LIFE INSURANCE BASICS
Shopping for life insurance can seem overwhelming, but deciding which type of policy you need is actually simple. There are only TWO MAIN TYPES of policies to choose from. It is important that you learn the advantages and disadvantages.
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WHAT IS THE DIFFERENCE?
  • Term life insurance lasts for a specific amount of time like 10 or 20 years
  • Permanent life insurance (Like Whole Life and Universal Life) can last your entire life and have many benefits like tax-free growth (for income), long-term care benefits, wealth transfer, and more. (Check out the list below) 

Before you decide between term and permanent coverage it is very important to understand how they all work and to run an analysis to find out which options will benefit you the most with your specific needs and situation. There is no one answer that fits everyone. We use a LIFE INSURANCE calculator that is based upon all your income, investments, expenses, taxes, inflation,  and more. Request your FREE Analysis today.
Would you like a quick quote on either a Medicare, Health or Life Insurance plan now? Just click GET A QUOTE to started.
Permanent Life
Advantages
  • Eliminate Future Tax Risks
  • Eliminates Market Loss Risks
  • Sharply Reduce Fee Risk
  • CHRONIC & CRITICAL Illness Advantage
  • Increases Collateral Capacity
  • TERMINAL ILLNESS advantages
  • ​Delivers LIVING BENEFITS
  • Litigation Insulation
  • Mitigates LONGEVITY Risk
  • College Aid Advantages
  • SAFETY & LIQUIDITY
  • ​FULLY DISCLOSED FEES
  • Market Linked Indexes
  • No Age Limit Restrictions
  • ​Estate Planning Tool
*** Life contracts are not all the same. Please speak to us and read the product illustrations.
Let's look at some sample Illustrations...
Learn about Premium Financing
Leveraging how you can succeed
THREE TYPES OF TAXES
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HOW IS LIFE INSURANCE TAXED?
*** Life Insurance Policy has different options which includes a MEC and NON-MEC which determines if the product can be used for TAX-FREE Distributions or not. This is important to set-up correctly.
Multi-Generational Strategy
A SHORT VIDEO ON WEALTH TRANFER PLANNING
  1. Make sure there is still wealth to pass down (Long-term Care can wipe out an estate in a few short years)
  2. Tax Concerns (Federal and Lower State Taxes)
  3. Consider using a Trust (How you want money spent)
  4. Will vs Living Trust ( A trust will bypass probate and keep the matter a private affair)
Multi-Generational Wealth Transfer Concept
You could potentially SAVE money with a ROTH IRA or maybe use the power of a Fixed Index Universal Life Policy (FIUL) to provide children with a TAX-FREE, market SAFE income for life and avoids the ROTH 10 year rule for disbursement.
This sample of a ROTH IRA could save the person up to $519.622 of additional tax. But what if you took the $600,000 Net of taxes and used this strategy to create $345,866 of TAX FREE INCOME for your kids over their lifetime?
WATCH THIS WEBINAR
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The content of the Birdseye Financial website, email, fax, social media, text messages, online meetings, and phone calls are for educational purposes only. Any material and its attachments, links, downloads, and/or any emails from Birdseye Financial employees/contractors are not intended to provide legal or tax advice. To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal or state tax advice contained in communication (via Website, Email, Fax, Text, Social Media, in person, or by phone) is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Please seek the advice of appropriately licensed individuals for legal or tax advice relating to your individual situation. Birdseye Financial and its employees/contractors are not tax, legal, or investment advisors and are not operating in such a manner. Any advice you receive should be taken as non-tax, not legal, and non-investment advice and only educational in nature. Should our clients need a licensed investment advisor, we recommend LifePro Asset Management. Please know investments in the market carry an inherent element of risk. No investment in the market or strategy can guarantee a profit or prevent a loss. Any illustrations used in the sales or service process are to be considered hypothetical and for explanatory purposes only. 

MEDICARE MANDATORY DISCLAIMER
“We may not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.” All calls regarding Medicare may be recorded by phone or online and a SCOPE of appointment required by Medicare will be obtained 48 hours prior to any sales meeting to discuss plan details. (NOTE - The organizations and plans can vary by state and county, we can validate these numbers upon request.)

Birdseye Financial and its employees/contractors are not employees/contractors of Medicare, the government, insurance company or any other agency. We are independent licensed agents. All calculators and illustrations shown or sent from our website, email or any other means are designed to be informational and educational only. They do not constitute investment advice. We encourage you to review your insurance and investment strategies periodically as your financial circumstances may change. On many products it is important to note that PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS OR INTENDED TO PREDICT ACTUAL PERFORMANCE. ACTUAL INTEREST CREDITING RESTULTS WILL VARY BASED ON MARKET CONDITIONS, INDEX ALLOCATIONS, AND INTEREST CAPS, RATES, SPREADS, PARTICIPATION RATES and possible Fees. The use of different time periods and funding amounts can cause results to differ from other products. Illustrations may be based on hypothetical historical data. 
 
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