Paradiso Insurance Group

06/21/2022

Your Legacy of Love...
https://paradisoinsurancegroup.com/life-insurance

06/16/2022

If you become too sick or hurt to work, disability insurance replaces part of your monthly income so you can still pay the bills and take care of your family. Breeze makes it easy to apply online for disability insurance in minutes. Contact me to learn more!

Breeze makes it easy to apply online for affordable disability insurance in minutes. Plans are customized, portable, and no medical exam is needed for benefit amounts under $5k/mo. Contact me to learn more!

With Breeze, you can see your real disability insurance rates in seconds with an instant, no-obligation quote. Like the price you see? Complete your application online in about 10 minutes. Contact me to learn more about protecting your income with Breeze!

Got 30 seconds to spare? That’s all the time you need to get a free, personalized disability insurance quote from Breeze. Contact me to learn more about protecting your greatest asset — your ability to earn an income! (Seriously, it’s a breeze.)

No disability insurance coverage? No problem — apply for an affordable disability insurance plan through Breeze in about 10 minutes. It’s fast, affordable, and completely online. Contact me to learn more!

An unexpected injury or illness that prevents you from earning an income can happen to anyone. Fortunately, you can easily apply online for disability insurance through Breeze — anytime, anywhere. Contact me to learn more about protecting your income today!

Disability insurance protects your income from injuries and illnesses that prevent you from working. And with Breeze, the process is fast, affordable, and completely online. Contact me to learn more!

With Breeze, you can get an instant disability insurance quote in 30 seconds and apply online in 10 minutes — anytime, anywhere. Contact me to learn more about the easy way to buy disability insurance!

Curious how much (or how little) disability insurance costs for you? With Breeze, you can find out in as little as 30 seconds with a free, no-obligation quote. Contact me to check your rates today!

Homeowners insurance protects where you live. Car insurance protects what you drive. Health insurance protects your well-being. But what protects your income and all that it provides? That’s where disability insurance comes in. Contact me to learn how to buy disability insurance online!

According to the Social Security Administration, 1 in 4 working Americans experience a disabling injury or illness in their working years. Fortunately, Breeze makes it easy to apply online for affordable disability insurance coverage in minutes. Contact me to learn more!

How long could you last without a paycheck? If you’re like most people, not very long. But disability insurance through Breeze can help you protect your income and prepare for the unexpected. Contact me to learn more about protecting your income!

Employer-sponsored disability insurance is nice to have, but it’s probably not enough to replace your income if you become too sick or hurt work. Contact learn me to learn how an individual disability insurance policy through Breeze can strengthen your financial safety net!

While Social Security Disability Insurance can provide basic coverage, getting approved is hard and benefits are limited. Contact me to learn how an individual disability insurance policy through Breeze can help!

If you get hurt at work, workers’ comp has you covered. But what about everything else? For injuries and illnesses that occur outside of work, there’s disability insurance. And Breeze makes it easy to apply online in minutes. Contact me to learn more!

06/06/2022

Whole Life

Why do the Banks and Wealthy use It?

The Largest Banks, Ultra Wealthy Individuals, and Successful Corporations invest Billions into Whole Life Insurance. and for many of these banks, life insurance is their largest asset class.

For example, Bank of America, has just over $18 Billion in Whole Life Insurance Cash Values which is more than double what they have in real estate assets.

Look on line 41, of any bank balance sheet to see what your banks holdings are in Whole Life Insurance Cash Values.

So, why do the banks tell you to invest in mutual funds to accumulate wealth, and Dave Ramsey tell you don't buy whole life insurance but buy term insurance, which is cheaper, and invest the difference in mutual funds. Of course, he has the term insurance companies he recommends as well as the financial advisors he approves of.

Doesn't that sound contrary to what the Ultra Wealthy and Largest Banks are doing?

Call me for an Infinite Banking Appointment and learn how you can be debt free in usually 9 years or less and finally have control of your own money.

05/30/2022

Infinite Banking...The golden key that unlocks your financial future
The big picture

Prior to retirement these big risks get smaller over time
1) Children Expenses for College

2) Mortgage Payoff

3) Income Replacement

Once you're Retired these big risks get larger over time
1) Stock Market Corrections (typically every decade)

2) Home Ownership Costs (Repairs, Utilities, and Property Taxes)

3) Low Interest Rates, Increasing Tax Rates, and Inflation

4) Under Saved and Spent too Much too Soon

5) Health Care Costs and Utilization

6) Reduced Social Security Income

The Solution? Infinite Banking!

Case Study...Family of Five

Husband 37, Wife 35, Children ages 8, 4, and 3.
Parents want to retire @ 65 with $5,000 month Income plus Social Security.
Husband's Income is $3,960 month
Wife's Income is $3,125 month
They have nothing saved for College.

THEIR AREAS OF INTEREST...
Increase Retirement Income
Reduce Debt
Get Spending Under Control
College Planning
Increase Savings

SAVINGS:

Institution Account Value Monthly Amount Interest Rate
BOA Savings $6,000 $150 .25%
Fidelity 401k $36,500 $300 5%
TOTALS $42,500 $450 AVG: 4.75%

DEBT:

Institution Interest Rate Balance Monthly Payment
Visa 12% $460 $55
Medical 0% $2,420 $200
Discover 16% $4,236 $296
Furniture 18% $5,988 $237
Auto 8% $13,313 $417
Mortgage 6.5% $153,781 $972
TOTALS AVG: 10% $180,198 $2,177

DEBT SUMMARY AFTER 30 YEARS:
$180,198 Total Debt but Real Debt with Interest is $380,157.
That's $199,959 in Interest Paid that YOU WILL NEVER GET BACK.

CURRENT RETIREMENT:
$36,500, contributing $300 month at 5% Interest assuming a 25% Income Tax bracket,
Your retirement account at the end of 30 years,
$408,890 BEFORE TAXES
$306,668 AFTER TAXES

WHAT INFINITE BANKING CAN DO INSTEAD

Free from Lenders in 7.8 years

Saved in Interest Payments $122,739

Freed up $2,177/mo. for Retirement

Savings in 30 years of $1,004,387

WHAT IS THIS FAMILIES COST NOT TO DO INFINITE BANKING?

Infinite Banking Provides

$1,004,387 in Retirement plus

$122,739 in Interest Saved minus

$306,668 in Current Retirement totaling

$820,458 in Benefits Lost

THE BENEFITS OF INFINITE BANKING

Get out of debt faster than you ever thought possible

Establish an Emergency Fund

Regain Liquidity plus use and control of Your Money

Safe from Market Fluctuations with Guaranteed Rates

Your Money now has Multiple Jobs

Self Completing Plan with

Death Benefits, Terminal Illness, Chronic Illness and Critical Illness Protection

Call us to learn how Infinite Banking can help you

05/26/2022

No one wants to collect from their insurance, but when they do, they're so glad it's there. Be smart and prepare yourself.

05/23/2022

The Financial Risk Spectrum

Prior to retirement these big risks get smaller over time
1) Children Expenses for College

2) Mortgage Payoff

3) Income Replacement

Once you're Retired these big risks get larger over time
1) Stock Market Corrections (typically every decade)

2) Home Ownership Costs (Repairs, Utilities, and Property Taxes)

3) Low Interest Rates, Increasing Tax Rates, and Inflation

4) Under Saved and Spent too Much too Soon

5) Health Care Costs and Utilization

6) Reduced Social Security Income

The Solution? Your Family Bank!

Case Study...Family of Five

Husband 37, Wife 35, Children ages 8, 4, and 3.
Parents want to retire @ 65 with $5,000 month Income plus Social Security.
Husband's Income is $3,960 month
Wife's Income is $3,125 month
They have nothing saved for College.

THEIR AREAS OF INTEREST...
Increase Retirement Income
Reduce Debt
Get Spending Under Control
College Planning
Increase Savings

SAVINGS:

Institution Account Value Monthly Interest Rate
BOA Savings $6,000 $150 .25%
Fidelity 401k $36,500 $300 5%
TOTALS $42,500 $450 AVG: 4.75%

DEBT:

Institution Interest Rate Balance Payment
Visa 12% $460 $55
Medical 0% $2,420 $200
Discover 16% $4,236 $296
Furniture 18% $5,988 $237
Auto 8% $13,313 $417
Mortgage 6.5% $153,781 $972
TOTALS AVG: 10% $180,198 $2,177

DEBT SUMMARY AFTER 30 YEARS:
$180,198 Total Debt but Real Debt with Interest is $380,157.
That's $199,959 in Interest Paid that YOU WILL NEVER GET BACK.

CURRENT RETIREMENT:
$36,500, contributing $300 month at 5% Interest assuming a 25% Income Tax bracket,
Your retirement account at the end of 30 years,
$408,890 BEFORE TAXES
$306,668 AFTER TAXES

WHAT YOUR FAMILY BANK CAN DO INSTEAD

Free from Lenders in 7.8 years
Saved in Interest Payments $122,739
Freed up $2,177/mo. for Retirement
Savings in 30 years of $1,004,387

WHAT IS THIS FAMILIES COST NOT TO DO YOUR FAMILY BANK?

Your Family Bank Provides
$1,004,387 in Retirement plus
$122,739 in Interest Saved minus
$306,668 in Current Retirement totaling

$820,458 in Benefits Lost

THE BENEFITS OF YOUR FAMILY BANK

Get out of debt faster than you ever thought possible
Establish an Emergency Fund
Regain Liquidity plus use and control of Your Money
Safe from Market Fluctuations with Guaranteed Rates
Your Money now has multiple jobs
Self Completing Plan with Death Benefits, Terminal Illness, Chronic Illness and Critical Illness Protection

05/09/2022

You insure your car and your home so, why don't you insure the one thing that makes most of what you care most about possible, YOUR INCOME? Long Term Disability Insurance pays you monthly benefits in as little as 30 days, and can last up to retirement age if you become too sick or hurt to work. Click below to get a quote in 30 seconds and get approved in as little a 10 minutes.

Buy convenient, affordable supplemental insurance online. Get free quotes in seconds and easily apply for coverage in minutes with Breeze.