Michelle Noel - Independent Agent
- Insurance Services - Insurance Companies
Having served families for 30 years+ as a mortgage/real estate professional, I've had the joy of handing keys to many families. Over time, some clients, as well as family & friends survived a "Life Happens" Event. Some faced extreme financial hardships including foreclosure/bankruptcy. My redirect into the insurance industry is a crusade to EDUCATE FAMILIES ABOUT LIVING BENEFITS, Life Insurance you don’t have to die to use. So before a Life Happens event happens: ie Critical, Chronic or Terminal at the very least learn about how Living Benefits may help protect your assets including your home by paying down or off the Mortgage.
MY CRUSADE: Serving you and your Family, being an advocate on your behalf with a focus in protecting your tomorrow. Educating you about Modern Day LIFE INSURANCE Products that ARE DESIGNED to help protect you financially while you are still living as well as your loved ones.
SCENARIO 1 - We never want to think about our potential demise, whether it’s a CRITICAL INJURY, OR CRITICAL ILLNESS such as Heart Attack, Stroke, Cancer, or even Death. However, the FINANCIAL impact of where those situations put us and our loved ones financially, is something that SHOULD be considered. I have personally witnessed unprotected individuals, as well as their children, spouses managing to homes being lost to foreclosure, now displaced; medical bills wiping out financial assets in a matter of weeks; or worse medical insurance not covering all that they thought it would, INCLUDING HIGH COST TREATMENT.
Life Insurance with Living Benefits – Offers solutions SHOULD SOMETHING HAPPEN – You’re protected. If a qualifying event giving you the ability to access your life insurance policy while you are still living – TAX FREE. Pay off a mortgage! Use the funds to supplement income that’s now lost, configure home for in-home care! Pay for treatment that your medical insurance carrier won’t cover! Bottom Line with this policy you WOULD have options.
SCENARIO 2 - Ideally, NOTHING HAPPENS, and you live a long healthy life! Longer than you expected, what if your retirement doesn’t last as long as you? SAME POLICY - if structured appropriately, could also offer you TAX FREE RETIREMENT OPTIONS SUPPLEMENTING YOUR RETIREMENT YEARS.
SCENARIO 3 - TRADITIONAL BENEFITS OF A LIFE INSURANCE POLICY – is still INTACT – TAX FREE BENEFITS TO YOUR SURVIVING FAMILY.
Bottom Line - MODERN DAY Life Insurance TODAY IS NO LONGER DEATH INSURANCE - but NOW Includes NO COST LIVING BENEFIT RIDERS ACCESSING YOUR POLICY TAX FREE WHILE YOU ARE STILL LIVING.
ALL 3 DIFFERENT SCENERAIOS COVERED WITH 1 SOLUTION
This is just one POWERFUL EXAMPLE of solutions that exist. SOLUTIONS that benefit INDIVIDUALS, FAMILIES, BUSINESS OWNERS.
ANOTHER SCENARIO ANOTHER SOLUTION: When the MARKET is NEGATIVELY impacting your 401K, OR MONEY MARKET ACCNT and you are seeing your lifelong nest egg plummet right before your eyes, are you living a stress free life? Did your retirement years now become working years? There are a Variety of Annuity Solutions that Exist offering no Downside Market Risk and only upside Market Gain.
Again, My intention is to EDUCATE identify AFFORDABLE SOLUTIONS, ASSIST with financial strategies, ALL TO PROTECT what you've worked for your entire life, PROTECTING you, your spouse, YOUR FAMILY'S lifestyle, your home, your bank accounts, when Life DOES Happen!
AFFORDABLE SOLUTIONS: Everything from Final Expense, Mortgage Protection Insurance, Whole Life, Term and Indexed Universal Life Products, as well as Annuities
SCHEDULE your in-home or virtual appointment to LEARN MORE. Call or Text (850) 583-4743
Licensed Life Agent
& Field Underwriter
Direct: (850) 583-4743
Family First Life
Whom to Contact
- Michelle NoelLicensed Life Agent, Field UnderwriterPhone: (850) 583-4743