It's just weird diving into the topic of white something that you don't want to put off the last minute to give us information we need to know is mr. gary thurman doing is also tied macintosh regarding investment in morning to see you again nice to meet you through why is it so important for us to have life and so yeah, i think lot of people overlook it a lot just said you better not want to wait to the last minute to get it so intended by the life insurance life insurance is money.

Aa is that the least expensive way to actually purchase a large sum of money you know it, whether be for your your children or grandchildren for your charity.

You know there's there's a lot of neat ways to purchase life insurance and leave a large sum of money to your family.

No tax-free so we off insurance is very important for all ages and i think it's a port, especially i you have children or grandchildren for all ages and in adjustment and if you have children and grandchildren, children, and maybe a younger adult there's a single, no family yet.

We need to consider.

Now this all the time so there's some great programs out there now we're younger folks can actually use life insurance as an investment vehicle and the reason i like that is mccall's is going to give them an avenue to have tax-free wealth when they retire.

One the biggest problems we see today that our taxes and no taxes for us.

Three.

Setting here most likely are going to increase in the future so we can use laugh at what insurance chassis to back monies for younger folks like about tax-free money they retires with really really neat concept and the need investment for younger people as well hide you kind of specializing in knowing what's new everything.

So what's changing in the life insurance industry in the world so popular.

So everybody is probably familiar with the getting like your yearly checku to help save money on health insurance.

So life insurance companies.

Specifically, john hancock has a new program: vitality program and basically if you live a healthy lifestyle are getting checkups once a year eating better, exercising regularly you acquire points and those points can be used to gai rewards through the programs yo can actually reduce your cost of life insurance just like you ca your healthcare and on top of that, get rewards with big companies like amazon, are you can get an apple watch as part of the programs will help monitor your health, help her , help her find to you once for $20 so i do so if you're part of the program.

He knows just one of their ways.

They can make sure you can track you that you're doing what you're doing any course you you know tag into the system and input all your input and they are but they were merging them for staying health and to stay healthy and make is how the choice absolutely to speak on health issues.

Maybe someone had some pigs that pre- existing health issues or maybe it is something genetic i concern.

Are there ways around well with the wonderful things about our group is word independent financial planning group so with that being said, we have no well over 30 different life insurance company that we can go out to do our research so if someone comes to us in and their diabetic are they've had some cancer or some of the heart disease, you know, we have all these companies, we can go out have a conversation with their underwriting team is a here's what were trying to do.

Can you help us out.

So we got out into one company is my point on that so that life insurance committees of gotten a lot that are two of the last years of of helping people who have some of these issues help us find the right fit for us.

That's right, i would like to styling our condition is right, we need to get so i the easiest thing to d is this.

He taught himself or for absolutely free meeting weight.

We don't charge anythin to have a conversation with you that you can come in and see us car opposite 892-4693 minus oh line, a guardian, i envy epa.com right and remember that it is absolutely free no obligation meeting started and asked the questions that you go them out of the last couple of minutes