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Next Step: Let’s Talk About Your Insurance & Abundance Plan
While you’re here, why not take the next step? Kim is opening a few spots on her calendar this week to meet 1-on-1. This is a no-pressure conversation to see how she can help you protect your family, your assets, and your future.
Frequently Asked Questions
What if I already have life insurance through work?
Employer-provided life insurance is a great benefit—but it’s often limited in coverage and tied to your job. If you leave or change jobs, your policy may not go with you. Personal life insurance offers long-term security that stays with you no matter where your career takes you.
How much coverage do I need?
The right amount of coverage depends on your income, debts, family needs, and long-term goals. A good rule of thumb is 10–15x your annual income, but we tailor recommendations based on your specific situation to make sure your loved ones are truly protected.
What’s the difference between term and whole life?
Term life covers you for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable.
Whole life provides lifetime coverage and builds cash value you can borrow against.
Each has pros and cons—we’ll help you find the right fit based on your goals and budget.
Can life insurance help with college or retirement?
Yes! Certain types of life insurance (like whole or indexed universal life) can accumulate tax-advantaged cash value. This can be used to supplement college tuition, retirement income, or other big life goals while keeping your protection in place.
What does “be your own bank” mean?
This refers to using permanent life insurance to build a personal cash reserve. You can borrow from your policy’s cash value—on your own terms—for things like business investments, real estate, or emergencies. It’s a strategy that gives you more financial control while keeping your money working for you.
