Life Insurance Quote | Term Life Insurance, Whole Life Insurance, Mortgage Protection, IUL, Final Expense If someone depends on you financially, do you worry if they will be able to manage if you're not around? Who will be there to protect them from the rising cost of living or the burdon of final expenses? Fifty percent of Americans don't have enough saved for retirement. How will they maintain your current quality of life? At Jennifer Lang Financial Services, we help families and small business owners nationwide like you, find the right life insurance policy you can trust. We work with the best A+ rated carriers to secure the best rates for our clients. Our licensed agents are experts, with inside experience of what it takes to successfully get great life insurance products into the hands of our clients. Whether you need Term Life Insurance, Whole Life Insurance, Mortgage Protection Insurance, IUL with Living Benefits, Final Expense Insurance or a 401k Rollover Annuity, at Jennifer Lang Financial Services, we have you covered. Take the guess work out of life insurance planning. Call us today at 916-458-4515 or visit us online at JenniferLangFinancialServices.com to learn more.

Group Term Guaranteed Issue for Small to Mid Sized Business Owners Would you like to get up to $5mm of life insurance through your company with no Under Writing (guaranteed issue)? It’s called Executive Life or group term carveout, and it’s a benefit for only highly compensated employees. It’s a low cost UL policy that the company pays for and its portable so you can take it with you when you leave or retire. Simply have your benefits manager or CFO contact us to see if your company qualifies. Basic qualifications: A minimum of 25 executives making over $100k per year. If your company already offers an executive life insurance program, we can review your current plan to see if we can improve your coverage or reduce the cost for your company. Visit us online to learn more: https://www.jenniferlangfinancialservices.com/group-term-plans #groupterm #groupbenefitplans #retirement #groupretirement #retirementplanning #smallbusinessowner #smallbusinessretirement #IUL #BusinessIUL #grouplifeinsurance #smallbusinessownerlifeinsurance

Annuity Quote | Long Term Care Annuity | JenniferLangFinancialServices.com Seven out of 10 Americans who turn 65 years old today will need some type of long-term care services in their remaining years, according to the U.S. Department of Health and Human Services. Long-term care refers to services and support needed to meet health or personal care needs over an extended period of time and most often includes help getting dressed, bathing, using the bathroom and performing other activities of daily living. A long term care annuity is long term care insurance that can help pay for Nursing Home, Assisted Living, and Home Health Care costs, tax-free. A long-term care rider is an optional benefit you can add to an annuity contract that helps cover long-term care expenses. You can access the benefit right away, and if you end up not needing it, you can pass it on to your beneficiaries. Funding Options: - 401k Rollovers -IRA Rollovers -TSP Rollovers - Partial In Service Rollovers Learn more: https://www.jenniferlangfinancialservices.com/annuities #annuityquote #401krollover #tsp #retirementplanning #longtermcareannuity

Why The Need For Long-term Care Insurance? JenniferLangFinancialServices.com LTC insurance is a way to reimburse clients for covered expenses they may need with care at home or in a facility when they are unable to do some of these basic daily activities of daily living (ADLs): bathing, dressing, eating, continence, toileting and transferring. Asset-based LTC products are about helping clients be prepared and provide protections clients won’t get from other options.. That way, if care is needed, they can pay for those services or care so loved ones don’t have to provide the care or change their lifestyle to provide care. Visit us online to learn more: https://www.jenniferlangfinancialservices.com/ #NeverTaxed #RetirementFreedom #EDSLOTT #LongTermCareInsurance #Annuityquote #IUL #LifeInsurance #FinancialPlanning

JenniferLangInsuranceDivision com Life insurance for business owners Key Man Insurance If you need help figuring out how much coverage you need, you're not alone. That's why we're here! At Jennifer Lang Financial Services, we can help you figure out how life insurance fits into your overall financial plan. Visit us online: https://jennifer-lang.insurancedivision.com/28155/O5Ubc9/ #NeverTaxed #RetirementFreedom #EDSLOTT #JenniferLangInsuranceDivision.com #lifeinsurancequote #keymaninsurance #smallbusinessowner #retirement

JenniferLangInsuranceDivision com | Life Insurance Quote Online Life Insurance Made Easy. Save on your family's insurance needs. Comparing quotes is fast and easy. Short on time? In seconds, our instant quoter shows you policies and rates from the nation's top-rated insurance companies. Use our free online quoter to search for a policy. We'll show you the best available rates based on your criteria, with absolutely no obligation to buy. Compare rates for dozens of top companies. You can also check out their financial ratings to help choose the right provider to meet your needs. Select the policy that's best for you. Our easy online application gets the process started. If you have questions at any time, we're here to help. Get started today with a free online life insurance quote: https://jennifer-lang.insurancedivision.com/28155/O5Ubc9/ #NeverTaxed #RetirementFreedom #EDSLOTT #JenniferLangInsuranceDivision.com #lifeinsurancequote #termlifeinsurance #cheaplifeinsurance #wholelifeinsurance #IUL #disabilityinsurance #finalexpenseinsurance #burialinsurance #mortgage #mortgageprotectioninsurance

JenniferLangFinancialServices.com | How To Invest and Retire Like the Wealthy. Why using leverage is smart. We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage. - Potential for more accumulation. - Maintain current lifestyle. - More protection for you and your family. - Diversify your assets. Click here to learn more: https://www.myilia.com/agent-link/980b66e5-5e7d-46ac-b953-5cf33c6db79f #JenniferLangFinancialServices #lending #smallbusinessowner #retirement #stockmarketnews #investing #financialadvisor #highnetworthtaxsaving

JenniferLangInsuranceDivision.com | Be Your Own Bank and Supplement Retirement With an IUL. What if you could be your own source of financing when the need arises instead of leaning on banks, finance and credit card companies? What if you could borrow against a life insurance policy and pay it back, instead of the bank? What if you could pay yourself back for a loan instead of paying an institution? When you become your own banker, you can do just that. You borrow against your life insurance policy and rather than enriching the bank, your payments go to enrich your heirs when the policy pays out. Benefits of Becoming Your Own Banker Being your own banker is an option that can be used to improve your financial peace of mind. There are several benefits to banking on yourself, and these include: • Being able to reduce your debt as you increase your savings • Building a college fund without sacrificing to do so • Easily creating an emergency fund • Recapturing the cost of business and professional expenses • Recapturing the cost of the interest you currently pay to financial institutions • Enjoying financial freedom as well as a secure retirement without worrying about market fluctuations • Having a guaranteed tax-free death benefit • Having access to tax-free withdrawals, loans and growth Talk to a Licensed Agent and Get a Free Quote Today: https://jennifer-lang.insurancedivision.com/28155/O5Ubc9/ We recommend you also watch: https://youtu.be/nXw3PglAxNg #NeverTaxed #RetirementFreedom #EDSLOTT #JenniferLangInsuranceDivision.com #IUL #bank #retirement

JenniferLangInsuranceDivision com | Life Insurance or a Traditional IRA Which One Helps Pay Less Taxes We recommend you also watch: https://youtu.be/7iTAByLqOso American workers have more than $2 trillion invested in IRAs, according to research firm Cerulli Associates. IRA investment is expected to grow faster than 401(k) growth through the year 2022. That's because not all employers offer 401(k)s, and when people leave a job, it's easier to roll an old 401(k) into an IRA instead of waiting for the next 401(k) opportunity to come along. But what if an IRA isn't the best way to save for retirement? Let's find out. How a Traditional IRA Works A traditional IRA is funded with pre-tax dollars. As of 2014, you're allowed to contribute up to $5,500 per year through the age of 50, and then $6,500 each year afterward. You don't pay tax on the money you contribute to your IRA, and that money grows without being taxed, either. It's designed to help you save a nice chunk of change for retirement, with the assumption that you can't afford to pay tax now, but you will be able to afford that tax later. When it's time to retire and you begin taking distributions, those payments are taxed as ordinary income. Just don't take any of that money out before age 59 and a half, or you'll incur a 10% "early withdrawal" penalty! It sounds reasonable, right? The problem with this approach is the tax rate. You pay no tax to invest in your IRA, but what happens if the tax rate goes up later? It might be 10, 20, 30, or even 40 years before you retire. A lot can happen during that time! If the tax rate is lower while you're working, you'd be better off paying tax now and reaping the benefits later. How Permanent Life Insurance Works Now, let's look at an alternative way to fund your retirement: with permanent life insurance. The main reason to buy life insurance has always been the death benefit. If something happens to you, your family (or other beneficiary) receives the cash they need to pay bills. However, permanent life insurance also builds cash value that you can pull out, potentially tax-free, to pay for retirement. How does it work? In most situations, you can withdraw or take loans against your policy's cash value absolutely tax-free (up to the value of premium payments you've already made). No, it's not a magic solution—the more you pull from your cash value, the less may be available for a death benefit if you pass away. It's a trade-off that doesn't work for everyone. However, chances are the older you get, the less death benefit you'll need anyway. The kids are probably grown and you might have already paid off the mortgage. If your financial commitments are shrinking, it could be a smart solution to pull money from your policy to support your retirement...without worrying about a growing tax rate that shrinks the value of your dollars. Contact us today. We can help you with options to fit your age, budget and goals. https://jennifer-lang.insurancedivision.com/28155/O5Ubc9/ Bonus video: Be Your Own Bank: https://youtu.be/7iTAByLqOso #NeverTaxed #RetirementFreedom #EDSLOTT #lifeinsurancequote #IUL #taxes #JenniferLangInsuranceDivision.com