Not a “vanilla kinda” flavor!
..nothing against vanilla
Would you agree? This was a VERY - LONG - WINTER!! As we joyfully kiss winter 2018-19 goodbye we look ahead with anticipation at the glorious Spring season. Such is life in the Midwest. We soak in the changing of each season as we anticipate seasonal events.
Spring highlights include college basketball’s March Madness and MLB home openers if you’re a sports enthusiast. Tending to gardens, flowers, lawn and landscape if you have a green thumb. College graduations hopefully followed by new career adventures if you are a student or parent.
Oh, the sights and sounds of warmer weather await.
And, ICE CREAM!! Lots of Ice Cream (or frozen yogurt for the health conscious.) I am baffled by certain individuals, when presented with various scrumptious flavors and toppings, choose vanilla! Plain, old vanilla.
Well imagine an ice cream cone with scoops of delectable ice cream. A base of vanilla, with heaping scoops of chocolate, mint, strawberry or ________ (insert YOUR favorite flavor.) Today, I’d like to use ice cream to illustrate the sweetness, the power of life insurance benefits.
Whole life insurance, a type of permanent life insurance, is the foundation of a solid financial plan. But it is more than a plain vanilla product. Yes, it offers lifelong coverage with premiums that never change and a guaranteed death benefit. It can also be designed with benefits and riders that make it not “a vanilla kind of flavor!”
With a Waiver of Premium Disability Benefit Rider premium payments are waived if the insured becomes totally disabled while the policy is in force. Nearly 1 in 5 people have a physical or mental disability. My wife is 1 of the 5, diagnosed with MS. We are reaping the benefit of the Waiver of Premium Disability Benefit Rider.
The Level Premium Paid-Up Additions Rider allows for the purchase of paid-up additional insurance increasing both the Death Benefit and the Cash Value of the base policy. The Rider Cash Value is also available for partial surrender.
These are just two examples of how Permanent Whole Life Insurance is not just a “vanilla kinda” tool in a personal financial plan.
As the saying goes, “Life is better with ice cream”(and the peace of mind that life insurance provides.)
