Valor Financial

04/22/2024

Watch as Steve Sanders, who is the SVP of Life Distribution & Head of F&G Protection Division for our partner Fidelity & Guaranty, shares how he found his way into the life insurance industry and why he enjoys this work. Tune in, and learn why he chose to grow within a growing industry!

Looking for a change in career path:
https://www.valorfinancialinsurance.com/careers

Video: https://youtu.be/G_H2AmgOwCY?si=B-RXDRXrcevol2Ni

Steve Sanders, SVP of Life Distribution, shares how he found his way into the life insurance industry and why he enjoys this work.

04/20/2024

Mortgage insurance may seem like the obvious choice – after all it has the word ‘mortgage’ right in the name! But before you sign on the dotted line, you may want to consider term life insurance instead. Check out this informative video from our partner Foresters. Want to learn more?

Book an appointment: https://www.valorfinancialinsurance.com/fna

Video: https://youtu.be/UWbFVglcoRM?si=l4lwlVRf3AVg-e5I

Mortgage insurance may seem like the obvious choice – after all it has the word ‘mortgage’ right in the name! But before you sign on the dotted line, you may...

04/19/2024

Valor Financial believes you should get more from your life insurance policy. That’s why we partner with life insurance companies that offer policies with accelerated death benefits. If you meet eligibility requirements, accelerated death benefits can provide access to a portion of the death benefit while you are living. The funds can be used for anything—keeping up with mortgage payments, buying groceries, or medical bills.

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/7BxDf9P-4oA?si=4rb_n8Ht50MjLZA1

North American believes you should get more from your life insurance policy. That’s why we offer policies with accelerated death benefits. If you meet eligib...

04/18/2024

Life isn’t the same without the ones we love. This Insure Your Love month, our partner North American is sharing the importance of protecting loved ones with life insurance. Talk to your Valor Financial professional today about your customized plan for protecting the ones you love today.

Book an appointment: https://www.valorfinancialinsurance.com/fna

Video: https://youtu.be/5aP6Z8XjqG0?si=JAjdDkjS7x8rX2O0

Life isn’t the same without the ones we love. This Insure Your Love month, North American is sharing the importance of protecting loved ones with life insura...

04/17/2024

Saving enough money for your child’s college tuition can be a challenge. But did you know that life insurance can be a great college funding solution?

With permanent life insurance, you can protect your family and build college savings at the same time. With permanent life insurance like what our partner North American offers includes a suite of indexed universal life insurance (IUL) products. You have the opportunity to grow cash value by taking advantage of the stock market when the market is high, while protecting yourself from loss when the market is low. You can then use the cash value that you may accumulate over time to help pay college tuition costs, whether it’s an in-state or out-of-state college. Our partner North American Company offers a variety of life insurance products that can protect you and your family in a time of loss, while offering the added benefit of paying for the rising cost of college tuition.

Want to learn how you can incorporate this into your financial strategy?

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/Hz15Sb0RmCQ?si=xDQhr4JfuuTbpUHE

Saving enough money for your child’s college tuition can be a challenge. But did you know that life insurance can be a great college funding solution? With p...

04/16/2024

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income. Note: Increasing the death benefit may be subject to additional underwriting approval.

IUL Offers

- Flexible death benefit

- Flexible premium

- Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.

- Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.

Want to learn more?

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/h3D2O1K_yZM?si=m5gT8z2WKDti-S9m

04/15/2024

Indexed Universal Life (IUL) is a type of permanent life insurance policy that offers the potential for tax-free growth and access to cash value when structured, funded, and leveraged correctly.

Here's a breakdown of its key features:

1. **Tax-Free Growth**: The cash value of an IUL policy grows tax-deferred, meaning you won't pay taxes on the earnings as long as the funds remain within the policy. This can provide significant benefits over time, allowing your investment to compound more efficiently.

2. **Access to Cash Value**: An IUL can provide access to the cash value through withdrawals or policy loans. Withdrawals up to the amount of premiums paid into the policy are typically tax-free. Policy loans allow you to borrow against the cash value without triggering immediate taxes, although interest may still accrue.

3. **Structured Properly**: Proper structuring involves setting premiums at a level that maximizes cash value accumulation while still maintaining the death benefit. This may involve choosing an appropriate indexed crediting strategy and ensuring that fees and expenses are minimized.

4. **Funded Properly**: Adequate funding is crucial for the long-term success of an IUL policy. By consistently paying premiums and potentially contributing additional funds, you can build up the cash value over time, providing a source of tax-free income or liquidity when needed.

5. **Leveraging the Right Product with the Right Company**: Not all IUL policies are created equal, and selecting the right product from a reputable insurance company is essential. Factors to consider include the company's financial strength, the flexibility of the policy, the range of indexed crediting options, and the transparency of fees and charges.

Overall, an IUL can be a powerful tool for tax-free growth and access to cash value when utilized correctly within a well-thought-out financial strategy. It's essential to work with a knowledgeable financial advisor to ensure that the policy is tailored to your specific needs and goals.

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/swrKve6xeWs?si=vUiT9K-HRTSSukre

04/14/2024

Does everyone need life insurance?

If you have people who rely on you financially, it’s an important question to consider. If the worst were to happen, a life insurance death benefit can help pay for funeral costs, any outstanding debt, and help your loved ones continue their current lifestyle. But that isn’t all—it can also cover living benefits while you’re still alive if you were to become sick with a qualifying illness. Talk to your financial professional today about which life insurance plan is the right fit for your overall financial plan. We hope this helps!

Book an appointment today: https://www.valorfinancialinsurance.com/fna

https://youtu.be/JRDWwi2WQW4?si=J33E10IXW9eusfox

Does everyone need life insurance? If you have people who rely on you financially, it’s an important question to consider. If the worst were to happen, a lif...

04/13/2024

Saving is crucial for several reasons:

1. Emergency Preparedness: Saving provides a financial safety net for unexpected events like medical emergencies, car repairs, or sudden job loss. Having savings can help you weather these storms without going into debt or facing financial hardship.

2. Long-Term Goals: Whether it's buying a house, starting a business, or retiring comfortably, saving enables you to work towards your long-term goals. Regular saving allows you to accumulate funds over time, making these aspirations more achievable.

3. Financial Independence: Saving builds wealth and financial independence. It provides a buffer against financial instability and gives you the freedom to make choices based on your preferences rather than financial constraints.

4. Interest and Investment: Saving money can also enable you to earn interest or invest in assets that generate returns over time, potentially increasing your wealth further.

5. Peace of Mind: Knowing that you have savings provides peace of mind and reduces stress about money matters. It allows you to sleep better at night knowing that you have a financial cushion to fall back on if needed.

In summary, saving is essential for both short-term stability and long-term financial security. It empowers individuals to navigate life's uncertainties, pursue their goals, and ultimately achieve financial freedom.

9 in 10 people save for their future, are you? Take a look at the importance of saving.

04/12/2024

If you wish to leave an inheritance behind for your family, let Valor Financial help you. We partner with companies like North American Company for Life and Health Insurance® to help ensure your legacy is passed down. Life insurance can protect your family today and help protect their financial future. When you pass away, your beneficiaries could receive the death benefit proceeds right away, generally tax-free. They can use the funds any way they choose, from settling debts to paying a dream vacation.

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/sryYdt3hfAg?si=6L5e86WeP_hqyIUQ

If you wish to leave an inheritance behind for your family, North Amercian Company for Life and Health Insurance® can help ensure your legacy is passed down....

04/11/2024

With pensions continuing to disappear, it’s up to retirees to create enough income to live on. Kiplinger explores ways to afford retirement without a pension. Speak with one of our professionals to learn more.

Book an appointment: https://www.valorfinancialinsurance.com/fna

Link: https://www.kiplinger.com/retirement/can-you-retire-without-a-pension-plan

Here’s how to sort through your options and plan for a successful retirement, whether you have a pension or not.

04/11/2024

Have you thought about how your business will handle the death of an owner? From modest family operations to multi-billion dollar corporations, the death of an owner can seriously cripple a business. A buy-sell agreement allows for a smoother transition in ownership to the surviving owners.

Life insurance is a cost-efficient and relatively simple way to fund a buy-sell agreement. Funding through life insurance is potentially guaranteed and is also generally tax free. Both a cross-purchase agreement and an entity purchase agreement can use life insurance to purchase a deceased owner’s share of the business.

Talk to a Valor Financial professional about protecting the life of your business with a buy-sell agreement funded with a North American life insurance policy.

Book an appointment: https://www.valorfinancialinsurance.com/fna

https://youtu.be/3tFiZZkZiko?si=qdV-D4YSYsbADSQH

Have you thought about how your business will handle the death of an owner? From modest family operations to multi-billion dollar corporations, the death of ...