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Focus On Finances May 2019

Focus On Finances May 2019

By Jason Reeves

Click aqui para español- >Concentrarse en las finanzas mayo 2019

Hi everyone! I hope that you’re staying focused on your personal and financial goals! This month’s focus is on the importance of life insurance. There are a few topics that we will discuss and hopefully give you some clarity on. 

  1. Life Insurance is expensive: There are two primary types of life insurance; whole life and term life. Essentially, whole life provides coverage for your entire life while term is for a specific number of years. As such, term life tends to be more affordable but can expire if not renewed. Also, in most cases, the younger you are the more affordable the coverage. Start young!
  2. My job provides Life Insurance for me: Although this may be true, your benefits don’t typically go with you if you leave. Also, most employers have a 60-90 day waiting period for new hires before they’re eligible for benefits, so you risk being uncovered. A supplemental policy remains in force regardless of where you work or your current situation.
  3. All insurances are the same: There’s several types of insurance that serve different purposes. The most well-known are health, dental, and vision. What often goes ignored is life insurance and disability income insurance. Each of these protect you and your loved ones in the event you’re unable to work or provide for them any longer.
  4. It’s just me, I don’t need Life Insurance: While it may just be you, medical and final expenses live on and are passed on to your family members, caretakers, or estate. Without proper coverage, there’s a risk of becoming a burden to those you care about.
  5. The process takes forever, I don’t have time: With the advancement of technology, getting a quote and having a policy put in place is easier and more convenient than ever.

Get started today by viewing this link: https://coverpath.massmutual.com//?fg=Jason-Reeves-599468  or for more complex situations, reach out to me at This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Would you like to put together a personalized plan? Schedule your initial consultation at www.seguewealthmanagement.com -

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Publisher's Note

There is an idea that most Latino immigrants who come here lack education, and thus are bound to perform jobs that require more physical abilities than intellectual ones.

The laborers usually receive a negative stigma, even though the United States society requires these types of jobs to function properly. It is important to us to remember there is dignity in any job. 

In our Líders section, we feature Mari Alejos-Puente, an entrepreneur who is succeeding in the cosmetics’ industry. She graduated from Tulane University and Xavier University and she told me how her mother and her grandmother  were part of the cleaning crews at these institutions, respectively, and how proud they were to see her obtain her undergrad and master degrees.

It is a beautiful thing when you know ladies like this mother and grandmother work hard to give a better life to their children. I wanted to mention this as a side note, because it is important to highlight their efforts, just as much as the effort of the highly skilled professionals we are featuring in our cover story.

In our cover we feature three Latin American physicians who are giving individuals a second chance in life with through their commitment and work at the Ochsner Transplant Institute.

Let his note be a reminder that Latinos, in every field, are providing their skills, talent, and sacrifices every day to make the United States a culturally and economically stronger society.

AnaMaria