Darby Affeldt, Seattle, WA Videos

When it’s time to have important conversations about family finances, we can help. #estateplanning #finance #financialadvisor

Ready to align your financial life with your meaningful life? Let’s schedule a check in. https://bit.ly/3XzCqLi #personalfinance #finance #inspiration

There are as many answers to this question as there are people! The amount of life insurance you’ll potentially need will depend completely on your individual situation. You can begin with calculating human life value, performing a needs-based analysis, or following general rules such as 5-7 times your income or $1 million in coverage for every $40,000 of annual income family. Ultimately, though, you’ll want to consider a number of these factors and have a candid conversation with your family to decide what option is best for you. And if you want a second opinion, I'm only a phone call (or email) away! #LIAM2022 #FinancialSecurity #PersonalFinance

You’re healthy now — and you might be for many years. That’s why it’s essential to make a care plan today before you need it. I can help.

Growing old doesn’t have to have a negative impact on your family. Help give your loved ones a choice by making a care plan today. I can help.

When you’re older, a bad hip could do more damage to your retirement income than a bad market — do you have a care plan? I can help.

Aging brings a lot of changes, but a care plan helps ensure you and your family can face the future with confidence — and make each moment count. I can help.

Our health changes as we age – do you have a plan in case “what if” becomes “what now”? I can help.

You’re healthy now. But what if your household chores get to be more than you can handle when you’re older? I can help.

Medicare doesn’t cover most long-term care expenses. If you need care down the road, how would that affect your pocketbook? I can help.

Many things get better with age — but our health isn’t one of them. Who’s going to care for you? I can help.

No one likes to think their health will decline as they get older — but for many of us, it will. Do you have a care plan in place? I can help.

Aging brings a lot of changes, but a care plan helps ensure you and your family can face the future with confidence — and make each moment count. I can help.

How would you pay for care if you can’t live independently when you’re older? If your answer is Medicare, you might want a better strategy. I can help.

Is it time to reevaluate your life insurance?
Have any of these big life changes happened to you in the last year? 1. Congratulations! 2. Have you reevaluated your financial strategy since your lifestyle changed? September is Life Insurance Awareness Month--the perfect time to realign your insurance with your life. #LIAM2022 #PersonalFinance #LifeInsurance

Do you know how long it take for your loved ones to experience financial hardship if you passed away? Most Americans would experience financial insecurity in a year or less after losing a primary wage earner (LIMRA, 2022). The tragedy of losing a spouse or parent is tremendous, and the fact that 67,980,000 families would be in a financial crisis just one year after such an event reveals a massive threat to our nation’s well-being. September is Life Insurance Awareness Month, and I will be sharing some stats and information about this financial solution. My goal is simply to provide the information. Your financial decisions belong only to you! #LIAM2022

The short answer: It depends on what you're looking for. Life insurance policies come at many price points depending on your age, gender, health, and the type of insurance. If you're looking for ways to find more affordable starter coverage, consider these options: 1. Take out a life insurance policy while you're young 2. Choose a term life insurance policy rather than permanent life 3. Ask an independent agent to check rates at multiple insurance providers That last option is totally free with no obligations! 50% of people overestimate the cost of term life insurance (Average life insurance rates of 2022, Forbes), and that keeps them from getting the coverage they need. Get the numbers, then decide. #LIAM2022 #LifeInsuranceAwarenessMonth #FinancialSecurity

I LOVE the convenience online shopping has brought to our lives! It seems no industry has been left untouched by the digital transformation, personal insurance included. Online life insurance providers promise fast, convenient service, all from your phone. On those counts, they can deliver. However... What if you have health issues that make it hard to find affordable coverage? Or you need guidance through the underwriting process? Or you are interested in exploring a whole or universal life policy rather than term life? In these instances, you may want to consult a trusted financial professional. I'm happy to be that guiding voice if you need it! #LIAM2022 #PersonalFinance #ProtectWhatMatters

Term insurance is like renting—a temporary solution for a temporary issue with an affordable premium. Most people outlive the term but had the use of the policy along the way. Permanent insurance is like owning. You build equity and the owner has more control. If structured correctly, permanent insurance will result in money being paid to the beneficiaries 100% of the time, due to the inevitable fact that everyone dies. Which one is right for you? That totally depends on your goals! I'd be happy to talk through how each would affect your overall long-term strategy in a phone call. September is Life Insurance Awareness Month, and it's all about sharing information. #LIAM2022 #ProtectWhatMatters #PersonalFinance *Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.