Real Needs Secured LLC
"Protect Who Matters Most Today"
"Essential protection starts with a simple conversation."
Real Needs Secured Insurance Solutions
Unlock the Path to Financial Stability and Build a Legacy of Security and Prosperity for Your Family
What would you do if you had no debt and full control over your money? The sky’s the limit! At Real Needs Secured, we’re here to help you secure that future. Whether it’s protecting your family with Life Insurance, covering final expenses, or building wealth through Indexed Universal Life (IUL) policies, we offer customized solutions that put you in charge of your financial destiny.
Let’s work together to ensure you’re covered for today, tomorrow, and beyond!
Whole Life
Whole life insurance offers lifelong coverage and builds cash value over time, making it a valuable financial asset.
Key Features:
- Lifetime Coverage: Protects you for life.
- Cash Value: Grows over time, with options for loans or withdrawals.
- Fixed Premiums: Consistent payments.
- Dividends: Potential for earnings that can be reinvested.
Index Universal Life
Indexed Universal Life (IUL) insurance is a flexible permanent life insurance policy that offers a death benefit and cash value growth linked to a market index.
Key Features:
- Flexible Premiums: Adjustable payments to fit your financial needs.
- Cash Value Growth: Linked to a stock market index for potential higher returns.
- Lifetime Coverage: Provides protection for your entire life.
Term Life
Term life insurance offers affordable coverage for a set period (typically 10, 20, or 30 years), ensuring financial protection for your loved ones.
Key Features:
- Fixed Term Coverage: Protection for a specific duration.
- Affordable Premiums: Lower initial costs than permanent policies.
- Death Benefit: Support for beneficiaries if the insured passes away during the term.
- Renewal Options: Opportunities to extend coverage at the end of the term.
Annuity
An annuity is a financial product that provides a steady income stream, usually during retirement, in exchange for a lump sum or periodic payments.
Key Features:
- Guaranteed Income: Reliable income for a specified period or for life.
- Tax-Deferred Growth: Earnings grow tax-deferred until withdrawn.
- Flexible Options: Includes fixed, variable, and indexed annuities to meet different needs.
At Every Life Stage, Real Needs Secured Helps You Plan For a Secure Financial Future
We provide personalized life insurance solutions for every stage of life. As your needs change, so should your coverage. Here’s how insurance can protect you through life’s key moments: Early Adulthood (20s-30s): Starting Out Whether buying a home or starting a family, Term Life Insurance offers affordable protection, while Whole Life or IUL policies help build future wealth. Mid-Life (30s-50s): Growing Assets During your prime earning years, life insurance protects your family and assets, and IUL policies provide both protection and growth opportunities. Pre-Retirement (50s-60s): Planning Ahead As you approach retirement, life insurance becomes key for estate planning and wealth transfer, ensuring your family is taken care of. Retirement (60s+): Legacy and Final Expenses Ensure your loved ones are protected from end-of-life expenses with Final Expense or Whole Life Insurance to cover funeral costs and debts.
20+
Combined Years of Experience
Partnered exclusively with
the highest-rated insurance companies.
By choosing us, you gain access to competitive rates and innovative products designed to fit your unique financial goals
Protect Your Family and Your Future
Empower Yourself to Create Lasting Security and Peace of Mind
Private
Bank
An Indexed Universal Life (IUL) policy functions like a bank account, allowing you to accumulate cash value that grows tax-deferred. This cash value can be accessed through tax-free loans or withdrawals for expenses such as education or emergencies. With the potential for higher returns linked to a market index, an IUL not only provides financial security but also helps you build wealth while enjoying life insurance coverage. You're gonna get it.
Debt
Payoff
Consolidating debt using life insurance can be a powerful strategy. By accessing the cash value of a Whole Life or Indexed Universal Life (IUL) policy, you can pay off high-interest debts like credit cards, simplifying your finances and reducing overall interest costs.
Life insurance loans usually come with lower interest rates than traditional debt, making repayment more manageable. This approach helps you regain control over your finances, allowing you to focus on building wealth and securing your financial future. I.
Tax-Free Retirement Income
Life insurance can be a valuable tool for tax-free retirement income. With Indexed Universal Life (IUL) or Whole Life Insurance, the cash value grows tax-deferred, allowing you to accumulate savings over time. When you withdraw funds or take out loans against your policy, these transactions can be structured to avoid taxation, providing you with tax-free income during retirement. This strategy not only offers financial security but also allows you to enjoy your retirement without the burden of taxes, all while maintaining life insurance protection for your beneficiaries.
Livelihood
Safeguard
Life insurance protects your livelihood by offering financial security through living benefits. With Indexed Universal Life (IUL) or certain Whole Life Insurance plans, you can access funds during critical, chronic, or terminal illnesses. These benefits help cover medical expenses, pay off debts, or maintain your standard of living during tough times, ensuring support for you and your loved ones. This dual protection secures your family’s financial future and provides peace of mind with available resources when you need them most.
Legacy
Creation
Life insurance is an effective way to create a legacy by providing a financial gift to loved ones or charities. A Whole Life or Indexed Universal Life (IUL) policy ensures beneficiaries receive a substantial death benefit, offering financial security for expenses like mortgages or education. Moreover, these policies can minimize estate taxes, maximizing the wealth passed to future generations and leaving a lasting impact on your family's financial future.
Peace Of Mind Is Priceless
Here’s a concise overview of statistics from LIMRA, highlighting the importance of having insurance for you and your loved ones, particularly focusing on
middle-market consumers:
Importance of Life Insurance:
1. Coverage Gap: According to LIMRA, nearly 40% of U.S. households say they would face financial hardship within six months if the primary wage earner died unexpectedly. This underscores the critical need for life insurance to protect families from sudden financial burdens.
2. Financial Security: LIMRA reports that 70% of consumers believe life insurance is essential for providing financial security, yet many remain underinsured or uninsured.
Middle-Market Consumers:
1. Underinsurance: LIMRA found that only 27% of middle-market consumers (those with an annual income of $50,000 to $150,000) have adequate life insurance coverage. This suggests a significant gap in protection for families that could greatly benefit from a policy.
2. Lack of Awareness: Around 50% of middle-market consumers do not own life insurance because they either believe it’s too expensive or think they don’t need it. This highlights a critical need for education on the affordability and necessity of life insurance.
3. Long-Term Impact: Middle-market households without life insurance are at risk of losing their homes, struggling to pay for education, or dealing with significant debt after the loss of a primary wage earner, emphasizing the importance of securing a policy.
Conclusion:
These statistics reveal a pressing need for life insurance, especially among middle-market consumers. Ensuring that you and your loved ones have adequate coverage is crucial for financial security and peace of mind in the face of unexpected challenges. Educating this demographic on the importance of life insurance can lead to better financial outcomes for families across the country.
What Is Debt Free Life?
A debt-free life with life insurance utilizes policies like Whole Life or Indexed Universal Life (IUL) to manage debt and protect loved ones. As the oldest form of financial security, life insurance builds cash value that can be accessed to pay off high-interest debts. The death benefit also covers expenses, safeguarding your family from financial hardship. By leveraging life insurance, you can achieve a debt-free life while ensuring lasting financial stability and peace of mind.
- Build cash
- Pay off debt
- Save for the future
We Work With Companies You Can Trust
Eliminate Debt = Save For The Future
Engaging with life insurance is a smart move to eliminate debt and save for the future. By choosing a policy like Whole Life or Indexed Universal Life (IUL), you gain valuable protection for your loved ones and accumulate a cash value that can be used to pay off high-interest debts. This financial strategy simplifies your finances and allows you to build savings for future goals. Take control of your financial future today by exploring life insurance options that can help you achieve a debt-free life while securing your family's well-being
Real Needs Secured LLC
