Protecting Every Stage of Life: Why Life Insurance Matters for Everyone


Everyone needs life insurance, from all walks of life, from the early stages to the late stages. Whether you're a young professional just starting out, a parent building a family, or entering your golden years, life insurance plays a critical role in securing the financial future of those you love. It’s not just about leaving behind money—it’s about protecting your family from the unexpected, ensuring they can move forward with peace of mind, no matter what life throws their way.

At Real Needs Secured LLC, we understand that no two lives are the same, and your insurance should reflect that. Whether you need Term Life Insurance for temporary coverage, Whole Life for lasting protection, or Final Expense to ease end-of-life costs, we are here to guide you. With nearly 30 years of combined experience and access to over 20 different insurance companies, our goal is to provide the right coverage that fits your unique needs and stage of life.

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Can IUL Policies Be Used as a Tax-Free Retirement Strategy?

Yes, IUL policies can be a powerful tool for tax-free retirement planning. Many people don’t realize that the cash value in an IUL can be accessed through policy loans, which are generally tax-free if structured properly. This means you can potentially supplement your retirement income without triggering taxes, unlike other retirement accounts like 401(k)s or IRAs that may be subject to required minimum distributions (RMDs) and taxable withdrawals. This feature makes IULs a unique and flexible option for long-term financial planning.

Why does everyone need life insurance, no matter their stage of life?

Life insurance provides a safety net for those you care about, no matter where you are in life. For younger individuals, it ensures that your loved ones won’t be burdened with debt or funeral costs in the event of an unexpected tragedy. For families, it can replace lost income, cover mortgages, and fund education. For those nearing retirement, it’s about leaving a legacy, covering final expenses, and offering peace of mind. No matter the age or circumstance, life insurance brings financial security to those you leave behind.

Can I get life insurance if I have a pre-existing condition?

Yes, it’s possible to get life insurance even if you have a pre-existing condition. Options like Guaranteed Issue Life Insurance are available for those with health concerns, offering coverage without the need for a medical exam. While premiums may be higher, you can still find a policy that offers protection for your loved ones. At Real Needs Secured LLC, we work with multiple companies to find the best policy for your health situation.

Is it too late to get life insurance if I’m in my 50s or 60s?

It’s never too late to get life insurance, but your options may change. In your 50s and 60s, you can still get policies like Whole Life or Final Expense Insurance, which are ideal for covering funeral costs and outstanding debts. For those in good health, there may even be opportunities to secure more comprehensive coverage like Indexed Universal Life (IUL) or Guaranteed Issue policies. We can help you find the best option for your age and financial situation.

What is the Free Look Period, and how does it benefit me?

The Free Look Period is a risk-free window, usually lasting 10 to 30 days after purchasing your life insurance policy, where you can review all the details of your coverage. During this time, if you decide the policy isn’t right for you, you can cancel it for a 100% refund of the premiums paid—no questions asked. It gives you peace of mind knowing you have time to ensure the policy fits your needs without any financial loss.

What happens if I can’t afford my life insurance premiums anymore?

If your financial situation changes and you're unable to afford your current premiums, there are several options. You can reduce your coverage amount, convert your policy (if eligible), or explore policies with more affordable premiums. It’s always best to talk to your agent before making any decisions, as canceling your policy could leave your loved ones unprotected.

Meet the Team of Professionals

Michael Cornick Jr

Michael Cornick is a skilled professional with extensive experience in the insurance industry. Passionate about providing clients with the right coverage to protect their assets and secure their futures, he delivers exceptional results and drives success for our clients. Michael’s deep knowledge of insurance products and dedication to personalized service ensures that each client receives the best solutions tailored to their unique needs.

President/CEO

Leticia Fernandez

Leticia Fernandez is a skilled professional with extensive experience in the insurance industry. Passionate about helping clients find the best coverage to protect what matters most, she delivers exceptional results and is dedicated to ensuring her clients' peace of mind. With her deep knowledge of insurance products and a commitment to providing personalized service, Leticia is focused on building lasting relationships and offering tailored solutions for every client’s unique needs.

Co-Founder & COO

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

Elmont, NY, USA