived needs differently. Most women will usually say they’ve not taken care of their future needs well enough, whereas many men just don’t want to think (or talk) about it. Since I’m a man, I can say that although I am not fatalistic, my inclination is to not want to think about things I have no answers to. This inclination I have to fight, because it of course makes no sense. One cannot find a solution if one spends no time seeking the solution.

When it comes to doing planning, women are often more willing to do this, despite any insecurities they may feel. Men do tend to resist doing this.

Speaking of planning … Did you know that today – there are less people with life insurance than ever in my 30 years in this business. The odd thing is that life insurance costs much less today, than it once did. And its not just life insurance where planning makes sense, but also planning for the times we are ill and suffer in some accident. That is also part of planning.

Many think that this would be too expensive, so they never really get the information they need. But if you buy a cup of coffee or other drink of some type each work day, chances are you actually will think it’s quite cheap (since it likely will cost less than the drink) – and the good feeling that one has when taking care of this cannot be described in words. You have to experience it.

I can help you plan. I can give you the information you need to make good choices that will not only protect you and your family – but also give you a peaceful feeling that you will not experience from other things.

Call me today at 209-390-1163 OR toll-free 855-MPMYERS or click the email button to the right and send me a message.

I’m looking forward to talking to you.

Michael Myers

I have talked some about becoming your own banker. This is called The Infinite Banking Concept. This concept requires a shift in mindset. This is because we have all been conditioned to borrowing money. But think about the advantages, 1) no debt, 2) money for retirement, 3) an automatic (and growing) estate, 4) a real retirement without the higher taxes we all expect and 5) and a person saves a LOT of money.

So the concept goes like this: a person has paid off personal debt using this concept. They now purchase their automobiles/trucks using this concept, and yet the money continues to grow. What now?

Now they are in position to take it to the next level. Many things they could do, but one idea is to lease equipment to their own corporation. The equipment is in their personal name, and they reap a profit from their corporation from the interest built into the lease.

There a lots of scenarios like this. But the first step is learning how to get started. That’s what I am here for.

Call me and let me show you how this concept can work for you.

Michael P Myers
209-390-1163

Over the thirty years or so I have been working in sales, I have seen sales gurus come and go. Their advice sometimes has merit, sometimes it simply does not. Some are genuinely interested in helping others in sales learn what it is people want and need. Others just like the sound of their own voice.

One of the worse pieces of self-proclaimed wisdom is the strong idea that a sales person should never become “an unpaid consultant”.

I could not disagree more. Here is why:

Product – no matter what it is – insurance, financial services, legal aid, plumbing, carpentry … well, you get the idea, no matter what it is – it’s just a commodity.

Customers form their strongest relationships with people who give the most value. In today’s selling environment, what you sell — be it a product or service — is, in itself, the least valuable thing that you offer. In fact, it is probably viewed by most buyers as a commodity
But good advice is something people do not get from very many people. Good advice trumps whatever the product is by a 1,000 percent!

So ask me any question about insurance. I am here to help, even if I don’t have something that will be useful to you. The worst case scenario is I will point you in the right direction. And if I can help you, I will give you the choices you need to make a good decision you will be happy with for a long time.

Being in the insurance industry since 1978, I have listened to people’s concerns. And I understood.

• “I pay for life insurance, but I never get any benefit from it.”
• “Yes, I need Long Term Care Insurance, but I can’t afford it.”
• “I am worried about getting hurt or sick and not being able to work. But I can’t pay for life insurance and disability income insurance. It’s one or the other, so I guess it’s like insurance.”

In times past, I could understand why a person could feel that way. But today’s policies do more than yesterday’s policies.

I have a policy that I’d love to show you. It’s life insurance – but it’s also long term care insurance (and you won’t believe how good it is!), it’s also critical illness (cancer, etc), and it’s also disability income. You have got to see this for yourself!

If you work in law enforcement, or for the state government, you really need to look at this and compare it to your present program(s). You will be very pleasantly surprised!

Call me (209) 390-1163 or email me (michaelpmyers@gmail.com) and let me show you how good it is. You may even save money from what you are presently doing … it’s that good!

Michael

Disclaimer: From a legal standpoint, this is a life insurance policy. But it does the things I describe. This post is not intended to be a legal description. I provide that at the time of illustration (or before on request).

It’s not uncommon for people to have the view that insurance is like the lottery … a big gamble.

For a person who has never filed a claim, I guess I understand them having this view. However, I want to examine this conclusion for just a moment.

According to information posted on the Internet:

The odds of winning the California Super Lotto Jackpot are 1 in 18 million! Other lotteries may have slightly better “odds”, such as 1 in 15 million! (Feel better now?)  Here is another way of looking at it:  If one person purchases 50 Lotto tickets each week, they will win the jackpot about once every 5,000 years.

How do those odds compare to the odds of an insurance claim being filed?  For instance, what about the chances of ever needing disability income?

If you are currently 25 years of age, there is a 1 in 44 chance you will be disabled and unable to work at some point in your life.  This statistic increases with age, so that, when you are 55 years of age, the chances have increased to 1 in 27!

Similarly, what about the chances of  needing some type of in-home or facility care (non-hospital) when a person gets older?  To answer this, I will quote from the respected, Wall Street Journal, which stated

… a couple turning 65 has a 75% chance that one of them will need long term care.

This high risk can also affect the entire family where the children are at risk of a negative inheritance, also according to the Wall Street Journal.

Along these same lines, The National Academy of Elder Law Attorneys did a study and compared the risk of needing long term care with the risk of other financially devastating risks, such as a major auto accident, or a fire in a person’s home. According to that study, the rates of risk were:

• Automobile accident 1 out of 240 [0.4%]
• Fire damaging your home 1 out of 1,200 [0.08%]
• Needing long term care assistance 1 out of 2 [50%]

Of course the chance of dying is 1 in 1 [100%].

The biggest difference between the two “products” is – the lottery appeals to peoples desires, while properly selected insurance provides “Real Solutions for Real Risks”.  Sometimes the real reason we do not make decisions about insurance coverage, is that we “know” we can’t afford all the types of insurance we could buy, so we just kind of dismiss them all.

I am here to help you.

I will never pressure you to buy this or buy that. I will provide you objective and well-researched information to tailor the product to your need and circumstances.  This is true whether you’ve bought insurance in the past, or if you’ve put off buying insurance. I will help youget the best value for your hard earned dollars.

What is the cost of the insurance? Obviously this depends on you and your needs, but one thing I will assure you: it’s a lot less than buying lottery tickets!

Just ask … I can help! Call me at 209-390-1163 and I will show you the best way for you.

I write a lot to those retired. But I’d like to spend a little time talking to those of you still working.

What is your most important asset? Your home? Perhaps your health? What about your income?

Do you know anyone who has or had cancer, a heart attack, or a stroke? How about chronic backaches? Were you aware that conditions of the bones, joints, and muscles — such as bad backs or arthritis — are the leading cause of disability today? Did you know that cancer is the second leading cause of disability claims?

Why is this important? Because the chances of us facing such a reality is really quite high. We call that our PDQ – Personal Disablity Quotient. (Click on the link to figure your PDQ).

But if you have not protected your most important asset – all is not lost. I very likely can show you how to re-position the dollars you are currently spending to protect all the things that matter – and not leave out your most important asset in so doing.

Call me at 209-390-1163 or email me (michaelpmyers @ gmail.com) and I’ll show you what I can do for you.

A recent experience got me to thinking…

Our local grocery store is owned and managed by a nice family. The family has been in the community for over 100 years. Apparently they rely a great deal on their delivery people to “decide” what they will carry in their grocery store. I do not know why they choose to do this, but, convenience aside … I think they make a mistake by allowing others to decide what products they will carry.

Why do I say this?

Here’s an example:  My family enjoys a particular brand of Chocolate Chip ice cream.  Apparently we are not the only ones, as it is usually the first flavor to sell out at the local market.  Now, the way I see it – “supply and demand” dictates that if a product “sells out” consistently – you might want to stock more of it and less of some other flavor that doesn’t sell as well.

Not at our local market.  At our local market when the demand increased for this particular item – the ice cream delivery person simply stopped stocking it. This makes his job easier I guess.  So now, when he delivers his stock, there is not as much he needs to unload.  I can only surmise that the delivery man must be a simple wage-earner.

Now I assume my local market earns money on each item sold. But I have noticed that they follow this same logic with other popular items they sell.  If it sells well, evidently in order to not have to stock quite so often, they just don’t carry it any more.   I guess your store shelves remain filled this way, you require less personnel for stocking, and the quiet, easy going manner in which you’ve always operated remains uninterrupted.  More time for fishing that way.

Here at mpmyers.com – we do not reason this way. We are here to serve you, our client. This means we are willing to work for you.  We sell you – not what is easiest for us – rather what our clients want and we work very hard to obtain exactly what you need. We take that very seriously, and we have for 30 years.

Next time you have an insurance need – call me. If I don’t have it, or can’t get it, I will likely be able to direct you someplace where you can get it. I won’t try to sell you Rocky Road – when what you want is Chocolate Chip.

For years, those of us in the insurance business who sought to put our clients first called ourselves “Brokers”. Now the term Broker is really a misnomer, for we are in fact – from a legal standpoint Agents.

With that thought in mind – call me an Agent of Change. Changes are coming, there is no stopping them. My job is to guide and advise you in how these things impact you.

Whether it be in the medical insurance field (under or over 65), employee benefits (or outsourcing employees), planning for long term care, or using old products such as life insurance in new and better ways – to “bank on yourselves” (you have to see this illustrated to understand how different and better this concept is over the old ways of doing things) – call me. I am here to help you. I am an Agent of Change.

Michael Myers