Ellen Jacobs - Country Financial

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

Money conflicts are cited as one of the most stressful conflicts for couples. To help remove some of that burden, we're sharing our top marriage finance tips to get you started as you plan your new life.
✅ Budget together
Setting up a budget is the first step to managing money and getting on the same page as a married couple. Here are some questions to start with:
• Are you combining your finances?
• How much debt do the two of you have? How are you paying it off?
• How much can you save each month for rainy days and big purchases?
• Who pays for what and who handles the bills?
✅Consider life insurance
You can’t plan for everything in life, so talk about the tough stuff now. If something happens to you, you want to make sure your spouse can pay the bills.
✅Protect your valuables
Now that you’re rocking new bling on those ring fingers, did you know you can cover them on your home insurance policy?
✅Ask about liability insurance
Your new combined net worth may exceed what’s covered by your home and auto insurance policies.
✅Find a financial advisor
Sitting down with a professional to discuss your financial goals will help you consider long-term plans for your life together.
The sooner you start managing your money in your marriage, the better chance you have of reaching your goals.
Get started today with our budget calculator: http://bit.ly/4lYim2k

Permanent life insurance policies are different from term life in some key ways. Term life can be great for temporary protection, but if you need long-term security with some added benefits, permanent life might be right for you. Here are some benefits you should be aware of:

*Predictable premiums - Most permanent life insurance, including whole life policies, offer consistent premiums that policyowners can budget for. Individuals with these policies benefit from predictable premiums while securing valuable death benefit protection.

Indexed universal life insurance, a type of permanent life insurance, provides policyowners with significant flexibility in premiums and coverage. This can be valuable for individuals with less predictable incomes or who want to adjust their premium payments from year to year.

*Cash value - One key difference between most term policies and permanent life insurance policies is the presence of policy cash values. These cash values can be accessed by the policy owner for various “living benefit” needs. This may include policy loans, withdrawals or partial surrenders. When structured correctly, policyowners can use cash values without tax consequences, making them an attractive choice for many individuals.

Contact me today to discuss your life insurance needs and get a quote.

As your family grows, your instinct to protect them grows with it. Kelsie trusts COUNTRY Financial will be there for her.

I can do the same for you. Message me to get started with a home insurance quote today.