JohnConner.com

Click Here for an Instant Term Life Quote 

With a policy in place today, you can:

• provide security for your family.
• protect your home mortgage.
• look at your estate planning needs.
• look at other retirement saving & income vehicles.

Whether your term life insurance need is short term or long term, temporary or permanent, meant as an investment, or a retirement vehicle. We will give you the right information and the most appropriate quotes instantly.

An important part of a sound financial plan, life insurance provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.

The two types of life insurance are term and permanent. The one that’s right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you’d like the coverage to last.

Term policies can help meet a wide variety of business and personal needs and often provide the most coverage for your premium dollar for set periods of time. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific need, our term policies have the flexibility to help meet your needs.e will explain, compare features, compare rates on your term life insurance, and also help you determine the right type of insurance that matches your situation. We’ll obtain the best possible life insurance rates for your circumstances.

All this information for free without any obligations!

• Term Life
• Universal Life
• Variable Universal Life
• Whole Life
• Annuities
• Long Term Care

Feel free to call anytime for a custom quote at 800-700-1246
or I can be emailed at: John@JohnConner.com

I look forward to hearing from you.

Thanks … John Conner

  In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.

If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide (for a simple example, if you do your own taxes, the survivors might have to hire a professional tax preparer). Also, your family might need extra money to make some changes after you die. For example, they may want to relocate, or your spouse may need to go back to school to be in a better position to help support the family.

You should also plan to replace “hidden income” that would be lost at death. Hidden income is income that you receive through your employment but that isn’t part of your gross wages. It includes things like your employer’s subsidy of your health insurance premium, the matching contribution to your 401(k) plan, and many other “perks,” large and small. This is an often-overlooked insurance need: the cost of replacing just your health insurance and retirement contributions could be the equivalent of $2,000 per month or more.

Of course, you should also plan for expenses that arise at death. These include the funeral costs, taxes and administrative costs associated with “winding up” an estate and passing property to heirs. At an absolute minimum, plan for at least $15,000.

§         Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
§         Prevent a family’s suddenly dropping from its accustomed standard of living after the death of the breadwinner.
§         Provide continuous flow of funds for the living spouse.
§         Allocate income funds for the children’s education.
§         Provide a retirement income throughout old age.
§         Provide a reliable savings plan for the future.
§         Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses.
§         Furnish surplus earnings for the investors should disaster strike.

APPLY FOR TONIK ONLINE - California Colorado Nevada

Tonik Includes: Health, Dental & Vision

• Spend a day in the hospital. Average day in the hospital: $7,8175.
• Your appendix burst. Care and surgery for appendicitis (5 days in hspital) $48,151.
• Your knee just popped. Knee surgery and care (2 days in hospital) $48,302.
• You landed wrong, Really wrong. Fractured ankle, compound fracture of tibia and fibula (7 days in hospital, surgery) $101,790.
• You need to be flown to the hospital. Air ambulance: $12,530.
• You need to be driven to the hospital. Ambulance ride $607.
• Your skull cracked. Skull fracture, head injury, intracerebral hemorrhage: $291,305.

 APPLY FOR TONIK ONLINE - California Colorado & Nevada.

Tonik is great!  If you have a tonik plan in California, Nevada or Colorado and move to one of the other states you can simply move with your tonik plan.  Simple as that!

Remember Tonik plans include Health, Dental along with vision benefits all in one easy to use package.  Tonik is for anyone!  Although the Tonik plans are marketed to the younger age groups, any healthy person under age 65 can apply for coverage and enjoy the rich benefits the Tonik plans have to offer.

3 affordable plans; $1,500, $3,000 and the $5,000 deductible plan options, office visit co-pays and 100% coverage after the annual deductible has been satisfied.  Don’t forget the plans include Generic drugs for a $10 co-pay.

• Pay month to month by credit card or checking account so you don’t have to worry about not paying the bill and lapsing coverage.
• No long term contracts, month to month.
• No broker or application fees.  Just the monthly premium.
• Call today, you can have coverage tomorrow.