360 Financial Freedom

What is an annuity?
Annuities are a type of insurance product, but instead of insuring yourself or your property against potential future losses, annuities let you insure income. Specifically, they help ensure that you will receive an agreed-upon amount of money periodically at some point in the future, which makes them a popular vehicle for retirement planning.
Contact Tina Ngoc P. For more details about all benefits of Annuities
(925) 789-0395

Are you ready for your Cash Flow Lifetime income but Tax Free?
Life insurance is a safe investment way to protect yourself and help you build your own "bank" in the future when you need "cash"without your credit check

You CAN wait to invest a policy Life Insurance but your health can’t wait… Money can’t have Life Insurance but your Health can. You don’t know about your health tomorrow.
You can enjoy your cash flow in life insurance during you still alive not only until you pass away

Call or message me :
NgọcThuý Tina Pham ⁨+1 925-789-0395⁩

Bạn đã sẵn sàng cho thu nhập Dòng tiền Trọn đời nhưng Miễn thuế chưa?
Bảo hiểm nhân thọ là kênh đầu tư an toàn để bảo vệ chính bạn và giúp bạn tạo dựng “ngân hàng” của chính mình trong tương lai khi cần “tiền mặt” mà không cần kiểm tra tín dụng

Bạn có thể đợi nhưng sức khỏe của bạn thì không thể đợi… Tiền không thể có Bảo hiểm Nhân thọ nhưng Sức khỏe của bạn thì có. Bạn không biết về sức khỏe của bạn vào ngày mai.
Bạn có thể tận hưởng dòng tiền của mình trong bảo hiểm nhân thọ khi bạn còn sống chứ không chỉ chờ đến khi bạn qua đời

Xin vui lòng gọi hay gởi tin nhắn cho Tina Phạm để tham khảo miễn phí: 925-789-0395

360 Financial Freedom TO GET RICH,
YOU HAVE TO BE MAKING MONEY
WHILE YOU'RE ASLEEP
AVID BAILEY

Are you ready for your Cash Flow Lifetime income but Tax Free?
Life insurance is a safe investment way to protect yourself and help you build your own "bank" in the future when you need "cash"without your credit check

You CAN wait to invest a policy Life Insurance but your health can’t wait… Money can’t have Life Insurance but your Health can. You don’t know about your health tomorrow.
You can enjoy your cash flow in life insurance during you still alive not only until you pass away

Call or message me :
NgọcThuý Tina Pham ⁨+1 925-789-0395⁩

Bạn đã sẵn sàng cho thu nhập Dòng tiền Trọn đời nhưng Miễn thuế chưa?
Bảo hiểm nhân thọ là kênh đầu tư an toàn để bảo vệ chính bạn và giúp bạn tạo dựng “ngân hàng” của chính mình trong tương lai khi cần “tiền mặt” mà không cần kiểm tra tín dụng

Bạn có thể đợi nhưng sức khỏe của bạn thì không thể đợi… Tiền không thể có Bảo hiểm Nhân thọ nhưng Sức khỏe của bạn thì có. Bạn không biết về sức khỏe của bạn vào ngày mai.
Bạn có thể tận hưởng dòng tiền của mình trong bảo hiểm nhân thọ khi bạn còn sống chứ không chỉ chờ đến khi bạn qua đời

Xin vui lòng gọi hay gởi tin nhắn cho NgọcThuý Phạm để tham khảo miễn phí: 925-789-0395

Make your retirement become the best year of your life with Life Insurance and Annuities
Call or message me for free consultation : 925-789-0395
Or email me [email protected]

Are you ready for your Cash Flow Lifetime income but Tax Free?
Life insurance is a safe investment way to protect yourself and help you build your own "bank" in the future when you need "cash"without your credit check

You CAN wait to invest a policy Life Insurance but your health can’t wait… Money can’t have Life Insurance but your Health can. You don’t know about your health tomorrow.
You can enjoy your cash flow in life insurance during you still alive not only until you pass away

Call or message me :
NgọcThuý Tina Pham +1 925-789-0395

Bạn đã sẵn sàng cho thu nhập Dòng tiền Trọn đời nhưng Miễn thuế chưa?
Bảo hiểm nhân thọ là kênh đầu tư an toàn để bảo vệ chính bạn và giúp bạn tạo dựng “ngân hàng” của chính mình trong tương lai khi cần “tiền mặt” mà không cần kiểm tra tín dụng

Bạn có thể đợi nhưng sức khỏe của bạn thì không thể đợi… Tiền không thể có Bảo hiểm Nhân thọ nhưng Sức khỏe của bạn thì có. Bạn không biết về sức khỏe của bạn vào ngày mai.
Bạn có thể tận hưởng dòng tiền của mình trong bảo hiểm nhân thọ khi bạn còn sống chứ không chỉ chờ đến khi bạn qua đời

Xin vui lòng gọi hay gởi tin nhắn cho NgọcThuý Phạm để tham khảo miễn phí: 925-789-0395

During the period of rising inflation economy, Our Goals:
“SAFE INVESTMENT, SAFE PROFITS”
Why you have to wait to invest? Never too late to invest But The early you invest, the more profits you earn 💰💰💰

You work so hard for your life but when you retire, Are you saving enough for retirement? How much is your income monthly? I can help you with your retirement plan or life insurance plan

Contact me NgọcThuý Tina Pham for free consultation : 925-789-0395

Trong thời kỳ nền Kinh tế lạm phát đang gia tăng, mục tiêu của chúng tôi: :
“ĐẦU TƯ AN TOÀN, LỢI NHUẬN AN TOÀN”
Tại sao bạn phải chờ đợi để đầu tư? Không bao giờ là quá muộn để đầu tư Nhưng bạn đầu tư càng sớm, bạn càng kiếm được nhiều lợi nhuận💰💰💰

Bạn làm việc rất chăm chỉ cho cuộc sống của mình nhưng khi bạn nghỉ hưu, Bạn có tiết kiệm đủ cho việc nghỉ hưu không? Thu nhập hàng tháng của bạn là bao nhiêu? Tôi có thể giúp bạn với kế hoạch nghỉ hưu hoặc kế hoạch bảo hiểm nhân thọ

Xin liên lạc NgọcThuý +1 925-789-0395 để được tư vấn miễn phí

This is the right period for you to roll over 401k, traditional IRA, ROTH to Annuities without penalty
Annuities have much more benefits than 401k

Contact me Tina at: +1 +1 925-789-0395
for more detail

You want to know much more benefits about Annuities
Contact me NgocThuy Tina
+1 925-789-0395
Or email me:
[email protected]

ANNUITY are financial products that provide a steady stream of income, typically after retirement. They can be either immediate or deferred, and can be used to supplement other retirement savings plans such as a 401k.

AND ITS CAN PROTECTS YOUR MONEY FROM MARKET RISK.
The money – or “premium” – you place in the annuity is not invested in the stock market, so you won’t lose anything during a market downturn. (Fees and charges may still reduce your contract value, though.)

YOU’LL ENJOY GUARANTEED INCOME FOR THE REST OF YOUR LIFE.
You can start income through guaranteed lifetime withdrawals from your protected income value anytime, even in the middle of a year. And once you start lifetime withdrawals, they’re guaranteed to continue for as long as you live.
In other words: Your lifetime withdrawals will continue even if you use up all the money you placed in the annuity.

Contact me for more details:
NgocThuy Tina
+1 925-789-0395
Or email me:
[email protected]

10 Reasons Why Seniors Need Life Insurance

life insurance today. As a senior, you may think life insurance is unnecessary. But all age needs it. Life insurance replaces income not only you pass away but helping you have additional free-tax income when you are retired. The mortgage is paid off. And, your kids are holding their own. Is a life insurance policy accessible and necessary at this time in your life?

Before you reason yourself out of purchasing a policy, contemplate the idea a bit further. And you might be surprised to discover the reasons for getting or maintaining a life insurance policy this late in the game. Consider some compelling reasons why you need life insurance today.

1. Pay Funeral Expenses
Funerals fall among the top five life expenses. According to Bankrate, the average funeral runs between $7,000 and $10,000. The cost continues to skyrocket. Without a plan to cover these costs, your family is left with large-scale bills and the worry that goes along with them. And a life insurance payout removes the burden from your family by supplying the money they need.

2. Cover Current Income
Retirement remains an impossibility for some seniors. Life circumstances or the passion for a career keep them in the workforce. If you continue to work, even parttime, life insurance offers a means of protecting your savings and replacing your income upon your death. Any named beneficiaries benefit from these monies. And this means one less worry in their time of grief.

3. Bear Loan Debt
If you are a retiree with significant outstanding loans, a life insurance policy may be in order. These payouts remove the burden of this debt from surviving family members. Carefully calculating the amount of coverage needed to eliminate the debt prevents you from over-insuring. A policy which outlasts the loans is not wise.

4. Cover Personal Debt
Funeral plans only cover costs associated with a funeral. Life insurance policies contain no restrictions on how the money is spent. Therefore, family members may use the funds for other purposes. Medical bills, credit card balances or estate taxes fall among the possibilities. Plus, the liquidity provides immediate resources for the family without the need to sell other assets.

5. Guard Your Business
Life insurance policies protect your business partners and employees in the event of your death. The funds left to beneficiaries may be used to offset the loss of your role in the business, cover interim expenses or buy out your interests. With these funds, the company you poured your life into is guarded through your death.

6. Protect a Disabled Child
The ongoing medical care and support of disabled children add up. If you are in this situation, likely you are aware of the astronomical expenses today and into your child’s future. Life insurance offers a means for you to provide for the medical and living costs associated with your child’s disability after you are gone.

7. Give Family a Boost
Life insurance policies enable you to provide for your family’s financial needs into the future. Paying for a college education for your children, eliminating the mortgage payment for a spouse, providing for a loved one’s travel or comfortable retirement are possibilities. Also, the cash value of the policy also supplements Social Security benefits to offer beneficiaries additional income.

8. Maximize Inheritance
As a tax-free estate planning option, life insurance policies maximize your inheritance. And the same principle applies if leaving your wealth to a charitable organization. Furthermore, irrevocable life insurance trusts (ILIT) are not subject to estate taxation and are protected from creditors. Also, these monies are especially useful for those needing financial protection.

9. Leave a Legacy
For many seniors, children and grandchildren bring meaning to life. And spending time with and finances on these loved ones prove a joy. Life insurance policies offer a way for these seniors to make a tax-free gift for major milestones after their deaths, without impacting their current savings. So given for birthdays, graduations and weddings, these gifts bless loved ones.

10. Provide Peace of Mind
The world proves an unstable place. Purchasing a life insurance plan, even as a senior, offers peace of mind for you and your loved ones. The financial provision does not relieve grief. However, it stops the worry of family members as to their future financial survival. And, you can do nothing about this after your death. But, you can address it today.

Of course, a life insurance policy should not strain your current finances. Providing for loved ones after one’s death comes in many shapes and sizes. Furthermore, talking with a qualified insurance agent reveals your options and helps you identify the plan which fits your unique situation.

Are you ready for my help today?
CONTACT ME AT 925-798-0395

Do you want to work for company represent for over 40 company ONE-STOP SHOP Wealth Management?
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When Should I Buy Life Insurance for My Child?

Life insurance policies can be taken out on children soon after they are born. A permanent life insurance policy for a young child will come with a far lower premium than for when that person is an adult. At age 18, you can then transfer the insurance policy over to the child so that they will have coverage going forward.

Are you ready for my help?
CONTACT ME AT 925-798-0395

Do you want to work for company represent for over 40 company ONE-STOP SHOP Wealth Management?
Contact me at 925-789-0395

Send a message to learn more

When it comes to buying life insurance, younger is better?

Life insurance is a financial product that provides a lump sum cash payment, known as the death benefit when the insured passes away. Life insurance aims to mute any financial hardship that may arise from the lack of income the deceased will not earn any longer, plus any outstanding debts or obligations of the deceased's that must be repaid.

If you want to purchase a permanent insurance policy with a cash value, you need to own it long enough for the cash benefit to grow, and a term-life policy is only set for a certain number of years. The right time to buy life insurance varies from person to person, depending on family and financial circumstances.

Generally, you need life insurance if other people depend on your income or if you have debt that will carry on after your death. However, the older you get the more expensive life insurance costs. A healthy non-smoking 20-year-old will pay less than someone with the same health profile but who is 20 years older. If you wait too long to purchase life insurance, not only is it more expensive, it can be harder to get the policy approved by an insurance underwriter.

Why Younger Is Better
When it comes to timing, the younger you are when you buy life insurance, the better. This is because, at a younger age, you'll qualify for lower premiums. And as you get older, you could develop health problems that make insurance more expensive or even disqualify you from purchasing a plan.

However, younger people faced with mortgages, car payments, and student loan debt tend to put off buying life insurance. While paying off current debt is critical, missing out on buying life insurance at a young age has a significant economic impact, much like delaying saving for retirement. The sooner it is purchased, the better.

COST OF WAITING: waiting to purchase life insurance can have a greater impact on an attempt to purchase a policy. Medical conditions are more likely to develop as an individual grows older. If a serious medical condition arises, a policy can be rated by the life underwriter, which could lead to higher premium payments or the possibility that the application for coverage can be declined outright

When Is the Best Time to Get Life Insurance?

The younger and healthier you are, the lower the cost of a life insurance policy will be. If you are thinking about starting a family, it is often smart to buy life insurance at that time, making it more affordable in the long run.

What Life Insurance Should I Get When I Have a Baby?

If you have children, life insurance can provide much-needed financial support in the event of an untimely death. In terms of amount, the death benefit should be enough to cover all of your existing debts and obligations, replace your income for the years that your children would still rely on you, and be able to also pay for things like a college education.

The longer you wait to buy life insurance, the more expensive it will get. Moreover, if you wait, you run the risk of deteriorating health, which may make you ineligible for some life insurance at that point. When you should get life insurance will depend on your personal and family situation, along with your finances and obligations. But in general, life insurance is less expensive when you are young.

If money is tight, a term life insurance policy can offer a financial safety net for your family. If you purchase permanent life insurance, owning it over many years will give the cash-value component of the policy time to grow.

MAXIMIZE Your Retirement Income

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360 Financial Freedom
Jeffrey Fox: “Higher inflation increases the amount of insurance you will need…” I would say that inflation makes the need for planning for your retirement or insurance even more important as savings today need to meet the needs of tomorrow. Higher inflation increases the amount of insurance you will need to enable your children/dependants to maintain their standard of living.
Universal Life Insurance (UL) is well positioned to help someone with that planning. For life insurance, equity returns often outperform inflation (way more than bonds) and a well-funded UL Level (face plus fund) policy could provide an opportunity to have the certainty of the face amount of insurance, while covering the increasing cost of the standard of living through the accumulation available from the equity investment

REASONS WHY LIFE INSURANCE IS A VIABLE ASSET CLASS
by Doug McClure
Inherit in its risk and return characteristics, life insurance is a powerful asset that should be included in your client’s financial portfolio. It is arguably the best insurance policy concerning returns. It is because of this and other reasons that make life insurance a viable asset. Here are some of the other reasons:

Predictable value
Life insurance policy comes with a lifetime annual internal rate of return which makes it a viable asset that many clients can take advantage of.

Superior, safe results
Typically, the life expectancy is between 84-87 years. This provides 6-8% tax-free IRR. When compared to an ordinary investment vehicle, there are few investment vehicles that will give you such a return.
Value not directly linked to market performance
Insurance companies can customize the life insurance policy depending on the client’s needs. It can be adjusted not to rely on the market performance. This means that you can get higher returns than the ongoing market price.
It ensures the client’s legacy.
This is the best policy to ensure that your legacy is carried on to your children and other dependants. If you want to leave something for your children to inherit, this is the best policy to take. It only matures when you die.

Liquidity
This policy can be converted into cash once the policyholder dies. It cannot be reduced by commissions, transfer costs, fees or taxes. If you decide to get policy cash surrender, you can at any time.

Growth
The good thing about life insurance policy is that the benefit amount can exceed the actual cost of acquiring it or the costs of maintaining the policy. This policy does not entirely depend on the market forces, and it can provide a competitive return.

Versatility
You can use life insurance policy to increase your financial security. This means that you can improve your financial portfolio without worrying about inherent risks or factors that can prevent you from achieving your financial goals.

Avoids probate
Life insurance can be delivered to the beneficiaries as a whole without any charges or going through probate. This means that your children and other beneficiaries will get the inheritance in the shortest time possible.

Income tax-free features
You can obtain the life insurance policy inside your pension plan without it being affected by the income tax. This means that it will not be subjected to income tax even when you pass on.

May avoid estate taxes.
A vast number of people take life insurance policies to avoid estate taxes. No other asset can give you this immediate tax reprieve.