Luxury Lifestyle Life Insurance – The New Wave of Life Insurance as a Wealth Benefit and Not Just a Death Benefit
by ebony ruffin. GUEST CONTRIBUTOR. founder. ruffin consulting services.
“Once your mindset understands the priceless value of life insurance, incorporating life insurance in your financial plan becomes the easiest business decision for you, your family, legacy, and net worth."
Ebony Ruffin
Ruffin Consulting Services
Founder & CEO
Faces By Dior Honoree
www.ruffinconsultingservices.com
Auburn University
Bachelor of Science in Business Administration Major: Finance
Mercer University
Master of Business Administration
Charity Involvement: The Drake House and HOPE Inc.
Social Media Handles:
Instagram: @ruffinconsultingservices
Linkedin: https://www.linkedin.com/company/ruffinconsultingservices
Facebook: https://www.facebook.com/ruffinconsultingservices
Email: info@ruffinconsultingservices.com
What is Luxury Lifestyle Life Insurance?
Luxury lifestyle life insurance is a mindset of accepting life insurance as a wealth benefit and not simply a death benefit. The mindset that your life is your most valuable luxury asset is a direct implication of changing the narrative of life insurance from a death benefit to a wealth benefit. Once your mindset understands the priceless value of life insurance, incorporating life insurance in your financial plan becomes the easiest business decision for you, your family, legacy, and net worth.
Now let’s breakdown the ways you can consider life insurance for your luxury lifestyle.
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EBONY RUFFIN FOUNDER & CEO OF RUFFIN CONSULTING SERVICES RAISES THE BAR FOR LIFE INSURANCE SERVICES BY OFFERING TAILORED SOLUTIONS FOR EVERYONE
Key Person Life Insurance – Business Owners & Entrepreneurs – Succession Planning
Key person life insurance is essential to any business that will be directly impacted if the owner, executive, stakeholder, or other important individual passed away. Consider a business that is operated as a partnership with each partner playing a critical role in the operations of the business that directly impacts the service or product to a customer and the revenue. Take a moment and think about your business operations. You have dedicated your life to building your business. Should your business die when you die? Should your business be faced with closing your doors or shutting down a portion of operations because a key person of the business dies? What is your succession plan in the event you or a key person passes away? Key person life insurance is a solution to losing a key person in the business and requiring capital to temporary or permanently replace the talent and continue business operations after losing a key stakeholder. Here is what you need to know to insure your key persons.
Key person life insurance is a life insurance contract between the life insurance company and the company of the key person.
The company of the key person pays the life insurance premiums and is also the beneficiary of the life insurance policy.
The key person is the insured of the life insurance policy.
The company is the owner of the life insurance policy.
In addition to the life insurance application, the life insurance company may require additional documents such as a Business Insurance Worksheet and Insured Notification Consent Form.
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Individual Life Insurance – Why Your Employer’s Life Insurance is Not Enough
Life insurance through your employer is called group-term life insurance. The coverage is typically at no cost to you as the employee and offered up to a limited face amount. Additional coverage beyond the group-term will cost and may require a medical questionnaire. Group-term life insurance is great BUT only while you are employed with the employer. Your life is worth the guarantee of life insurance coverage rather employed with an employer or not. Life insurance outside of an employer is essential to creating and sustaining generational wealth. Often times employees are satisfied with group-term life insurance because of lack of information to become knowledgeable on why life insurance outside of an employer is necessary.
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Here are a few questions to ask yourself when considering life insurance outside of an employer.
Is the coverage my employer offers enough to satisfy debt, cover burial expenses, and create generational wealth?
Should I consider a life insurance plan outside of my employer based on my current age and health to help offset an increase in insurance costs by waiting later in life to obtain coverage?
What is the cost to continue the same coverage if separated from the job?
Does the employer's plan provide adequate coverage for my spouse, children, and parents?
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Your legacy is worth the luxury of affordable and adequate life insurance coverage. Know your worth and get insured. This is the perfect time on your financial journey for us to speak if you can identify with the following.
You only have life insurance coverage through an employer.
You’re a business owner and need key person life insurance.
You’re a high net worth individual and need to incorporate life insurance in your financial plan.
You understand being healthy and young can actually save you money with the cost of insurance and you want to take advantage of the cost savings now.
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Remember, you don’t need the perfect situation to get life insurance. You only need to know your worth and schedule your life insurance consultation today. Click here to book your life insurance consultation.
For more tips and resources on asset protection and generational wealth, connect with Ruffin Consulting Services here on an intentional journey of changing the narrative of life insurance from a death benefit to a wealth benefit.
Ruffin Consulting Services
Website: https://ruffinconsultingservices.com
Instagram: @ruffinconsultingservices
Linkedin: https://www.linkedin.com/company/ruffinconsultingservices
Facebook: https://www.facebook.com/ruffinconsultingservices
Other: Free Life Insurance eCourse https://ruffinconsultingservices.com/product/life-insurance-e-course/
Press: Click here for press, testimonials, and other valuable resources
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