{"id":2086,"date":"2019-02-01T19:10:47","date_gmt":"2019-02-01T19:10:47","guid":{"rendered":"http:\/\/wealthrm.com\/?page_id=2086"},"modified":"2020-07-30T17:01:43","modified_gmt":"2020-07-30T17:01:43","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/wealthrm.com\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"

[vc_row][vc_column][vc_custom_heading text=”LIFE INSURANCE” font_container=”tag:h2|text_align:center|color:%233e3e3e” css=”.vc_custom_1549048235975{padding-right: 20px !important;padding-bottom: 0px !important;padding-left: 20px !important;}”][vc_separator border_width=”2″ el_width=”20″][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle”][vc_column width=”1\/2″][vc_column_text]Talk about complicated! Why is it that life insurance has become so complicated? Even term insurance today can be complex when you consider all of the options. The reason is because technology has led to innovation in every segment of our economy. Life insurance is no different. Plus, people are living longer which has resulted in rates going down. A national life insurance research organization has found that almost half of those surveyed overestimated the cost of life insurance at five times what it actually costs. Consider these thoughts:[\/vc_column_text][vc_column_text]\u27a2 Life insurance rates have dropped consistently over the past several decades. Do you have the old rates or the new ones?<\/strong><\/em>
\n\u27a2 Product innovations, like living benefits that pay the death benefit early for long term care or serious illnesses, have been introduced. Do you have the old kind or the new kind?<\/strong><\/em>
\n\u27a2 Older universal life policies that were issued when interest rates were much higher are now underperforming. Almost weekly I review someone\u2019s old policy that is going to lapse and they are almost always unaware that this is happening. Will your policy die before you do?<\/strong><\/em>[\/vc_column_text][vc_column_text]<\/i> Do you need a life insurance policy appraisal?<\/em><\/strong><\/a><\/span><\/span>[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”2068″ img_size=”large” alignment=”center”][\/vc_column][\/vc_row][vc_section css=”.vc_custom_1547747381117{margin-bottom: -25px !important;}”][vc_row equal_height=”yes” content_placement=”middle” css=”.vc_custom_1547745246607{padding-right: 20px !important;padding-left: 20px !important;background-color: #dfdfdf !important;}”][vc_column width=”5\/12″][vc_row_inner equal_height=”yes”][vc_column_inner width=”1\/4″][vc_single_image image=”2246″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”3\/4″][vc_column_text el_class=”footer-info-text” css=”.vc_custom_1547739269927{margin-bottom: 10px !important;}”]<\/p>\n

CONTACT ROY<\/h4>\n

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<\/i> 404-694-4532<\/a><\/p>\n

<\/i> ROY.CRANMAN@WEALTHRM.COM<\/a><\/p>\n

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SECURITIES OFFERED THROUGH THE LEADERS GROUP, INC. MEMBER FINRA\/SIPC, 26 W. DRY CREEK CIRCLE, STE. 800, LITTLETON, CO 80130 (303)797-9080. WEALTH RISK MANAGEMENT IS NOT AFFILIATED WITH THE LEADERS GROUP, INC. FINRA IS LOCATED AT WWW.FINRA.ORG<\/a><\/span>. SIPC IS LOCATED AT WWW.SIPC.ORG<\/a><\/span>.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” css=”.vc_custom_1548177739480{margin-bottom: 3rem !important;padding-right: 2% !important;padding-left: 2% !important;background-color: #720e31 !important;}”][vc_column width=”7\/12″ css=”.vc_custom_1548177517492{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1548177533734{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”]\u00a9 2019 WEALTH RISK MANAGMENT | ALL RIGHTS RESERVED<\/span>[\/vc_column_text][\/vc_column][vc_column width=”5\/12″ css=”.vc_custom_1548177524333{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1558627481328{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”]<\/p>\n

POWERED BY PRECISION CREATIVE<\/a><\/span><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_custom_heading text=”LIFE INSURANCE” font_container=”tag:h2|text_align:center|color:%233e3e3e” css=”.vc_custom_1549048235975{padding-right: 20px !important;padding-bottom: 0px !important;padding-left: 20px !important;}”][vc_separator border_width=”2″ el_width=”20″][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle”][vc_column width=”1\/2″][vc_column_text]Talk about complicated! 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