Life Insurance with no Medical Exam
as low as $20 a month!
Secure your future with a financial plan that combines your term life insurance policy with a low-cost Roth IRA savings and retairment account.
Term life insurance with the most competitive monthly premiums on the market.
Affortable Premiums
Get the coverage you need without breaking the bank.
Terminal Illness Advance
Access up to 70% of your policy's coverage if diagnosed with a terminal illness.
No medical exam requiere
Coverage up to $300,000 with no medical exams:
Flexible Terms
Choose the duration that fits your life plan and renew at the same cost.
Disability Waiver
If you become disabled, the company covers your premiums.
Inmediate Approvals
Get approved quickly and easily.
Life Insurance that creates wealth
Combining a term life insurance policy with a Roth IRA savings plan offers a powerful strategy for financial security. Here’s how it works:
Term Life Insurance:
You pay affordable monthly premiums for a term life insurance policy that provides coverage for a set period (e.g., 10, 20, or 30 years). This policy ensures that your beneficiaries receive a payout if something happens to you during the term.
Roth IRA Savings, Investment and Retirement Plan:
Alongside your life insurance, you contribute to a Roth IRA. This retirement savings account allows your investments to grow tax-free. You can withdraw contributions anytime without penalties, and earnings are tax-free after age 59½, provided the account has been open for at least five years.
By integrating these two financial products, you protect your loved ones today while securing your financial future.
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• Tax-Free Growth
Your investments grow tax-free, and withdrawals in retirement are also tax-free.
• Flexible Contributions
Save as much or as little as you want each month, up to the annual limit ($6,500 or $7,500 if you’re 50 or older).
• No RMDs
Unlike traditional IRAs, Roth IRAs have no required minimum distributions.
• Withdrawal Flexibility
You can withdraw your contributions at any time, tax- and penalty-free, even before age 59½.
• Earnings
Withdrawals on earnings are tax-free if taken after age 59½ and the account has been open for at least five years. Withdrawals before age 59½ may be subject to taxeshi
• Diversification
Spread your investments across various assets to minimize risk.
• Potential for Higher Returns
Historically, mutual funds have offered substantial returns over the long term.
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offices across Southern California
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Satisfied Clients
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Frequently Asked Question
What’s this term life insurance thing you keep talking about?
Think of term life insurance like a safety net that’s there when you need it most. It’s a policy that covers you for a specific period, say 10, 20, or 30 years. If something happens to you during that term, your beneficiaries get the payout. It’s like paying a small fee for peace of mind, knowing your loved ones are covered. And the best part? It’s super affordable, especially with our plans starting at just $20 a month!
I’m in my prime, fit as a fiddle—why would I need term life insurance?
Ah, the invincible youth! Here’s the thing—life is unpredictable. Getting term life insurance while you’re young and healthy means you lock in those low premiums for a hefty coverage. It’s like getting a VIP pass at a discounted price. Plus, it ensures your loved ones are financially secure if life throws a curveball. Better safe than sorry, right?
What are the advantages of a term life insurance with a Roth IRA compared to a UIL policy?
Integrating a term life insurance policy with a Roth IRA offers several advantages over a Universal Indexed Life (UIL) policy:
• Lower Premiums: Term life insurance generally has lower premiums compared to UIL policies.
• Tax-Free Growth and Withdrawals: Roth IRA contributions grow tax-free, and qualified withdrawals are also tax-free, unlike UIL.
• Higher Returns: Roth IRAs typically provide higher returns through diverse investment options compared to UIL policies. • Beneficiary Benefits: With a Roth IRA, both the investment returns and the remaining balance are passed on to your beneficiaries. In contrast, with a UIL, only the life insurance amount is paid out, not the accumulated cash value.
So, you’re telling me I can take out my Roth IRA contributions whenever I want?
Absolutely! Need some cash for an emergency or a spontaneous vacation? Go ahead and withdraw your contributions anytime, tax- and penalty-free. The earnings, however, are a bit more shy—they prefer to stay put until you’re 59½ to avoid taxes and penalties. Think of it as letting your investments marinate for maximum flavor.
Beyond Finance
We're your friendly agents team dedicated to securing and growing your wealth. We offer a full suite of financial solutions to protect your today and brighten your tomorrow.
Beyond Insurances:
life, auto, home, and health, that ensure comprehensive coverage.
Beyond Saving, Invest & Retire:
with Roth IRA and investment accounts that help your money grow tax-free, we’ve got you covered.
Beyond Mortgage:
we make your dream of homeownership a reality with competitive home loans.
At Beyond Finance, we believe in making finance simple, friendly, and accessible, providing you with the tools and support you need to live a life well-protected and financially secure. Join us and let’s go beyond your financial expectations together! 🚀
Office: San Diego, San Marcos, Coachella
Call 619 653 8235
Email: [email protected]
Site: www.Beyondfinance.co
Post Address and Mail
Address
438 camino del rio south, San Diego, CA, United States, California
Email: [email protected]
Get In Touch
Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone Number:
619 653 8235
