The Insurance Tenor

02/14/2025

We’ve already seen so many young and healthy people who later experienced unexpected health issues, as well as accidents, and they end up crowdfunding via GoFundMe, among others.

It’s complete irresponsibility and disregard if you rely on people to help you when you have the ability to plan for rhe unexpected yourself while you’re still younger and healthier.

Highly consider acquiring Indexed Univeral Life Insurance that will definitely benefit you, not just for the people you leave behind, but for you, personally, while you’re still physically able. You won’t know until you ask. You can curtail it to your goals and needs.

It starts with the initiative to ask and inquire.

11/02/2024

To be honest, I fear for my life if Trump becomes President, again. It’s not an exaggeration. I’ve never felt so panicked. So if you and your friends haven’t decided yet, or have planned to vote for him, please consider voting for . As I’ve mentioned before, I didn’t strive to become a US Citizen only to have the feeling of being oppressed and prosecuted later down the road. We’ve come a long way with progress, and we need to keep moving forward. There are others like me who feel the same, and a lot of them are your friends, too.

11/29/2023

The Long Term Care Rider available with a Transamerica Financial Foundation IUL policy provides ongoing care for people who need help following an accident or an illness, or just due to the natural aging process. Learn what you need to know to sell it, and see how it can help your business grow.

07/24/2023

“Where we’re going, we don’t need roads.”

07/15/2023

02/16/2023

It’s that time again for me remind everyone how a life insurance can benefit you in the future:

• Unexpected or unimaginable sickness or condition, like cancer, or just getting old
• Unexpected accident that will leave you disabled
• Unexpected loss of income

Don’t think about only death when you hear life insurance. It’s not called death insurance. LIFE means you can benefit from your insurance WHILE YOU ARE ALIVE. Yes, that’s true.

You pay home insurance, renter’s insurance, and car insurance. You only benefit from them when something bad happens. And if you don’t have any car-related accidents, or home-related incidents, all that money you paid for you don’t get back.

Guess what? If you have life insurance, specifically permanent insurance, not only is your life covered, but also your “living.” What do I mean by that? It means as long as you maintain your payments, you are also saving up for a rainy day, and even have access to financial help in case any of the above scenarios happen. You won’t have to rely on GoFundMe. People will be generous if they want to. But it’s always good to know that you, yourself, have that peace of mind and can take care of yourself and/or your family.

Over the past few years, I have seen news about people getting terminally ill, become incapacitated, and even die, and a few of them have asked other people for help because of their inability to afford expenses, treatment, and interment.

Plan your future now. Yeah, you’re healthy now. But you can’t predict the future. The longer you wait, the older you get, and the more difficult it will be to acquire your ideal choice of coverage, or worse, get denied. When you say you don’t need it, it just means you won’t need it until tragedy hits. And you want to be prepared when that happens. People see tragedy as death, but even as a critical or terminal illness, accident, or sudden loss of income.

Think about that, especially for those who have loved ones, like your spouse and/or your kids. As we’ve seen in the past 3 years, we didn’t expect such a pandemic to hit and last a long time, and we scrambled to see how we were gonna survive.

I became a financial service agent primarily to enlighten and help people survive hardships. And one of the main reasons you always see me with full of energy is I’m not concerned: I’m not worried of my future: my life, my finances, my lifestyle, as well as my spouse’s.

If you have any questions, or want to delve more into this, please send me a message. I look forward to hearing from everyone of you.

RoRo
Licensed Insurance Producer
IL • CA • NV • NY

02/11/2023

Taking public transportation (bus), wearing my and mask, ignoring the loudness of people talking on the phone, listening to some .

01/20/2023

What some of you keep ignoring, but still worth repeating every once in a while:

Get a life insurance. You have more options than you think, and you can get the one that is best for you and what you want, and even for your loved ones and children.

GoFundMe or other crowdfunding sources is not the practical way to solve problems resulting from death, a sudden illness, an accident, even loss of income. All it really promotes is “I’ll rely on other people to help me when I need it so there is really no need to plan responsibly for what might and could happen.” GoFundMe works best for fundraising activities for businesses, charities, etc. And only if one’s income isn’t capable of acquiring insurance can GoFundMe really be the last resort.

When people say “no” to life insurance, they’re in the mindset of: 1) I’ll live forever, 2) I won’t get cancer, 3) I will never get into an accident, 4) My savings and social security will be enough. In a nutshell, “I don’t need it.”

Here’s a question for you: how many times on social media have you seen someone or someone’s family member get diagnosed with cancer, or got in an accident and became disabled, or unexpectedly loss their job, or whose family left nothing for their loved ones after death? Those who never post about asking for assistance: they had a plan in place, most likely life insurance. And it’s not a matter of being rich or poor. It’s a matter of knowing what’s important and planning for the future as soon as they are able to do it.

Not every unlucky person is lucky (for lack of better choice of word) to raise thousands and thousands of dollars from GoFundMe.

Every time I travel, I always put my safety and health in danger. The peace of mind I have is I know that if anything happens to me, whether it pertains to life or health, I know that I am able to rely on MYSELF for help. In addition, as proven by the most recent pandemic, if my source of income is suddenly threatened, I know that I can rely on MYSELF for financial help.

Thank you for reading this post. I hope it will encourage you to really plan for your future. I know it sounds cliché, but following that cliché is a lot more responsible than not knowing what to do and whom to ask for help later.

RORO

11/28/2022

The really knows how to welcome you back, don’t they?

10/07/2022

REAL TALK:

Can you guarantee that you will not get terminally or chronically ill, not get cancer, or not go through disability in your lifetime? In the past two years, how many people do you know experienced these things? And how sure are you that these won’t happen to you?

Will you just rely on GoFundMe or other crowdfunding ways, or friends and family, to pay for any unexpected circumstance mentioned above, and will they be enough?

Or are you willing to be take responsibility, and have control of anything that life throws at you?

Life insurance has been one of the most underrated solutions that can help you deal with not just losses and tragedies, but also unexpected obstacles in life, whether it’s health-related or income-related. Just like medicine, googling isn’t enough to get the most accurate and up-to-date information. You should consult a professional in the field.

I am a licensed insurance producer who can help you navigate through your options based on what YOU want and/or what YOU need. Why do I do this in addition to being an opera singer? Because I want to make sure that everyone I know has the same peace of mind about the future as I do, especially for someone like me who doesn’t have a fixed permanent place of work. Also remember that once you leave your job, any insurance coverage you have - medical, life, disability - all go away. And getting approved for insurance later in life can be costly and difficult, especially if there’s a chance that your health dramatically deteriorates.

I became a life insurance agent primarily to reach out to people, and make sure they think about protecting their future seriously. I studied, passed the exam, got licensed, and I continuously educate myself of the latest developments, improvements, and innovations in the insurance industry. You want to make sure you have the best plan in place.

So now, send me a message. If you’re curious of what your options are, let’s talk. If you currently have coverage, and want to know if it’s sufficient, let’s talk.

Good health to everyone.

09/20/2022

Life Insurance through work doesn’t guarantee you permanent protection. If you are a part of a group insurance, they are term insurance. When you leave work, your insurance stops. By the time you decide to apply for a new insurance, your age and current health will dictate the kind of insurance you are eligible for and the amount of premium you need to pay.

A lot of people brush off the need for life insurance. Most of them don’t realize how important it is until they get a lot older and/or when their medical condition worsen. We need to remember that even though we may not have anyone specific we leave behind, like a spouse or children, our family and friends will inherit the burden (expenses) of taking care of us if we don’t have something in place. And if we ever have to experience a terminal, critical, or a chronic illness, like cancer, stroke, or some for of disability, we will inconvenience them of their time and even money, trying to find resources that would fund our situation… unless we ourselves take the initiative to be responsible for our future.

If you don’t know exactly what you need based on your current disposition, take that first step and ask. There’s always a solution to any need. The sooner you act on it, the more choices you have. And as we’ve experienced in the past few years, it’s always best to ask a professional for answers.

RODELL ROSEL
Licensed Insurance Producer

09/19/2022

For those of you who don’t have life insurance yet, please consider these things:

When you pay for health insurance, you’re covered when you get sick, but you don’t get money back if you stay healthy.

When you pay for car insurance, you’re covered in case of accidents, but you don’t get money back if you stay safe.

When you pay for rental or home insurance, you’re covered in case of fire, flood, theft, etc, but you don’t get money back if nothing happens.

HOWEVER, When you get a permanent life insurance, not only do your loved ones receive benefits when you’re gone, but:

1) You would benefit from cash value accumulation (savings) which you can later use either for retirement, or as an emergency fund.

2) If you become eligible for long term care due to disability or chronic illness, you can access your policy coverage to supplement your needs.

3) If you are diagnosed with a terminal or critical illness, you can access most of your policy coverage, and use it however you want.

In addition, you can plan for a child’s education through life insurance.

Life insurance has evolved over the years, and people need to know how beneficial it has become for everyone’s future.

If you want to know exactly what your options are based on your own individual situation, I’m only a message away. And it doesn’t matter where you live. I will make myself available to you.