natasha jones - Profile | Pictures | Blog
-
User: natasha jones
From: Hollywood, FL
Joined: Nov 3 2009 - 03:53:18 PM
Last Visit: Jan 7 2010 - 07:29:55 PM
Website: http://www.qualityoflifeinsurance.com
I am a: Work-outside-home parent
My work and family: Insurance Agent & Business Owner
Bio/Interests: Bowling, shopping, reading, internet, playing with my children, church, education & inspiring people, volunteering -
-
This member has not created any photo galleries yet.
-
Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Universal life coverage Option A pays the face amount at death as it's designed to have the cash value equal the death benefit at maturity (usually at age 95 or 100). With each premium payment, the policy owner is reducing the cost of insurance until the cash value reaches the face amount upon maturity. Option B pays the face amount plus the cash value, as it's designed to increase the net death benefit as cash...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Universal life coverage A universal life insurance policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. Mortality charges and administrative costs are then charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Universal life coverage Universal life insurance (UL) is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. There are several types of universal life insurance policies which include "interest sensitive" (also known as "traditional fixed universal life insurance"), variable...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Whole life coverage Whole life insurance provides for a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy. read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Permanent Life Insurance Permanent life insurance is life insurance that remains in force (in-line) until the policy matures (pays out), unless the owner fails to pay the premium when due (the policy expires OR policies lapse). The policy cannot be canceled by the insurer for any reason except fraud in the application, and that cancellation must occur within a period of time defined by law (usually two years). Permanent...read more...Life Insurance | Moms Miami //MomsMiami.com Member: natasha jones Life Insurance
Term Insurance Term assurance: provides for life insurance coverage for a specified term of years for a specified premium . The policy does not accumulate cash value. Term is generally considered "pure" insurance, where the premium buys protection in the event of death and nothing else. There are three key factors to be considered in term insurance: Face amount (protection or death benefit), Premium to be...read more...Insurance Review | Moms Miami //MomsMiami.com Member: natasha jones Insurance Review
When was the last time you had an insurance review 6 mons, 1yr, 2yrs, 5 yrs. Do I need an insurance review. Yes, if you had changes in your family. For example, a new edition to the family (a baby), new house, started your own business, loss a job, had a raise. It is very important to have an insurance review for yourself and for your family members. One of my client mother passed away about 4 months ago and before her mother...read more...Insurance Business Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Business Education
Are You Protected As A Business Owner What is a buy-sell agreement A buy-sell agreement may be thought of as a sort of "premarital agreement" between business partners/shareholders. An insured buy-sell agreement (agreement funded with life insurance on the participating owner's lives) is often recommended by business succession specialists and financial planners to ensure the buy-sell arrangement is...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Annuities An annuity is a unique financial instrument designed to help people accumulate wealth for the future. Deferred annuities offer the advantage of tax-deferral and are often used to accumulate money for retirement. Fixed deferred annuities accumulate value by earning interest on deposit(s) during the accumulation phase. Annuities can also provide a stream of income payments that can be guaranteed...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Starting a Business You scouted the perfect location. You designed the business cards. You spent six months deciding on a name. Now you can finally stand back and admire the final result – a business of your own. Your business will also need financial strategies that extend beyond next week's payroll. The right insurance products can help you attract and retain quality employees. Explore...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
INSURANCE TERM BASICS Annuities Contracts in which the buyer pays funds to a life insurance company for investment and, in return, the life insurance company agrees to pay the annuity owner periodic payments during his or her lifetime, typically for retirement purposes. During an annuity's accumulation phase, funds within the contract grow either at a fixed or variable rate, depending on the type of annuity...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
You know you can protect your property through auto and homeowners insurance. Have you thought about how to safeguard your most important asset - your ability to work and earn an income? Your lifestyle, your investments, your plans for the future - they all rely on your ability to produce income. While the risk of accident or illness is a reality for working people of any age, you can easily guard against the...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
LIFE EVENTS Think for a moment your life probably was not the same as last year. Maybe you got married, bought the house you always wanted, maybe you started your own business or you are thinking about retirement. Guess what you insurance needs changes as well. read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Whole Life Also known as permanent insurance that offers life insurance protection throughout the life of the insured as long as the premium is paid when due. The premium may be level or increase after a fixed period, but it will not change from the premium schedule provided when the policy was purchased. Part of each premium payment is applied to the policy's cash value account, which grows on a tax-deferred basis. In...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
INSURANCE BASIC TERMS Estate Planning A procedure for the accumulation, conservation and distribution of personal wealth. Estate planning seeks to transfer the estate to heirs with a minimum loss in taxes and other expenses. Life insurance is typically used as part of an estate plan. Depending on the size and nature of the estate, an individual should solicit the expertise of an accountant, financial planner,...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
INSURANCE BASICS TERMS Asset Accumulation Cash value life insurance policies offer the ability to accumulate cash values on a tax-deferred basis (based on current federal income tax laws). Depending on the type of policy, the funds can grow at guaranteed fixed interest rates or at variable rates tied to the performance of selected investments. Assets that accumulate within a life insurance policy (net of...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Why Purchase Diability Income Insurance? Diability Income Insurance replace a portion of lost wages during disability so living expenses and monthly bills can be paid. You can focus on recovery instead of worrying about money. You protect your assets from liquidation. You keep any personal savingfs for their intended use. You maintain financial security and independence. You benefits are not considered income and are received...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
What is a children Term Life Insurance Rider (CTR) This rider providers term life insurance on the base Insured's dependent children until the earlier of the Insured child's 25th birthday or the insured's age 65. To be eligible for coverage, a child must be the base insured's child, legally adopted child, or step child. Premiums are level amount per $1000 regardless of the number of children covered under the...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
When was the last time you had an annual review with your life insurance agent on your insurance policy, and the policy of your love ones. We all have changes in our lives, whether if it is buying a new house, lost your job, had more children, got married or divorce, or which jobs and don't know what do with your 401k, 403b, etc. Do the research it is very important that your family is protected because we are not promised...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
What is the difference between term and whole life insurance? Term life insurance cover temporary needs such as, mortgage or other debt protection, family protection until the youngest child is grown, business purposes (key person coverage, cover a loan), this covers long term needs, but cash flow is not sufficient to buy permanent insurance. Whole life insurance is a life insurance policy that remains in force for the...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
POWER FEATURES of an insurance policy Does your life insurance policy provide flexible level premium periods, which allows the owner/insured to choose from multiple premium periods that best fit their needs. Does your life insurance policy provide no-cost accelerated benefits riders (ABRs): with no-cost ABRs, allowing the owner to accelerate up to the full life insurance benefit if the insured suffers a critical,...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Do you know what type of life insurance policy do you have. And do you know what you and your family is covered for. Does your term insurance pay if you have a heart attack, invasive cancer or stroke and DON'T DIE? Can you choose your benefit period and coverage amount that is right for you. Does It cover the ideal protection for your mortgage! Is it term insurance that you dont have to die to use! Does it give you...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Questions to ask yourself? 1. How long could you maintain your current lifestyle if you suffered a serious illness or accident and lost your income? 1, 3, 6, 9, 12 months 2. Does your current life insurance plan give you access to the death benefit without dying? 3. In your opinion, which of the following financial security needs are most important? Life Insurance, Critical Illness, Disability Incomes, Long Term Care, Supplement...read more...Insurance Education- Statistics 2 | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education- Statistics 2
If You Become Disabled, What May Happen? Consider the Facts: - Men have a 43% chance of becoming seriously disabled during their working years, while women have a 54% chance. (why disability" booklet, published by National Underwriter)...read more...Insurance Education- Statistics | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education- Statistics
"What is the likelihood of dying too soon, living too long or depleting assets due to a critical illness?" 62% of all deaths in the United States are due to a Critical Illness. For every 100 people age 65 and over, the above situation exists today. These people didn't plan to fail... they simply failed to plan. read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Is it possible to change my life insurance policy if I already have one? You can replace your current policy; however there are several issues to consider when determining to change coverage. New policies typically have high costs the first few years. If you want to increase your total life insurance, it may be wiser to keep your old policy and simply add a new one, or increase your specified face amount under the same life...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
What is the difference between term and permanent life insurance? Term life insurance is typically the least expensive type of coverage, at least initially, and the simplest. These policies do not build up a cash value. Coverage is in effect for a fixed term or period of time, usually one to 30 years, and typically may be renewed after the initial term. The policy pays your beneficiary a fixed death benefit if you die while the...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
How do I determine which policy is right for me? Life insurance is a long-term commitment. Before buying any policy, ask yourself these very important questions: How much insurance do I need? If I were to die, what would my spouse and dependents need in order to live comfortably? In addition to protection, what am I trying to accomplish with life insurance? Am I accumulating funds for education costs? Providing a way to...read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
How much life insurance should I carry on myself? Your income can be considered your family's most valuable asset because it allows you to obtain the necessities of life. Some day you may not be here to provide that income, yet the need for income may continue for those who are financially dependent upon you. Your need for life insurance and the amount required will depend on your personal and financial circumstances. If any...read more...Insurance Education 103 | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education 103
Do I need life insurance? Yes, if you have bills, a car loan, dependents, or a mortgage, you need life insurance. If you are the primary earner and your income is necessary to maintain the family household, your dependents may suffer financially if you die. The policy’s death benefit can fund your dependents’ needs. read more...Insurance Education | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education
Is it possible to change my life insurance policy if I already have one? You can replace your current policy; however there are several issues to consider when determining to change coverage. New policies typically have high costs the first few years. If you want to increase your total life insurance, it may be wiser to keep your old policy and simply add a new one, or increase your specified face amount under the same life...read more...Insurance Education 102 | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education 102
What is Life insurance? Life insurance can be a resource of funds for your loved ones to meet their needs in the event of your death. You enter into a contract with an insurance company, which promises to provide your beneficiary(ies) with a certain amount of money (the death benefit) upon your death. In return, you make periodic payments, known as premiums. The amount of the premiums generally depends on factors such as your age,...read more...Insurance Education 101 | Moms Miami //MomsMiami.com Member: natasha jones Insurance Education 101
I never thought about insurance until the insurance crisis started a few months ago. I didn't realize how important it was to have life insurance, supplemental health or even investing in annunities for that matter. I have a 16 year old daughter and a 3 year old son. I really never thought about there future if something was to happen to me as their mother or their father. Until I did my research. I think when you mention...read more...
How much do you know about your insurance!
September 2010 
Su Mo Tu We Th Fr Sa 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Tags
education (28)
family (28)
mom (28)
children (25)
child (24)
dad (24)
business (4)
insurance (4)
Submit Photo
Find the photo you want to submit (by clicking on browse) and give it a title and description. Pick a personal gallery to display the photo and hit "Create". Hint: You must put this photo in a personal gallery, and if you would like to submit it to a Mom2Mom gallery you can do that as well.
Items marked * are required.
Create Gallery
Create a gallery by clicking "Create Gallery". Name your gallery and add a description and hit "Create".
