Real Needs Secured LLC

Protect Who Matters Most

Empower Your Financial Future and Create a Lasting Legacy for Your Family

Essential protection starts with a simple conversation.

Imagine a life free from debt, with complete control over your finances. At Real Needs Secured, we are dedicated to helping you turn that vision into reality. Our personalized services include life insurance for family protection, final expense coverage, and wealth-building through Indexed Universal Life (IUL) policies. We empower you to take charge of your financial future.

Life is a journey with evolving financial needs. At Real Needs Secured, we offer personalized insurance solutions tailored to every stage of your life:

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.

With over 20 years of combined experience, we partner exclusively with top-rated insurance companies to provide you with competitive rates and innovative products tailored to your unique financial goals.

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.

Learn more about Whole Life Insurance and how it can benefit you.

Indexed 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.

Learn more about Indexed Universal Life Insurance and how it can benefit you.

Final Expense

Final Expense insurance is a life insurance policy that helps cover funeral costs and other end-of-life expenses, ensuring financial security for your family and loved ones.

Key Features:

- Guaranteed Acceptance: No medical exam required for most applicants.

- Budget-Friendly Premiums: Low monthly payments that won't break the bank, making coverage affordable.

- Immediate Payout: Covers funeral costs and final bills.

Learn more about Final Expense Life Insurance and how it can benefit you.

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.

Learn more about Term Life Insurance and how it can benefit you.

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.

Learn more about Annuities and how they can benefit you.

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.

Eliminate Debt = Save For The Future

Life insurance is a powerful financial tool that goes beyond protection—it helps you eliminate debt and save for the future. Whether you choose Final Expense, Whole Life, Term, or Indexed Universal Life (IUL) insurance, you gain valuable benefits tailored to your needs.

Final Expense Insurance provides peace of mind by covering end-of-life costs, relieving your family of financial burdens.

Whole Life Insurance offers lifetime protection with cash value accumulation to help pay off high-interest debts or fund future goals.

Term Life Insurance provides affordable coverage for a specific period, ensuring your loved ones are protected when they need it most.

Indexed Universal Life (IUL) combines lifelong protection with cash value growth tied to market performance, giving you the flexibility to build wealth over time.

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

.