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16    <div id="app" data-page="{&quot;component&quot;:&quot;Home\/Home&quot;,&quot;props&quot;:{&quot;errors&quot;:{},&quot;oc_site&quot;:{&quot;id&quot;:1602,&quot;site_domain&quot;:&quot;thekeysagency.com&quot;,&quot;site_domain_owner&quot;:&quot;agent&quot;,&quot;cloudflare_zone_id&quot;:&quot;d9e160e1bcedd3bb9bab50cb7742fba7&quot;,&quot;cloudflare_nameservers&quot;:[&quot;destiny.ns.cloudflare.com&quot;,&quot;michael.ns.cloudflare.com&quot;],&quot;cloudflare_zaraz_configured_at&quot;:&quot;2026-07-28T23:08:34.000000Z&quot;,&quot;agency_name&quot;:&quot;The Keys Agency&quot;,&quot;agent_name&quot;:&quot;Brian Keys&quot;,&quot;client_reference_id&quot;:null,&quot;phone&quot;:&quot;717-714-7889&quot;,&quot;email&quot;:&quot;[email protected]&quot;,&quot;city&quot;:&quot;Virginia Beach&quot;,&quot;state&quot;:&quot;VA&quot;,&quot;calendar_url&quot;:&quot;https:\/\/calendly.com\/thekeysagency\/30min&quot;,&quot;agent_code&quot;:&quot;SFG0100459&quot;,&quot;lead_delivery&quot;:&quot;[email protected]&quot;,&quot;lead_delivery_last_checked&quot;:&quot;2026-10-08T01:04:29.000000Z&quot;,&quot;enabled&quot;:true,&quot;has_dtc_subscription&quot;:0,&quot;dunning_stage&quot;:0,&quot;about_agency&quot;:&quot;I am a licensed agent with Symmetry Financial Group, a nationally recognized organization offering life insurance solutions including mortgage protection, disability, retirement protection, term life and more. 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While homeowner\u2019s insurance is usually required when purchasing a home, this insurance plan only protects the home itself, rather than the people living there.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;That\u2019s where mortgage protection insurance comes in.&lt;\/strong&gt; Mortgage protection insurance\u202fis a life insurance policy that will step in and cover your mortgage payments if you are unable to pay the bills due to a disability, critical illness diagnosis or death.&lt;\/p&gt;\n&lt;h3&gt;What is mortgage protection insurance?&lt;\/h3&gt;\n&lt;p&gt;Mortgage protection is an affordable type of \u202fterm life insurance\u202fthat is designed specifically for homeowners. A\u202fmortgage protection plan\u202ftypically provides coverage for the same number of years \u2013 or \u201cterm\u201d \u2013 as your mortgage. The amount of\u202fmortgage life insurance\u202fcoverage you need will depend on your income, your dependents and your spouse\u2019s life insurance coverage (if any).&lt;\/p&gt;\n&lt;h3&gt;How does mortgage protection insurance work?&lt;\/h3&gt;\n&lt;h4&gt;Apply for Coverage&lt;\/h4&gt;\n&lt;p&gt;Mortgage protection insurance starts with an application for coverage. With Symmetry Financial Group, you can apply 100% with the help of a licensed agent. Our agents have access to technology that provides a seamless shopping experience and gets you from quote to coverage in no time!\u00a0&lt;\/p&gt;\n&lt;h4&gt;Make Payments&lt;\/h4&gt;\n&lt;p&gt;Once your policy is in force with an insurance company, you make payments \u2013 also known as \u201cpremiums\u201d \u2013 to maintain coverage. If you pass away during the term, your beneficiary will receive funds to pay off your mortgage (and other expenses, depending on how much coverage you purchase).&lt;\/p&gt;\n&lt;h4&gt;Update Your Insurance Coverage&lt;\/h4&gt;\n&lt;p&gt;It is crucial to update your insurance coverage to reflect any new mortgage value in order for your family to remain protected. If your mortgage protection term has ended, it\u2019s time to re-visit your insurance needs.&lt;\/p&gt;\n&lt;h3&gt;
16Mortgage protection insurance protects your loved ones&lt;\/h3&gt;\n&lt;p&gt;Mortgage protection insurance is designed to cover your mortgage payments, so most people select a policy term that is close to the number of years they will have outstanding mortgage payments.&lt;\/p&gt;\n&lt;p&gt;Once your application for insurance is approved by the insurance company, you will pay a monthly or annual premium. As long as your premiums are paid on time, your policy remains in-force (active). If you pass away during this time, the insurance company will cover the remainder of your mortgage payments so your loved ones can stay in the family home.&lt;\/p&gt;\n&lt;h3&gt;Is mortgage protection insurance affordable?&lt;\/h3&gt;\n&lt;p&gt;For most people, a mortgage protection policy is one of the most affordable types of insurance on the market. Your premium is based on the amount of coverage you need (the amount of your mortgage), as well as your health, age, and tobacco use. Many insurance companies offer simplified underwriting, meaning you won\u2019t need to visit a doctor for a medical exam in order to qualify.&lt;\/p&gt;\n&lt;h3&gt;What does mortgage protection insurance cover?&lt;\/h3&gt;\n&lt;p&gt;If you pass away during the time your policy is in-force, the insurance company will cover the remainder of your mortgage payments until your home is paid off. This can provide a huge relief to your loved ones, as your family will be able to stay in their home and not have to worry about keeping up with the bills. You can also purchase riders for your policy, which would offer additional coverage in the even that you become critically ill or disabled and cannot work.&lt;\/p&gt;\n&lt;h3&gt;Is mortgage protection worth it?&lt;\/h3&gt;\n&lt;p&gt;For many people, this type of insurance is a better fit than a standard term or permanent life insurance policy due to its affordability. If you are a homeowner, mortgage protection is the simple solution to ensure your loved ones can stay in the family home if something happened to you.&lt;\/p&gt;\n&lt;p&gt;Even if you have life insurance coverage through work, mortgage protection insurance can supplement this coverage by supporting your family during a potential hardship, providing mortgage payments while your employer-sponsored life insurance could cover other bills or expenses related to your passing.&lt;\/p&gt;\n&lt;h3&gt;Apply online for mortgage protection insurance&lt;\/h3&gt;\n&lt;p&gt;If you are looking for affordable and reliable life insurance coverage to protect your loved ones, a mortgage protection policy could be the perfect fit.\u202fIf you\u2019d like more information on which term length fits your budget and goals, Symmetry&#039;s licensed insurance agents are just a click away.&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;February 10, 2026&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/mortgage-protection\&quot;&gt;Mortgage Protection&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Mortgage Protection&quot;,&quot;slug&quot;:&quot;archive\/mortgage-protection&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:1,&quot;title&quot;:&quot;Beginner\u2019s Guide to Final Expense Insurance&quot;,&quot;description&quot;:&quot;This life insurance is designed to cover the costs associated with a funeral and\/or burial.\u202f&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/beginners-guide-to-final-expense-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/beginners-guide-to-final-expense-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-FE_23-12-19_Beginners-Guide-to_Final-Expense_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Final expense insurance, also known as burial insurance,\u202fis a type of permanent life insurance designed to cover the costs associated with a funeral and\/or burial.\u202f&lt;\/p&gt;\n&lt;p&gt;According to the &lt;a href=\&quot;https:\/\/nfda.org\/news\/media-center\/nfda-news-releases\/id\/8134\/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;National Funeral Directors Association&lt;\/a&gt;, the median cost of a funeral with viewing and burial in 2023 was $8,300 \u2013 a cost many are not prepared for when the time comes.&lt;\/p&gt;\n&lt;p&gt;With a final expense policy in place, your beneficiary would be provided a lump sum payment that would cover not only the costs of your service and burial or cremation but could also provide support for paying off any medical expenses or debts that remain after your passing.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Benefits of final expense insurance:\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n&lt;li&gt;The ability to make payments on a monthly or annual basis&lt;\/li&gt;\n&lt;li&gt;Affordable coverage and stable premiums &lt;em&gt;(payments)&lt;\/em&gt;&lt;\/li&gt;\n&lt;li&gt;No medical exam required for coverage &lt;em&gt;(in most cases)&lt;\/em&gt;&lt;\/li&gt;\n&lt;li&gt;Policy lasts a lifetime and comes with a guaranteed payout &lt;em&gt;(so long as premiums are paid on time)&lt;\/em&gt;&lt;\/li&gt;\n&lt;li&gt;Beneficiary determines how the death benefit is used&lt;\/li&gt;\n&lt;li&gt;Policy comes with a cash value component that grows tax-deferred and can be accessed throughout your lifetime\u00a0&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;Is final expense insurance worth it?&lt;\/h3&gt;\n&lt;p&gt;If you have another form of life insurance, ample savings and investments, you may 
16not need final expense. For those who do not have these financial securities final expense can be an affordable and reliable way to ensure your loved ones do not have to face additional burdens in their time of grief.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Even if your estate provides funds, settlements can take months to finalize. Final expense offers quick access to the cash you need, when you need it.\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;How much does final expense cost?&lt;\/h3&gt;\n&lt;p&gt;As with all types of life insurance, premium amounts are determined by your age, health and desired coverage amount. As a reference point, a person in their fifties, with good health, could pay as little as $20\/month.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Remember: Premiums are always lower when purchased sooner!\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;How much coverage do I need?&lt;\/h3&gt;\n&lt;p&gt;Much like weddings, baby showers and other meaningful events, the price of end-of-life celebrations, memorials and burials can vary greatly. In general, the final expense death benefit ranges from $5,000-$25,000.&lt;\/p&gt;\n&lt;p&gt;Any amount not used for a service and burial, or cremation can be used however your beneficiary chooses \u2013 to pay off medical debt, receive mental health support, take time away from work, etc.\u00a0&lt;\/p&gt;\n&lt;h3&gt;Who is final expense for?&lt;\/h3&gt;\n&lt;p&gt;Traditionally, final expense has been geared towards people between ages 50-85 who vary in degree of health and are seeking a small to moderate amount of coverage.\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;How do I get started?&lt;\/h3&gt;\n&lt;p&gt;Symmetry Financial Group makes it easy to protect your loved ones. Just answer a couple of quick questions and a friendly licensed agent will be in touch via text, call or video chat (whichever works best for you). You have access to 80+ carriers and top-notch, professional support when it comes to shopping for the perfect policy.&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;February 10, 2026&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/final-expense\&quot;&gt;Final Expense&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Final Expense&quot;,&quot;slug&quot;:&quot;archive\/final-expense&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:2,&quot;title&quot;:&quot;Beginner\u2019s Guide to Term Life Insurance&quot;,&quot;description&quot;:&quot;Term life offers financial protection to your loved ones for a specific length of time.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/beginners-guide-to-term-life-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/beginners-guide-to-term-life-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-TL_23-11-09_Beginners-Guide-to-Term-Life-Insurance_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;If you\u2019re just getting started shopping for life insurance, you might be a little overwhelmed at all the options. While there are many different types of life insurance for people of all ages and circumstances, one of the most popular options is term life insurance.&lt;\/p&gt;\n&lt;h3&gt;What is term life insurance?&lt;\/h3&gt;\n&lt;p&gt;Term life insurance offers financial protection to your loved ones for a specific term should something happen to you. You set a term length when you sign up for c
16overage, and if tragedy were to strike during that time, your beneficiary would receive a lump sum to pay your final expenses, cover mortgage payments and more.&lt;\/p&gt;\n&lt;p&gt;Your beneficiary can use this money at their discretion. Many people use the funds to cover funeral and burial expenses, college tuition or living expenses for loved ones.&lt;\/p&gt;\n&lt;h3&gt;Who needs term life insurance?&lt;\/h3&gt;\n&lt;p&gt;Life insurance isn\u2019t just for the head of household \u2013 if you would leave behind any sort of financial burden if you were to pass away tomorrow, you probably need to get life insurance. If you have children, own a business, or provide financial support to others, you need life insurance.&lt;\/p&gt;\n&lt;p&gt;Even if you have employer-sponsored life insurance, you might want to take a look at how much coverage your policy provides in the event of your passing. If this amount isn\u2019t enough to support your loved ones, a term life insurance policy can help you ensure your loved ones\u2019 needs are met. Be sure to also keep in mind that your coverage probably isn\u2019t portable, meaning you will lose coverage if you switch jobs.\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;How much does term life insurance cost?&lt;\/h3&gt;\n&lt;p&gt;With policies starting as low as $20\/month, term life insurance is one of the most affordable types of life insurance available. This is a great option for younger individuals, business owners or new parents. Your premium is based on your general health and your age at the time you apply for coverage. Most people qualify for this coverage and the application process is simple.\u00a0&lt;\/p&gt;\n&lt;h3&gt;How do I apply for term life insurance coverage?&lt;\/h3&gt;\n&lt;h4&gt;Apply for Coverage&lt;\/h4&gt;\n&lt;p&gt;Like other types of life insurance, term insurance starts with an application for coverage with an insurance company. Quility partners with over 80 of the best life insurance companies in the country.&lt;\/p&gt;\n&lt;h4&gt;Make Payments&lt;\/h4&gt;\n&lt;p&gt;Once your policy is in force with an insurance company, you pay monthly, quarterly or annual premiums to maintain coverage. If you pass away during the term, your chosen beneficiary will receive a death benefit.&lt;\/p&gt;\n&lt;h4&gt;Update Your Insurance Coverage&lt;\/h4&gt;\n&lt;p&gt;Before the term has ended, it\u2019s time to re-visit your needs. You can choose to part ways with your insurance company, extend coverage for a new term or convert your policy to permanent life insurance coverage.&lt;\/p&gt;\n&lt;h3&gt;What term length should I choose?&lt;\/h3&gt;\n&lt;p&gt;If you have any dependents, you\u2019ll want to choose a term length that spans the time they rely on you financially. Term lengths run from 10 to 40 years, and many policies offer the option to convert your policy to permanent life insurance if you need more coverage at the end of the term.&lt;\/p&gt;\n&lt;h3&gt;Get a term life insurance policy today\u00a0&lt;\/h3&gt;\n&lt;p&gt;Getting term life insurance is a decision that will protect your loved ones and provide you with peace of mind for years to come. If you\u2019re ready to get coverage our licensed insurance agents are only a click or call away.&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;February 10, 2026&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Term Life&quot;,&quot;cat_link&quot;:&quot;term-life&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/term-life\&quot;&gt;Term Life&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Term Life&quot;,&quot;slug&quot;:&quot;archive\/term-life&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:3,&quot;title&quot;:&quot;Buying Life Insurance for Grandchildren&quot;,&quot;description&quot;:&quot;Pro-tip: the best option is a permanent, whole life policy.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/buying-life-insurance-for-grandchildren\/&quot;,&quot;url_link&quot;:&quot;\/article\/buying-life-insurance-for-grandchildren&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-LI_23-03-22_Buying-Life-Insurance-for-Grandchildren_1920x1080-1.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;As a grandparent, your grandkids are probably a big part of your world. We know that your job goes way further than providing copious amounts of treats that mom or dad may not let them normally have &lt;em&gt;(although that\u2019s a pretty important part of your job description too)&lt;\/em&gt;.&lt;\/p&gt;\n&lt;p&gt;More than anything, you most likely want to do everything you can to ensure that your grandchildren have a bright future, but what you may 
16not know is there are a few tools out there that would not only make this possible but incredibly easy.&lt;\/p&gt;\n&lt;p&gt;While it may not be the first thing that comes to mind, buying a life insurance policy for your grandchildren can provide financial protection and peace of mind for both you and your family. Investing in an annuity can also have a lot of these same benefits, and today we\u2019re going to discuss both of these options. &lt;em&gt;(And then we promise we\u2019ll let you get back to sugaring up those kiddos.)&lt;\/em&gt;&lt;\/p&gt;\n&lt;h3&gt;Choosing a life insurance policy for your grandchildren&lt;\/h3&gt;\n&lt;p&gt;When it comes to choosing a life insurance policy for your grandchildren, the best option is a permanent, whole life policy. Whole life policies do just what they sound like - provide coverage for the lifetime of the insured individual. So as long as the premiums are paid, the policy will remain in force, regardless of any changes in your grandchild&#039;s health or circumstances.&lt;\/p&gt;\n&lt;p&gt;This is an especially good option if the child the policy is being purchased for has a medical condition that would make it difficult for them to quality later in life on their own.&lt;\/p&gt;\n&lt;p&gt;An added bonus of a permanent, whole life insurance policy for our grandchild is that it accumulates cash value over time. In the future the policyholder can borrow against this cash value or withdraw it, providing an additional source of funds for unexpected expenses or emergencies.&lt;\/p&gt;\n&lt;h3&gt;Investing in an annuity&lt;\/h3&gt;\n&lt;p&gt;Another option to consider that shares many of the same peace of mind benefits is investing in an annuity as your retirement solution. You can then use the funds from that annuity to help your grandchild with a myriad of life expenses, from college tuitions to mortgages to so many things in between.&lt;\/p&gt;\n&lt;p&gt;An annuity creates a guaranteed source of income for your grandchild&#039;s future, with no guesswork or mystery when it comes to the amount that will be there waiting for them.&lt;\/p&gt;\n&lt;p&gt;Additionally, annuities can offer flexibility in terms of when and how the income is paid out. You could choose to defer payments until your grandchild reaches a certain age or needs the funds for a specific purpose. Or you could allow a lump sum payout to happen immediately.&lt;\/p&gt;\n&lt;p&gt;And as an added benefit of investing in an annuity for your grandchildren, the funds are not subject to estate taxes. This means that your grandchild will receive the full amount of the annuity payout without any deductions.&lt;\/p&gt;\n&lt;h3&gt;A permanent life insurance policy or an annuity: which is best?&lt;\/h3&gt;\n&lt;p&gt;The good grandparents want to be there to watch their grandchildren grow and develop, celebrate their achievements, and offer guidance and support when they need it. But the truly great ones do what they can to make sure that will happen even after they\u2019re gone. And with a plethora of options to choose from, licensed Symmetry agents are here to help you be one of the great ones.&lt;\/p&gt;\n&lt;p&gt;Ultimately, the decision of whether to purchase a permanent, whole life insurance policy for your grandchild or an annuity with them in mind will depend on your individual needs and preferences. If you are looking for coverage for your grandchild&#039;s entire life and want the flexibility to access cash value if and when it is needed, a permanent, whole life insurance policy may be the right choice.&lt;\/p&gt;\n&lt;p&gt;If you are looking to create a guaranteed source of income for your grandchildren in the future, an annuity may be your best bet.&lt;\/p&gt;\n&lt;h3&gt;Let\u2019s chat!&lt;\/h3&gt;\n&lt;p&gt;Ready to gain some financial protection and peace of mind for both you and your family? Whether you decide to purchase a whole life insurance policy for your grandchildren or invest in an annuity, you should give yourself a huge gold star for taking the first steps to ensure your grandchildren will be taken care of.&lt;\/p&gt;\n&lt;p&gt;We know it can feel a bit overwhelming, but regardless of which option you choose, it is important to carefully consider your goals and objectives, as well as the costs and benefits of each option, before making a decision.&lt;\/p&gt;\n&lt;p&gt;Lucky for you, Symmetry agents can help you do just that! By taking the time to carefully evaluate your needs and showing you all the available options, we can help ensure that your grandchild is protected no matter what the future may bring.&lt;\/p&gt;\n&lt;p&gt;Ready to invest in an annuity (retirement solution) or permanent policy so that you can use the funds to help your grandchild pay for college, a mortgage, etc.? Contact a Symmetry agent today!&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;November 14, 2025&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/permanent-life\&quot;&gt;Permanent Life&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Permanent Life&quot;,&quot;slug&quot;:&quot;archive\/permanent-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:4,&quot;title&quot;:&quot;4 Types of Life Insurance Explained&quot;,&quot;description&quot;:&quot;We list the most common types of life insurance and offer tips for finding the best coverage.\u00a0\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/life-insurance-explained\/&quot;,&quot;url_link&quot;:&quot;\/article\/life-insurance-explained&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-LI_20-06-08_How-to-Choose-the-Right-Life-Insurance_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;
16Life insurance provides financial protection to your loved ones when you pass away. When you have life insurance, your beneficiary will receive funds from your policy to cover your funeral costs, debts, mortgage or other expenses. This coverage can make all the difference during a difficult time.&lt;\/p&gt;\n&lt;p&gt;The\u00a0life insurance\u00a0policy that you choose will depend on your age, health, lifestyle, and\u00a0your\u00a0financial goals.\u00a0In this article, we list the most common types of life insurance and offer some suggestions for finding the best coverage for you and your loved ones.&lt;\/p&gt;\n&lt;h3&gt;Term Life Insurance&lt;\/h3&gt;\n&lt;p&gt;Term life insurance offers financial protection for a set time frame, generally ranging from 10-30 years. Term life insurance is generally the most affordable type of insurance and is a great option for younger families, business owners and single individuals.&lt;\/p&gt;\n&lt;p&gt;With term life, you\u2019re \u201crenting\u201d life insurance coverage for a set period. For example, if you purchase a 20-year term life policy for a face value of $50,000, pay your premiums on time, and pass away after 15 years, your chosen beneficiary will receive a death benefit of $50,000.&lt;\/p&gt;\n&lt;p&gt;Your beneficiary will be able to decide how the money from your death benefit is spent; this money could go towards funeral and burial costs, remaining mortgage expenses, funding your child\u2019s college education, or donating to a local charity. If you pass away after your term expires, then you simply part ways with the insurance carrier.&lt;\/p&gt;\n&lt;p&gt;At the end of your term, the goal is that you\u2019ll no longer need life insurance coverage. If you end up needing continued coverage, many insurance companies offer the option to convert your policy into permanent life insurance (this will probably increase your monthly premium but is a good option for many people).&lt;\/p&gt;\n&lt;h3&gt;Mortgage Protection Insurance&lt;\/h3&gt;\n&lt;p&gt;Mortgage protection insurance is a type of term life insurance policy that is specifically designed for homeowners. Similar to term life, you would choose how long you need coverage; most people choose a coverage term and amount that aligns with the length and amount of their mortgage. This type of life insurance ensures your family can stay in your home in the event of death or significant income loss.&lt;\/p&gt;\n&lt;p&gt;Many people choose mortgage protection for the peace of mind it offers. With this type of financial protection, you can ensure that your mortgage payments wouldn\u2019t burden loved ones if you were to pass away or face income loss due to a critical illness or disability.&lt;\/p&gt;\n&lt;h3&gt;Whole Life Insurance&lt;\/h3&gt;\n&lt;p&gt;Whole life insurance, also called permanent life insurance, is designed to last until you pass away. Whole life policies have fixed premiums for the lifetime of the policy and they are most attractive because they guarantee a death benefit and come with a built-in cash value. If you pay your monthly premiums, your policy will stay active, and when you pass away your chosen beneficiary will receive a death benefit.&lt;\/p&gt;\n&lt;h3&gt;Universal Life Insurance&lt;\/h3&gt;\n&lt;p&gt;Universal life insurance is a type of permanent life insurance that lasts a lifetime. This policy is generally more affordable compared to other permanent life insurance options. It also includes a cash value savings component that can be used to fund your children\u2019s education and supplement retirement income.&lt;\/p&gt;\n&lt;p&gt;The policy\u2019s cash value accumulates interest over the years, and you can even borrow from the cash value after a certain 
16number of years have passed. If you are unable to make your premium payment, there is some flexibility in this policy so you can use the cash value to cover payments.&lt;\/p&gt;\n&lt;h3&gt;Meet with a licensed agent&lt;\/h3&gt;\n&lt;p&gt;If you are looking for reliable life insurance coverage, there are plenty of options available for you to consider. Based on your current lifestyle and financial situation, we can help you find a perfect match.&lt;\/p&gt;\n&lt;p&gt;Still wondering which type of life insurance best fits your needs? We can help with that too. Chat with a licensed Symmetry Financial Group agent to get customized options fit for your budget.&lt;\/p&gt;\n&lt;p&gt;&lt;em&gt;This article is for educational purposes only and is not intended to provide and should not be relied on for financial advice.&lt;\/em&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;October 10, 2025&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:5,&quot;title&quot;:&quot;Life Insurance Riders: What You Need to Know&quot;,&quot;description&quot;:&quot;Did you know that your life insurance policy can\u00a0provide benefits\u00a0while you\u2019re alive?\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/life-insurance-riders-what-you-need-to-know\/&quot;,&quot;url_link&quot;:&quot;\/article\/life-insurance-riders-what-you-need-to-know&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-LI_20-08-13_LI-Riders_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;You\u00a0probably already\u00a0know that life insurance provides financial protection and peace of mind for your future. Securing a life insurance policy is a great way to ensure your loved ones are prepared for anything life brings \u2013 but did you know that your life insurance policy can provide additional benefits while you\u2019re alive?&lt;\/p&gt;\n&lt;p&gt;Often called living benefits riders, these add-ons can help you safeguard your income in the event of illness or disability, cover long-term care costs, or provide a cash-back refund if your policy goes unused.&lt;\/p&gt;\n&lt;h3&gt;Critical illness rider&lt;\/h3&gt;\n&lt;p&gt;A critical illness rider is one of the most popular types of add-ons. This rider would pay out benefits if you were diagnosed with a condition covered in the policy terms. The illnesses usually covered include cancer, stroke, kidney failure, heart attack, or other significant health events.&lt;\/p&gt;\n&lt;p&gt;If you experience a covered critical illness or condition, your insurance company would provide a lump sum of money from the death benefit in your policy (this is the money usually given to your beneficiary when you pass away). You can then use these funds to pay for medical expenses or cover treatments that might not be covered by your health insurance.&lt;\/p&gt;\n&lt;h3&gt;Long-term care rider&lt;\/h3&gt;\n&lt;p&gt;This rider provides a payout if you become unable to perform two or more of the six basic daily activities \u202fcited by\u202f&lt;a href=\&quot;https:\/\/www.seniorliving.org\/caregiving\/activities-of-daily-living\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;Senior Living&lt;\/a&gt;\u202fas mobility, personal hygiene, bathing, toileting, dressing and self-feeding. This financial support can help your loved ones cover expenses related to your care.&lt;\/p&gt;\n&lt;h3&gt;Waiver of premium rider&lt;\/h3&gt;\n&lt;p&gt;If you aren\u2019t able to work due to an injury, disability, or illness, this rider allows you to skip premium payments on your insurance policy while keeping it in force. As long as you paid premiums on time in the past and your condition is diagnosed by a medical professional, this rider would kick in to give you some financial relief (for a pre-determined amount of time).&lt;\/p&gt;\n&lt;h3&gt;Return of premium rider&lt;\/h3&gt;\n&lt;p&gt;The return of premium rider works as a cash-back option on your policy. If you choose a term life insurance policy and don\u2019t need to use the coverage by the time your term expires, you could get a full refund of the premiums paid during the life of the policy. The money you receive is not taxable, but keep in mind that the return won\u2019t include any interest you paid towards coverage over the years.&lt;\/p&gt;\n&lt;p&gt;This rider would increase the monthly premium you pay, but many people opt for this rider to gain peace of mind, knowing they\u2019ll receive a refund if they don\u2019t need to access their policy.&lt;\/p&gt;\n&lt;h3&gt;Get extra financial protection with life insurance riders&lt;\/h3&gt;\n&lt;p&gt;
16Living benefit riders can increase your monthly premium, but they are a good way to get a little extra financial protection for you and your loved ones. If you want to learn more about adding life insurance riders to your policy, contact a Symmetry agent today!&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;September 12, 2025&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:6,&quot;title&quot;:&quot;How To Save for Retirement at Any Age&quot;,&quot;description&quot;:&quot;We\u2019re sharing a few simple ways to save for retirement.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/road-to-retirement\/&quot;,&quot;url_link&quot;:&quot;\/article\/road-to-retirement&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/quility-road-retirement.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;While retirement may not be top of mind while you\u2019re young, prioritizing saving early in life can help you enjoy the retirement you deserve. We\u2019re sharing a few simple ways to save for retirement, broken down by age.&lt;\/p&gt;\n&lt;h3&gt;Benefits of planning for retirement early&lt;\/h3&gt;\n&lt;p&gt;Following a roadmap to retirement will help you get the most out of your money so you can spend your retirement years making memories instead of stressing over finances.&lt;\/p&gt;\n&lt;p&gt;The earlier you begin saving for retirement, the more money you\u2019ll be able to accumulate through tax-advantaged accounts, investments, and savings.&lt;\/p&gt;\n&lt;p&gt;While most of us will choose the standard employer-sponsored accounts throughout our careers, having a more robust retirement plan during your early years, such as an annuity or a cash value life insurance policy, can make all the difference when you reach retirement.&lt;\/p&gt;\n&lt;h3&gt;Retirement planning in your 20\u2019s&lt;\/h3&gt;\n&lt;p&gt;When you\u2019re just starting out in your career, it\u2019s important to have a savings plan in place. In your 20\u2019s and 30\u2019s, you will want to set a retirement roadmap that can evolve over the years while keeping you on track as your salary grows.&lt;\/p&gt;\n&lt;p&gt;To begin, you\u2019ll want to map out what your ideal retirement looks like. While we don\u2019t know what prices or the market will look like in the future, we can plan for higher expenses on most items on our budget and save more than we initially believe may be necessary.&lt;\/p&gt;\n&lt;p&gt;Plan for higher costs when listing retirement expenses such as a mortgage, health care, travel, and daily living expenses. Next, you\u2019ll want to calculate any income you will receive during retirement, including Social Security, 401k\u2019s, or other retirement savings accounts.&lt;\/p&gt;\n&lt;p&gt;Once you have an estimate of your monthly and annual expenses in retirement, you can set a savings goal to reach by retirement age (generally around age 65).&lt;\/p&gt;\n&lt;p&gt;Many advisors recommend saving an estimate of 10x your preretirement income by age 65 to maintain your current lifestyle during your retirement years \u2013 this could be broken down to saving\u00a0an amount equal to\u00a0(or double)\u00a0your annual income by age 30, three times your income by age 40, six times by age 50, and so on.&lt;\/p&gt;\n&lt;h3&gt;Retirement planning in your 30\u2019s&lt;\/h3&gt;\n&lt;p&gt;Once you have your retirement plan in place and you are working on your savings goals, you may consider purchasing a financial vehicle to help you reach those goals.&lt;\/p&gt;\n&lt;p&gt;An annuity is a time-tested solution for retirement savings, as it allows you to save money tax-deferred over the years and receive a guaranteed income stream during retirement. An annuity can be a very beneficial savings vehicle beyond your standard 401k and IRA by protecting your income from market loss, as its value doesn\u2019t sway with the markets.&lt;\/p&gt;\n&lt;p&gt;With an annuity, you won\u2019t have to withdraw a specific amount each year as you would with an IRA, and you won\u2019t have to face\u202fthe\u202frisk of market loss in the event of an economic downturn.&lt;\/p&gt;\n&lt;h3&gt;Planning in your 40\u2019s and 50\u2019s&lt;\/h3&gt;\n&lt;p&gt;When you enter your 40\u2019s and 50\u2019s, you likely have a solid plan in action for retirement. During these years, it\u2019s important to focus on keeping up with your goals. This can include making catch-up contributions to your retirement accounts, continuing to stick to your budget, and meeting with your financial advisors and insurance agents to ensure you\u2019re making all the right financial decisions.&lt;\/p&gt;\n&lt;p&gt;You may also find opportunities to maximize income through side jobs and find ways to minimize unnecessary expenses during this time.&lt;\/p&gt;\n&lt;h3&gt;Approaching retirement&lt;\/h3&gt;\n&lt;p&gt;Many people are delaying retirement and working longer than ever before. Depending on if you\u2019re delaying retirement or ready to begin your adventure, the years before your scheduled retirement are key to ensuring you get the retirement you deserve.&lt;\/p&gt;\n&lt;p&gt;Delaying your retirement deadline by a few years could significantly improve your retirement benef
16its; If you anticipate receiving Social Security benefits, the &lt;a href=\&quot;https:\/\/www.ssa.gov\/benefits\/retirement\/planner\/agereduction.html\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;monthly payments&lt;\/a&gt;\u00a0you receive will vary\u00a0based\u00a0on when you start receiving them. If you delay retirement up to age 70, your\u00a0benefit\u00a0amount will increase.&lt;\/p&gt;\n&lt;h3&gt;Reaching\u00a0retirement&lt;\/h3&gt;\n&lt;p&gt;You\u2019ve reached your retirement years, now what? It\u2019s important to protect the wealth you\u2019ve worked so hard to build, and meeting with a financial advisor can help you ensure your finances are prepared for retirement.&lt;\/p&gt;\n&lt;p&gt;Now is a good time to meet with your insurance advisor to ensure your life insurance beneficiary information in your policy is accurate and to discuss how you can make the most of your policy benefits during retirement.&lt;\/p&gt;\n&lt;p&gt;If you have an annuity for guaranteed income in retirement, you can begin receiving payouts to supplement retirement living. Funds from your annuity can be used to fund a vacation, cover medical expenses, provide for daily expenses, and more.&lt;\/p&gt;\n&lt;h3&gt;Symmetry Financial Group can help you achieve the retirement you deserve&lt;\/h3&gt;\n&lt;p&gt;We work with more than 80 insurance companies to help you find the retirement savings solution that meets your budget and goals.&lt;\/p&gt;\n&lt;p&gt;Connect with a licensed agent today\u202f\u2013 your agent can present your options and help you get a plan in place in just a few simple steps.&lt;a href=\&quot;https:\/\/dev.quility.com\/schedule-a-call-back\/\&quot; target=\&quot;_blank\&quot; rel=\&quot;noreferrer noopener\&quot;&gt;\n&lt;\/a&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 12, 2025&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/retirement-solutions\&quot;&gt;Retirement Solutions&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Retirement Solutions&quot;,&quot;slug&quot;:&quot;archive\/retirement-solutions&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:7,&quot;title&quot;:&quot;Why You Need Life Insurance in Your 30s\u00a0&quot;,&quot;description&quot;:&quot;If you\u2019re in your thirties, here are some common scenarios that show why now is the time to buy life insurance.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/why-you-need-life-insurance-in-your-30s\/&quot;,&quot;url_link&quot;:&quot;\/article\/why-you-need-life-insurance-in-your-30s&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-SM-P-QL_23-07-Why-You-Need-Life-Insurance-in-Your-30s_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;When it comes to securing life insurance, the earlier the better. So while you can always do it sooner, your thirties are still a great time to put a policy in place.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;If you\u2019re in your thirties, here are some common scenarios that show why now is the time to buy life insurance.&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;You\u2019re young and healthy&lt;\/h3&gt;\n&lt;p&gt;While that achy left knee might be trying to convince you otherwise, you\u2019re still young and probably still in good, overall health. It\u2019s no secret that life insurance costs less when you\u2019re young and well, so don\u2019t wait until candles get added to the cake or illness creeps in.&lt;\/p&gt;\n&lt;h3&gt;To protect your partner&lt;\/h3&gt;\n&lt;p&gt;A &lt;a href=\&quot;https:\/\/www.theknot.com\/content\/wedding-data-insights\/real-weddings-study\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;2022 survey&lt;\/a&gt; showed the average age of marriage in the U.S. is 31 years old. And whether you choose to tie the knot\u2026or not\u2026you might find this third decade to be a great time for partnering up and settling down.&lt;\/p&gt;\n&lt;p&gt;And while there\u2019s an endless number of ways to show your partner you care, securing life insurance is one of the most meaningful. You\u2019re building a life together and if you were to pass away, your partner would not only carry the burden of funeral expenses but the financial responsibility of mortgage payments, shared assets, loans and debts as well.&lt;\/p&gt;\n&lt;p&gt;Life insurance is love insurance&lt;em&gt; (and takes just 10 minutes or less to apply for)&lt;\/em&gt;.&lt;\/p&gt;\n&lt;h3&gt;To protect your home&lt;\/h3&gt;\n&lt;p&gt;A home might be the largest purchase you ever make and it\u2019s an investment in the safety of the people you love most. If you were to pass, your home could either continue being a source of stability or become the reason for insurmountable stress.&lt;\/p&gt;\n&lt;p&gt;Mortgage protection is an affordable term life insurance policy, designed for homeowners, that allows you to rest easy knowing your home would continue to be paid for in the event of death or significant loss of income.&lt;\/p&gt;\n&lt;h3&gt;To protect your kids&lt;\/h3&gt;\n&lt;p&gt;If you\u2019ve already got them, you know you\u2019d do anything to protect them. You also know just how much goes into raising them (and what it costs).&lt;\/p&gt;\n&lt;p&gt;If you were gone, would there be enough money to keep your children housed, fed and involved in the activities that bring them joy and connection? Would your surviving partner have the resources needed to continue saving for college tuition?&lt;\/p&gt;\n&lt;p&gt;Term life insurance offers flexible coverage that can be customized by term length and riders (or \u201cadd-ons\u201d). Most importantly, it buys y
16ou peace of mind\u2014a priceless commodity for any parent.&lt;\/p&gt;\n&lt;h3&gt;If you don\u2019t have kids (but you do have debt)&lt;\/h3&gt;\n&lt;p&gt;You don\u2019t have to be a parent to need life insurance. All you need is debt! From credit card bills to mortgage payments, debt comes in many forms and if you were to pass away, your loved ones could be on the hook for paying yours off. That would be a harsh addition to an exceptionally hard time.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Life insurance covers your loans, so your parents or partner don\u2019t have to.\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;If you\u2019re starting a business&lt;\/h3&gt;\n&lt;p&gt;Congratulations! That concept you\u2019ve been brewing is ready to be bottled and you\u2019re taking on the title of business owner. There are so many ways to set yourself up for success, but before you hang that shingle, have you considered the ways life insurance can not only protect your business but help it thrive?&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Entrepreneurs use life insurance to:&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Provide collateral for a business loan&lt;\/li&gt;\n \t&lt;li&gt;Fund a buy-sell agreement&lt;\/li&gt;\n \t&lt;li&gt;Serve as key person and asset protection&lt;\/li&gt;\n \t&lt;li&gt;Assist with retirement planning&lt;\/li&gt;\n \t&lt;li&gt;and more!&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;If you\u2019re looking ahead&lt;\/h3&gt;\n&lt;p&gt;By now you\u2019ve probably caught onto the fact that this ride we call life is full of twists and unexpected turns. How would you support yourself and your loved ones if you were to experience a medical crisis like cancer, stroke or heart attack?&lt;\/p&gt;\n&lt;p&gt;By adding a rider to your policy, like the critical illness rider for example, you could rest easy knowing that a number of qualifying health events would allow you to receive a lump sum of money from your policy\u2019s death benefit, giving you time and the peace of mind to heal and recover.&lt;\/p&gt;\n&lt;p&gt;Permanent life insurance comes with a cash savings component that acts like a savings account and grows interest over time. Money from the account can be withdrawn and used for things like paying off debt, funding education or making a down payment on a house. Many people use permanent life insurance to help fund their retirement, making sure those years stay as golden as possible.&lt;\/p&gt;\n&lt;h3&gt;There&#039;s no better time than now to secure coverage!&lt;\/h3&gt;\n&lt;p&gt;If you\u2019re in your thirties, there are a range of highly customizable life insurance options to fit your current needs, your future goals and your budget. Speak to a Symmetry Financial Group agent today to learn more!&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;August 21, 2023&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/term-life\&quot;&gt;Term Life&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Term Life&quot;,&quot;slug&quot;:&quot;archive\/term-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:8,&quot;title&quot;:&quot;6 Habits to Help You Qualify for Life Insurance&quot;,&quot;description&quot;:&quot;Did you know your insurability is based on your health and lifestyle at the time you apply for coverage?&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/6-healthy-habits-to-qualify-life-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/6-healthy-habits-to-qualify-life-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-SM-P-LI_23-07-8-Healthy-Habits-to-Help-You-Qualify-for-Life-Insurance_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Life insurance is an essential financial tool that provides protection and peace of mind for you and your loved one
16s. As you get older and have dependents, sign a mortgage or own a small business, it becomes increasingly important to get life insurance coverage to protect your finances in the event of unexpected circumstances.&lt;\/p&gt;\n&lt;p&gt;We\u2019re sharing six key habits that can help you qualify for life insurance and get the best price on your policy.&lt;\/p&gt;\n&lt;h3&gt;Why your health matters in the life insurance application process&lt;\/h3&gt;\n&lt;p&gt;To get the best possible life insurance premium (monthly payment), adopting healthy habits can make a significant difference. Even though most term life insurance policies don\u2019t require a medical exam or doctor\u2019s visit, your premium price is affected by your \u201cinsurability.\u201d&lt;\/p&gt;\n&lt;p&gt;Your insurability is based on your health and lifestyle at the time you apply for coverage. During the life insurance application process, the insurance carrier reviews your health, medical conditions and lifestyle\/hobbies to determine your coverage rate.&lt;\/p&gt;\n&lt;h4&gt;Take a stroll or a stretch break&lt;\/h4&gt;\n&lt;p&gt;Regular exercise reduces the risk of chronic disease while improving cardiovascular health. Whether it\u2019s walking around the block, strength training, or doing some flexibility exercises during the workday, a regular exercise plan can help you mitigate some of the health conditions that could affect your life insurance premium &lt;em&gt;(like high blood pressure)&lt;\/em&gt;.&lt;\/p&gt;\n&lt;h4&gt;Fill up on fruits and veggies&lt;\/h4&gt;\n&lt;p&gt;A balanced and nutritious diet is key for physical and mental well-being. Focus on whole foods such as fruits, vegetables, whole grains, lean proteins and healthy fats. As much as possible, try to avoid processed sugary snacks and drinks. A healthy diet can also help you manage health aspects that relate to your insurability.&lt;\/p&gt;\n&lt;h4&gt;Don\u2019t skip the doctor\u2019s visits!&lt;\/h4&gt;\n&lt;p&gt;Regular health check-ups are essential for early detection and prevention of health issues. By taking a responsible and proactive approach to your well-being, you\u2019ll be recognized as a lower risk profile to insurance providers.&lt;\/p&gt;\n&lt;h4&gt;Nix the nicotine&lt;\/h4&gt;\n&lt;p&gt;Nicotine use is one factor that can not only increase your risk of various diseases, but it can also negatively impact your eligibility for life insurance. Most life insurance applications ask about nicotine use. Quitting smoking is one way to increase your chances of qualifying for life insurance at more favorable rates.&lt;\/p&gt;\n&lt;h4&gt;Find zen within your day&lt;\/h4&gt;\n&lt;p&gt;Chronic stress is harmful for your physical and mental well-being. Regular exercise, mindfulness practices, adequate sleep, and engaging in hobbies you enjoy can help you take your stress levels down and support a balanced life.&lt;\/p&gt;\n&lt;h4&gt;Avoid risky hobbies&lt;\/h4&gt;\n&lt;p&gt;Unfortunately, life insurers don\u2019t love skydiving. Some simple ways to lessen your risk profile include safe driving, wearing seatbelts and avoiding potentially dangerous physical activities. These habits demonstrate commitment to reducing potential risks, which can positively influence your life insurance application.&lt;\/p&gt;\n&lt;h3&gt;Check \u2018get life insurance\u2019 off your to-do list today&lt;\/h3&gt;\n&lt;p&gt;If you\u2019re ready to get a policy for you and your loved ones,\u202f Symmetry Financial Group is here to make it simple. Contact your Symmetry agent today to get a quote.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 24, 2023&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:9,&quot;title&quot;:&quot;Busting Permanent Life Insurance Myths&quot;,&quot;description&quot;:&quot;We\u2019re looking at common misunderstandings and busting five common myths.\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/busting-permanent-life-insurance-myths\/&quot;,&quot;url_link&quot;:&quot;\/article\/busting-permanent-life-insurance-myths&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-PL_22-04-06_Busting-Permanent-Life-Insurance-Myths_1920
16x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Permanent life insurance offers many unique benefits and a lifetime of coverage, making it a great choice for those who seek financial protection for themselves and their loved ones.&lt;\/p&gt;\n&lt;p&gt;With its array of policies and signature cash-value component, there\u2019s plenty of information to sort into fact, fiction and mystery. That\u2019s why we\u2019re looking at some common misunderstandings and busting through five common myths.&lt;\/p&gt;\n&lt;h3&gt;Myth #1: It\u2019s complicated&lt;\/h3&gt;\n&lt;p&gt;With so many products to choose from\u2014whole life, variable life, universal life to name a few\u2014it can certainly feel like permanent life insurance is complicated.&lt;\/p&gt;\n&lt;p&gt;Fear not! Think of permanent life insurance as a catchall term for any policy that lasts a lifetime and contains a cash-value feature.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Permanent life insurance policies differ most in terms of:&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Flexibility&lt;\/li&gt;\n \t&lt;li&gt;Level of market risk&lt;\/li&gt;\n \t&lt;li&gt;Affordability&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;&lt;strong&gt;Remember: &lt;\/strong&gt;A licensed agents can help you secure permanent life insurance policy, and they can even make it an easy and enjoyable process!&lt;\/p&gt;\n&lt;h3&gt;Myth #2: It\u2019s expensive&lt;\/h3&gt;\n&lt;p&gt;Not necessarily.&lt;\/p&gt;\n&lt;p&gt;Do a side-by-side comparison of term vs. permanent life insurance premiums, and yes, permanent insurance will appear more expensive. Put those numbers into the context of policy value, benefits, and savings over time though, and you may find permanent life insurance to be the most cost-efficient solution for your needs.&lt;\/p&gt;\n&lt;p&gt;Remember that permanent coverage may be more expensive than other types of coverage, but that does not mean it\u2019s inherently expensive or unaffordable.&lt;\/p&gt;\n&lt;p&gt;Debts, estate taxes, care for dependents\u2014these burdens would be far more expensive for your survivors than the expense of your policy.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;To lower your permanent life insurance premiums:&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Purchase your policy as early as possible (premiums increase with age)&lt;\/li&gt;\n \t&lt;li&gt;See if a universal policy works well for you (they can cost less than whole life policies)&lt;\/li&gt;\n \t&lt;li&gt;If you\u2019re healthy, consider a fully underwritten policy that requires a medical exam (policies that waive medical exams can cost more)&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;Myth #3: I don\u2019t need coverage for my entire life&lt;\/h3&gt;\n&lt;p&gt;Once the kids are grown and the mortgage is paid, it\u2019s easy to conclude that life insurance is no longer needed. Not true!&lt;\/p&gt;\n&lt;p&gt;In the event of your passing, you would want to ensure that final expenses were not left as a burden to your loved ones. You may have life-long dependents (i.e. a special needs child or chronically ill partner), outstanding debts or estate taxes to consider.&lt;\/p&gt;\n&lt;p&gt;Additionally, you may want to gift your children or grandchildren with a financial legacy or trust.&lt;\/p&gt;\n&lt;p&gt;Permanent life insurance is a solution that sticks by you while you\u2019re alive and supports the ones you love once you\u2019ve passed.&lt;\/p&gt;\n&lt;h3&gt;Myth #4: Life insurance can\u2019t help me support my financial future&lt;\/h3&gt;\n&lt;p&gt;Remember that in addition to the guaranteed death benefit, permanent life insurance policies also come with a cash value component. When you make premium payments on your permanent life insurance policy, a portion of that money goes into a cash value account. This money is invested by the insurer (usually in the stock market) and your money grows on a tax-deferred basis.&lt;\/p&gt;\n&lt;p&gt;Once the cash value account is large enough, you can use it to cover your premiums, make withdrawals (think down payment on a home, kids\u2019 college expenses, income stream during retirement) or borrow against it, using the cash value as collateral.&lt;\/p&gt;\n&lt;p&gt;Some permanent life insurance policies even come with the opportunity to earn dividends, allowing policyholders to benefit from the annual profits of their insurance company.&lt;\/p&gt;\n&lt;p&gt;Permanent life insurance is a great choice for individuals who wish to diversify their investments, build savings and financially protect their loved one
16s.&lt;\/p&gt;\n&lt;h3&gt;Myth #5: I already have a term life policy, so I don\u2019t need a permanent life policy&lt;\/h3&gt;\n&lt;p&gt;While term life may have been the best fit when you purchased your policy, our lives change and so do our coverage needs. Perhaps your health has worsened, your finances have improved or you\u2019re ready to create a new retirement solution. These are all great reasons to consider converting from a term to a permanent life insurance policy.&lt;\/p&gt;\n&lt;p&gt;A health condition that has emerged or worsened will not affect your premiums when converting from term to permanent life insurance. You will not have to take a medical exam or go through the underwriting process again.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;How to convert term to permanent life insurance:\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Check your policy to see if conversion is an option&lt;\/li&gt;\n \t&lt;li&gt;Determine what the conversion period of your policy is (the timeframe in which you\u2019re able to convert)&lt;\/li&gt;\n \t&lt;li&gt;Contact your Symmetry Financial Group agent to make the switch!&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;While there is no direct cost associated with converting term to permanent coverage, you can expect your premiums to increase.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;These increases will be determined by:\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Your age&lt;\/li&gt;\n \t&lt;li&gt;&lt;strong&gt;Amount&lt;\/strong&gt; of coverage you convert&lt;\/li&gt;\n \t&lt;li&gt;&lt;strong&gt;When&lt;\/strong&gt; you convert (some insurers offer credit rewards for converting early in the lifespan of your term policy)&lt;\/li&gt;\n \t&lt;li&gt;The &lt;strong&gt;type&lt;\/strong&gt; of permanent life insurance you convert to (with universal coverage costing less than whole life)&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;\u00a0&lt;\/p&gt;\n&lt;h3&gt;Get affordable permanent life insurance today!&lt;\/h3&gt;\n&lt;p&gt;Symmetry Financial Group offers a variety of universal and whole life insurance policies from more than 80 life insurance companies. A licensed agent is ready to customize the best policy for you today, and they\u2019ll always be there down the road if policy adjustments are needed.&lt;\/p&gt;\n&lt;p&gt;Schedule a consultation to get a permanent life insurance policy that fits your needs with support from a licensed Symmetry agent.&lt;\/p&gt;\n&lt;p&gt;\u00a0&lt;\/p&gt;\n&lt;p&gt;\u00a0&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 12, 2023&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/permanent-life\&quot;&gt;Permanent Life&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Permanent Life&quot;,&quot;slug&quot;:&quot;archive\/permanent-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:10,&quot;title&quot;:&quot;Living Benefits: Life Insurance as An Investment&quot;,&quot;description&quot;:&quot;One of the major hidden benefits of life insurance is the savings advantages (aka living benefits).&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/living-benefits-life-insurance-as-an-investment\/&quot;,&quot;url_link&quot;:&quot;\/article\/living-benefits-life-insurance-as-an-investment&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-QL_22-12-29_5-Home-Improvements-That-Add-Value-in-2023_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;A life insurance payout is usually something you only think about when a loved one dies. However, just like any type of insurance, your life insurance policy has a lot of value right now! One of the major hidden benefits of a life insurance policy is its savings benefits (aka living benefits).&lt;\/p&gt;\n&lt;p&gt;
16Depending on how you use your life insurance, it could end up being one of the most powerful pieces of your financial plan. Talking with a Symmetry Financial Group agent can help you discover the value of living benefits!&lt;\/p&gt;\n&lt;h3&gt;Living benefits of life insurance; Fine-tune your policy with riders&lt;\/h3&gt;\n&lt;p&gt;Living benefits allow you to utilize your life insurance policy while you\u2019re still alive. Often called riders, living benefits work as \u201cadd-ons\u201d to your term or permanent life insurance policy.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Riders provide extra financial protection. Here are a few popular riders:&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;One of the most popular riders is a return of premium rider, which refunds the premiums you made throughout the life of your policy if you outlive your term.&lt;\/li&gt;\n \t&lt;li&gt;A critical illness rider would pay out if you were diagnosed with a covered illness.&lt;\/li&gt;\n \t&lt;li&gt;You could also choose a long-term care rider, which would provide payments to cover long-term care services.&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;Living benefits can also relate to the cash value savings component of some insurance policies. Cash value policies can help you fund your dream retirement, pay off debt or even cover college tuition.&lt;\/p&gt;\n&lt;h3&gt;Types of life insurance: permanent vs. term&lt;\/h3&gt;\n&lt;p&gt;There are two main types of life insurance: term and permanent. The difference between them is the length of time your policy covers and the cost of the monthly\/annual premium.&lt;\/p&gt;\n&lt;p&gt;Another major difference is the relative financial rewards you could gain.&lt;\/p&gt;\n&lt;p&gt;Term life insurance usually covers 10-30 years and is known for being affordable and customizable. You can also \u201cladder\u201d term policies for long-term savings and financial benefits.&lt;\/p&gt;\n&lt;p&gt;Permanent life insurance (also called whole or universal) covers a lifetime and is generally more expensive than term life. However, permanent life insurance offers more robust living benefits and usually includes a cash value that you can access in addition to the policy death benefit (the lump sum paid when you pass away while your policy is in force).&lt;\/p&gt;\n&lt;p&gt;This makes it a popular choice for small business owners, parents, double-income families without children and anyone who wants to diversify their financial plans.&lt;\/p&gt;\n&lt;h3&gt;How cash value works&lt;\/h3&gt;\n&lt;p&gt;Cash value life insurance policies (like whole life or universal life) combine permanent (lifetime) coverage with an investment account.&lt;\/p&gt;\n&lt;p&gt;The cash value in your policy\u2019s \u201csavings\u201d account grows interest over time. You can withdraw money from the cash value, access the cash value as a lump sum policy loan, or even use the money to pay premiums on the policy itself. Some people withdraw funds from the cash value to help cover down payments on a home, pay off debts, fund a college education or a dream vacation.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Different types of cash value policies include:\u00a0\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Whole life insurance (cash value grows at a fixed rate)&lt;\/li&gt;\n \t&lt;li&gt;Variable life insurance (cash value invested in portfolios like mutual funds)&lt;\/li&gt;\n \t&lt;li&gt;Universal life insurance (based on market performance)&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;Depending on which type of cash value insurance you choose, your policy comes with rules around how you can access that cash value. For example, if you want to withdraw a portion of the cash value, you can do so tax-free with most variable and universal policies, but a whole life policy withdrawal would have risks such as a greater reduction of your death benefit.&lt;\/p&gt;\n&lt;h3&gt;Best types of life insurance for building savings&lt;\/h3&gt;\n&lt;p&gt;If you want to use your life insurance policy to gain cash value, a permanent policy such as an Indexed Universal life policy (IUL) or a variable universal policy is usually your best option.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Best life insurance for building cash savings:\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;Permanent life insurance options: an Indexed Universal Life (IUL) policy or variable universal life insurance offer good cash value savings potential plus all the security of life-long life insurance coverage.&lt;\/li&gt;\n \t&lt;li&gt;Combo of term and perm: insure certain stages of life while also building cash savings (budget-friendly).&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;Protecting your future (and beyond)&lt;\/h3&gt;\n&lt;p&gt;Above all, life insurance exists to protect your partner, child, business or loved one
16s from paying off any of your debts when you pass away. The death benefit of your policy should be enough money to cover your outstanding debts (it\u2019s important to cover future debts too) including mortgages and student loans.&lt;\/p&gt;\n&lt;p&gt;Consider this before withdrawing funds from your policy too \u2013 you want to leave behind enough money to cover all debts.&lt;\/p&gt;\n&lt;h3&gt;Get a policy with living benefits at a price you can afford&lt;\/h3&gt;\n&lt;p&gt;Permanent life insurance offers lifelong coverage, flexible premium payment options and a cash value savings component \u2013 as well as lifelong peace of mind for your family and finances. And applying for permanent life insurance is simple with Symmetry Financial Group. Reach out to one of Symmetry agents today to learn more!&lt;\/p&gt;\n&lt;p&gt;\u00a0&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;March 27, 2023&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/permanent-life\&quot;&gt;Permanent Life&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Permanent Life&quot;,&quot;slug&quot;:&quot;archive\/permanent-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:11,&quot;title&quot;:&quot;Paying Off Credit Card Debt With Debt Free Life&quot;,&quot;description&quot;:&quot;We share some simple ways to help get your balance to zero.\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/paying-credit-card-debt\/&quot;,&quot;url_link&quot;:&quot;\/article\/paying-credit-card-debt&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-DFL_22-03-10_Paying-Off-Credit-Card-Debt-With-Debt-Free-Life_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Credit card debt happens fast. One minute you\u2019re adding that must-have item to your cart, and the next minute you\u2019re staring into your banking app, perhaps feeling a hint of regret.&lt;\/p&gt;\n&lt;p&gt;Between bills, rent, groceries and the soothing feeling of pressing that \u201cadd to cart\u201d button, it\u2019s hard to get ahead when it comes to debt. We\u2019ll share some simple ways to help get your balance to zero.&lt;\/p&gt;\n&lt;h3&gt;Tried and true methods for debt payoff&lt;\/h3&gt;\n&lt;p&gt;The debt snowball and avalanche methods can help you freeze \u2013 then melt away \u2013 your debt but will require a lot of self-discipline. With the debt snowball method, you\u2019ll sort your credit card balances from largest to smallest. Pay off the smallest debt in full before moving to the next and make minimum payments on all other credit cards besides the current \u201csnowball.\u201d&lt;\/p&gt;\n&lt;p&gt;With debt avalanche, you pay off the credit card with the highest interest rate first instead of looking at the balance. This tends to be faster. Read more about the debt snowball and debt avalanche methods.&lt;\/p&gt;\n&lt;h3&gt;Automate everything&lt;\/h3&gt;\n&lt;p&gt;Automating your monthly payments is one easy way to start paying off debt without overthinking it. This can also help you avoid losing money on late fees.&lt;\/p&gt;\n&lt;p&gt;Most credit card companies allow you to automate payments: just be sure to plan for this in your monthly budget so you always know where your money is going (&lt;em&gt;no thank you, overdraft fees!&lt;\/em&gt;).&lt;\/p&gt;\n&lt;h3&gt;Get another credit card&lt;\/h3&gt;\n&lt;p&gt;We know this sounds unhelpful when you are trying to get less involved with credit cards, but there is an exception: the 0% balance transfer credit card. With a 0% balance transfer credit card, you can transfer your high-rate card balance to the new intro-rate card.&lt;\/p&gt;\n&lt;p&gt;With this strategy, you should not use the old credit card; it will now have a zero balance when a financial emergency happens. By transferring all your balances to one, you\u2019ll have one simple payment each month and you won\u2019t have to pay interest during your new timeframe (usually 12-18 months).&lt;\/p&gt;\n&lt;p&gt;&lt;em&gt;Pro-Tip: Don&#039;t stack up debt on your old cards. Many people who use this strategy end up doubling their debt balances over time because they acquire debt on those old cards \u2013 don\u2019t do this!&lt;\/em&gt;&lt;\/p&gt;\n&lt;p&gt;Be sure to keep a zero balance on your old cards after you transfer money to the new card.&lt;\/p&gt;\n&lt;h3&gt;See if past good behavior can be to your benefit&lt;\/h3&gt;\n&lt;p&gt;Reach out to your creditors to see if they have any benefits or leniency for longtime customers with good payment histories. You never know if they can help you get a little relief by negotiating your terms or getting into a hardship program.&lt;\/p&gt;\n&lt;h3&gt;Get free help from an expert&lt;\/h3&gt;\n&lt;p&gt;Just like dodgeball, paying off debt is easier (and less painful) with someone on your team. Debt Free Life is a program that uses life insurance to help pay off debts, and rather than trying to navigate inflation and recessions, this plan uses custom softw
16are to tell you exactly how to pay off debt and when you\u2019ll be debt free.&lt;\/p&gt;\n&lt;p&gt;By redirecting inefficient funds (such as contributions to underperforming savings vehicles) into a life insurance policy that will act as a savings \u201caccount,\u201d you can build the cash value of the policy to begin paying off the principal balances of your debts.&lt;\/p&gt;\n&lt;h3&gt;Tip: Lock in a great interest rate if you can&lt;\/h3&gt;\n&lt;p&gt;Interest rates may have hit the highest percentage in years, but that doesn\u2019t mean you should put off your financial goals. With\u202fDebt Free Life, you can lock in an interest rate of 3.5-5% (depending on carrier) for the entirety of your policy.&lt;\/p&gt;\n&lt;h3&gt;Ready to be done with debt for good?&lt;\/h3&gt;\n&lt;p&gt;Connect with one of our Debt Free Life consultants entirely online, over the phone or in-person to get your plan started. A Symmetry Financial Group agent can help you knock years off your debt payoff schedule.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;January 4, 2023&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/debt-free-life\&quot;&gt;Debt Free Life\u00ae&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Debt Free Life\u00ae&quot;,&quot;slug&quot;:&quot;archive\/debt-free-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:12,&quot;title&quot;:&quot;Track Your Money With Our Spending Planner&quot;,&quot;description&quot;:&quot;Tracking your money is a great habit to develop and is one of the key steps in achieving financial success.\u00a0\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/you-should-be-tracking-your-money-each-month\/&quot;,&quot;url_link&quot;:&quot;\/article\/you-should-be-tracking-your-money-each-month&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-C-DFL_22-05-04_DFL-Spending-Planner_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;While it might not hold the reputation for most exciting activity ever, tracking your money is a great habit to develop and is one of the key steps in achieving financial success.&lt;\/p&gt;\n&lt;p&gt;Recently, we sat down with &lt;a href=\&quot;https:\/\/www.linkedin.com\/in\/mike-resma-7b78b164\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;Mike Resma, Quility\u2019s SVP of Advanced Market Solutions&lt;\/a&gt;, to better understand why tracking your finances is so important, where to start and what comes next.&lt;\/p&gt;\n&lt;p&gt;\u201cWhen you track your money,\u201d says Resma, \u201cyou control it. When you record where each dollar is going, you can discover areas of inefficient spending and redirect those dollars towards debt elimination, savings or the purchase of larger assets.\u201d&lt;\/p&gt;\n&lt;p&gt;If you\u2019re willing to start tracking, here\u2019s what Resma says comes next\u2026 \u201cHave a plan. You\u2019re going to want to set both short and long-term goals. Without a plan and knowing where you want to go, the destination is hard to achieve.\u201d&lt;\/p&gt;\n&lt;p&gt;Seek expert guidance to take your budgeting to the next level&lt;\/p&gt;\n&lt;p&gt;And finally, \u201cWhen plotting out your path to financial freedom, remember to never go it alone! Seek expert guidance; someone who can create a highly efficient plan that is customized to your situation and needs.\u201d&lt;\/p&gt;\n&lt;p&gt;There really isn\u2019t anyone who is not well-served by the practice of tracking your spending. When you give your attention to what\u2019s going where, you\u2019ll be able to assess how well you\u2019re keeping up with required spending (think: loans, utility bills and groceries) and where optional spending (think: spa days, that growing book collection and nights out on the town) might be out of balance.&lt;\/p&gt;\n&lt;p&gt;With an eye on your accounts, you\u2019ll also be well positioned to catch any fraudulent activity or cancel subscription-based services you may have forgot you were enrolled in.&lt;\/p&gt;\n&lt;p&gt;Want to start saving money effectively? Discover &lt;a href=\&quot;
16https:\/\/dev.quility.com\/magazine\/articles\/how-inflation-is-affecting-debt\/\&quot; target=\&quot;_blank\&quot; rel=\&quot;noreferrer noopener\&quot;&gt;the three keys to financial success &lt;\/a&gt;for tips on managing your finances during an uncertain economy.&lt;\/p&gt;\n&lt;h3&gt;Get started with Debt Free Life from Quility&lt;\/h3&gt;\n&lt;p&gt;Fortunately, for individuals who pay their bills on time and contribute to a savings or retirement account, Quility is able to offer its &lt;a href=\&quot;https:\/\/sfglife.com\/magazine\/articles\/beginners-guide-to-debt-free-life\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;Debt Free Life program&lt;\/a&gt;\u2014a modern approach to paying off debt by using the cash value of a specialized whole life insurance policy.&lt;\/p&gt;\n&lt;p&gt;When you work with a certified Debt Free Life consultant, the Spending Planner will be used to gain a clear understanding of your expenses. Via Quility\u2019s exclusive software, your information will be organized into a clear report of your debts and scheduled interest.&lt;\/p&gt;\n&lt;p&gt;Your certified Debt Free Life consultant will not only show you how to use your whole life insurance policy to eliminate debt and build savings, you\u2019ll also be provided with the date you can expect to be debt free and the amount of interest you can expect to save through your personalized debt elimination report!&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Debt Free Life policies are issued by some of the strongest and most stable insurance carriers in the country.&lt;\/strong&gt; &lt;a href=\&quot;https:\/\/sfglife.com\/debt-free-life\/\&quot; target=\&quot;_blank\&quot; rel=\&quot;noreferrer noopener\&quot;&gt;Secure your policy today!\u00a0&lt;\/a&gt;&lt;\/p&gt;\n&lt;p&gt;Mike Resma is the Senior VP of Advanced Markets at Quility. To see more from Mike, &lt;a href=\&quot;https:\/\/www.linkedin.com\/in\/mike-resma-7b78b164\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;follow him on LinkedIn&lt;\/a&gt;.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;October 24, 2022&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Debt Free Life\u00ae&quot;,&quot;cat_link&quot;:&quot;debt-free-life&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/debt-free-life\&quot;&gt;Debt Free Life\u00ae&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Debt Free Life\u00ae&quot;,&quot;slug&quot;:&quot;archive\/debt-free-life&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:13,&quot;title&quot;:&quot;How Much Term Life Insurance Do I Need?&quot;,&quot;description&quot;:&quot;Term life insurance is an affordable, dependable type of life insurance that\u2019s a great fit for most people.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/how-much-term-life-insurance-do-i-need\/&quot;,&quot;url_link&quot;:&quot;\/article\/how-much-term-life-insurance-do-i-need&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-TL_20-08-13_How-Much-TLI-Do-I-Need_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Term life insurance is an affordable, dependable type of life insurance that\u2019s a great fit for most people. If you have a mortgage or carry debt, term life insurance ensures that your loved ones aren\u2019t left with this burden when you\u2019re gone.\u202f&lt;\/p&gt;\n&lt;p&gt;With monthly premiums as low as $20 and customizable policy options, term life is adaptable enough to fit your needs, no matter what stage of life you\u2019re in.\u00a0\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;How to calculate how much insurance you need&lt;\/h3&gt;\n&lt;p&gt;The coverage amount you select will affect how affordable your monthly premium will be. It\u2019s also an important amount that should reflect how much financial support you want to provide to your loved one
16s.&lt;\/p&gt;\n&lt;p&gt;Everyone\u2019s needs are different when it comes to the amount of life insurance coverage they\u2019ll need, but one simple trick is to calculate five to ten times your annual salary. This amount will give you a rough estimate of how much insurance would support your loved ones if you weren\u2019t around to help with the family bills. You might need more or less coverage than this estimate.&lt;\/p&gt;\n&lt;p&gt;If you have dependents and want to help pay for their college education or you own a small business, your coverage amount may increase. If you\u2019re confident in your savings and retirement funds, you might need less coverage.\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;What to do if you have debt and need life insurance&lt;\/h3&gt;\n&lt;p&gt;If you\u2019re carrying debt, the amount of debt you currently have and could have in the future will factor into how much life insurance coverage you need. You\u2019ll want to consider if you have any debt that\u2019s cosigned with your spouse, such as your mortgage. When you\u2019re calculating how much life insurance you need, you\u2019ll want to factor in these costs so your loved ones would be financially prepared to pay off these debts.&lt;\/p&gt;\n&lt;p&gt;In most cases, debt collectors cannot go after life insurance proceeds, and the death benefit will be passed to your beneficiary. If you pass away and have debts, they\u2019ll likely be passed through your estate. In some cases, if your beneficiary is your spouse and you cosigned a debt, a collector could come after that debt.&lt;\/p&gt;\n&lt;p&gt;It\u2019s important to discuss the debt you\u2019re carrying with your insurance agent if you have concerns about how much life insurance coverage you need.\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;What to do if you already have life insurance through your employer&lt;\/h3&gt;\n&lt;p&gt;If you have life insurance through your employer, you\u2019re off to a great start! However, in most cases, relying on this coverage alone won\u2019t be enough financial protection for your loved ones.&lt;\/p&gt;\n&lt;p&gt;Generally, employer-sponsored coverage only amounts to one- or two-years&#039; salary, which is usually not enough to support your loved ones in the same way that an individual term life insurance policy would.&lt;\/p&gt;\n&lt;p&gt;It\u2019s best to calculate your term life coverage needs while excluding your employer\u2019s coverage, and then factor this policy in, adding your spouse or loved one as the beneficiary to both policies.&lt;\/p&gt;\n&lt;p&gt;Your beneficiary will receive both policy payouts when you pass away, meaning that they\u2019ll have the financial protection they need without relying solely on life insurance through your employer.\u00a0\u00a0&lt;\/p&gt;\n&lt;h3&gt;What to do if you need to change your life insurance policy later on&lt;\/h3&gt;\n&lt;p&gt;If your term life insurance policy has guaranteed level premiums, you\u2019re probably locked into that policy for the extent of coverage. If your needs change in the event that you paid off a mortgage or built up a great savings plan, you can get in touch with your insurance agent to discuss your options.&lt;\/p&gt;\n&lt;p&gt;If you end up needing more coverage due to having another child, purchasing a more expensive home, or your income increased, you might want to purchase a secondary term life policy with a different term length. We can help with that too!&lt;\/p&gt;\n&lt;h3&gt;How do I apply for term life insurance coverage?&lt;\/h3&gt;\n&lt;p&gt;&lt;strong&gt;Application for coverage&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;Like other types of life insurance, term insurance starts with an\u202fapplication for coverage\u202fwith an insurance company.\u202f Symmetry Financial Group works with more than 80 life insurance companies.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Make payments&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;Once your policy is in force with an insurance company, you\u202fpay monthly, quarterly or annual premiums\u202fto maintain coverage. If you pass away during the term, your chosen beneficiary will receive a death benefit.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Update your insurance coverage as needed&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;After the\u202fterm has ended,\u00a0it\u2019s\u00a0time to\u202fre-visit your needs. You can choose to part ways with your insurance company, extend coverage for a new term or convert your policy to permanent life insurance coverage.&lt;\/p&gt;\n&lt;h3&gt;Apply online for term life insurance with Symmetry&lt;\/h3&gt;\n&lt;p&gt;To apply for term life insurance, simply get reach out to a Symmetry Financial Group agent to get started.\u00a0In most cases, you won\u2019t need to undergo a medical exam to get coverage. The insurance company usually takes a few days to approve your policy, then you\u2019re all set! Once your policy is in force, you\u2019ll pay monthly premiums to keep the policy active. Enjoy peace of mind for years to come with term life insurance.&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;October 25, 2021&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/term-life\&quot;&gt;Term Life&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Term Life&quot;,&quot;slug&quot;:&quot;archive\/term-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:14,&quot;title&quot;:&quot;Beginner\u2019s Guide to Debt Free Life&quot;,&quot;description&quot;:&quot;With Debt Free Life , you\u2019ll be able to pay off your debt and build retirement savings \u2013 all by using the cash value of your life insurance policy.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/beginners-guide-to-debt-free-life\/&quot;,&quot;url_link&quot;:&quot;\/article\/beginners-guide-to-debt-free-life&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-DFL_20-08-17_Beginners-Guide-to-DFL_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;With the Debt Free Life program, you\u2019ll be able to pay off your debt and build up a retirement savings account \u2013 all by using the cash value of your life insurance policy. It\u2019s a simple way to eliminate debt without spending any additional money each month.&lt;\/p&gt;\n&lt;h3&gt;What is Debt Free Life?&lt;\/h3&gt;\n&lt;p&gt;Debt Free Life is a life insurance policy that utilizes the policy\u2019s cash value to pay off debts. Instead of borrowing from a traditional lender, you can use funds from within your life insurance policy to pay off debts one by one. Within an average of nine years or less, your debts will be paid off in full.&lt;\/p&gt;\n&lt;h3&gt;How does Debt Free Life work?&lt;\/h3&gt;\n&lt;p&gt;The Debt Free Life program is customized to your specific debts and your budget. Your certified Debt Free Life consultant will help you gather all the information you need to get started and present your customized debt payoff plan. Within this plan, you will get a timeline for when each of your debts will be paid off in full, and how much money you\u2019ll have in retirement savings by the time your debt is paid off. Even more, you will be able to see how much money you\u2019ll save over the years by not paying interest to lenders.&lt;\/p&gt;\n&lt;h3&gt;How much does it cost?&lt;\/h3&gt;\n&lt;p&gt;One of the best parts of the Debt Free Life program is that you won\u2019t be spending any additional money each month. Debt Free Life is a type of permanent life insurance policy, so you will go through the process of qualifying for life insurance coverage and maintaining premium payments to keep your policy in force. Since you are using the cash value of your life insurance policy, you won\u2019t be spending any additional money each month to pay off your debts.&lt;\/p&gt;\n&lt;h3&gt;How do I get started?&lt;\/h3&gt;\n&lt;p&gt;The first step to getting started with Debt Free Life is to schedule a consultation with a Debt Free Life certified consultant. They will then get to know y
16ou and help you list out all your debts that you want to pay off on a financial worksheet. You will also learn how to leverage your permanent life insurance policy and its cash value component to retire with tax-favored income.&lt;\/p&gt;\n&lt;p&gt;From there, you will get a report that illustrates when each debt will be paid off so you can see exactly how Debt Free Life will work for you. All the while, your loved ones will be protected with permanent life insurance coverage should anything happen to you.&lt;\/p&gt;\n&lt;h3&gt;How does the life insurance component work?&lt;\/h3&gt;\n&lt;p&gt;The Debt Free Life program utilizes the cash value of a permanent life insurance policy. Permanent life insurance offers a lifetime of protection rather than a set number of years. This policy would provide a death benefit to your chosen beneficiary when you pass away. In most cases, you will not need to undergo a medical exam to qualify for coverage.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Learn more about permanent life insurance policies and how they can benefit your family and finances.&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;How Debt Free Life is helping Symmetry clients&lt;\/h3&gt;\n&lt;p&gt;Many of our clients are well on their way to paying off their debts and boosting their retirement savings.&lt;\/p&gt;\n&lt;ul&gt;\n&lt;li&gt;For the Mesnick family, they were looking at 29 years before their debts would be paid off in full. With Debt Free Life, they will be debt-free in 2.8 years and will have paid off $70,640 in student loans.&lt;\/li&gt;\n&lt;li&gt;The Hughes family would take 27.5 years to finish paying off their debt, but with Debt Free Life they will be debt-free in just over 5.5 years. They are also on track to create $2,554,500 in retirement savings and pay off $44,500 in credit card debt and $48,840 in auto loans.&lt;\/li&gt;\n&lt;li&gt;The Moore family went from being in debt for 28 years to being on track to eliminate all their debt with the Debt Free Life program in 5.7 years. They will have created $612,100 in retirement wealth and saved $76,100 that would have gone towards interest.&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;How long does it take to become debt-free?&lt;\/h3&gt;\n&lt;p&gt;Debt Free Life helps you achieve financial freedom in an average of nine years or less and helps you grow your retirement savings. You\u2019ll also secure a permanent life insurance policy that can provide your loved ones with financial support should anything happen to you. It\u2019s a modern solution to eliminating debt, decreasing the amount of interest you pay to lenders, all while gaining the peace of mind and financial protection that life insurance offers.&lt;\/p&gt;\n&lt;h3&gt;Get on track to financial freedom with Debt Free Life&lt;\/h3&gt;\n&lt;p&gt;Want to learn more about Debt Free Life? Schedule a consultation with a Symmetry Financial Group agent today \u2013 they\u2019ll create a customized debt payoff plan and help you get on track to financial freedom.&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;\n&lt;p&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;August 12, 2021&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/debt-free-life\&quot;&gt;Debt Free Life\u00ae&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Debt Free Life\u00ae&quot;,&quot;slug&quot;:&quot;archive\/debt-free-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:15,&quot;title&quot;:&quot;Money-Saving Tips for New Homeowners&quot;,&quot;description&quot;:&quot;Here are some creative ways to save money as a new homeowner!&quot;,&quot;link&quot;:&quot;
16https:\/\/sfglife.com\/money-tips-new-homeowners\/&quot;,&quot;url_link&quot;:&quot;\/article\/money-tips-new-homeowners&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/MP-Money-Tips-New-Homeowners-Quility.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;You spent weeks (or months) searching for the perfect home at the right price and just signed off on your first mortgage.&lt;\/p&gt;\n&lt;p&gt;With your new house keys in hand, the potential for your new home seems endless. During this exciting time is the opportunity to find creative ways to save money as a new homeowner while making sure you\u2019re protecting your new investment.&lt;\/p&gt;\n&lt;h3&gt;Start a home repair emergency fund&lt;\/h3&gt;\n&lt;p&gt;Owning your home means more home repairs and no landlord to call to schedule maintenance. Since you\u2019re responsible for home repairs now, there\u2019s no better preparation plan than having money set aside in an emergency home repair fund. No matter whether you\u2019re able to set aside five dollars or $100 each month, every little bit will help.&lt;\/p&gt;\n&lt;h3&gt;Keep energy bills low&lt;\/h3&gt;\n&lt;p&gt;One of the major unexpected costs of new homeownership is the energy bill. If you\u2019re moving from an apartment to your first home, you\u2019ll likely be heating and cooling a larger space.&lt;\/p&gt;\n&lt;p&gt;Checking your insulation can help you lower energy costs throughout the year, whether you live in a very hot or cold climate. You may also consider investing in a smart thermostat, which can regulate the temperature of your home and help you save money over time.&lt;\/p&gt;\n&lt;p&gt;Making sure your home is energy efficient can help you save money over the years, opening your budget for more exciting home renovations.&lt;\/p&gt;\n&lt;h3&gt;Check for leaks and damage&lt;\/h3&gt;\n&lt;p&gt;A leaky faucet or a running toilet is not only a nuisance, but these small details can also affect your monthly budget. Keeping your plumbing in top shape goes with water conservation, which are two major ways you can save money over the years.&lt;\/p&gt;\n&lt;p&gt;When you move in, you will want to ensure that your plumbing, roof, flooring, and any outdoor structures in your home are up to code and functioning at their best to avoid costly expenses later.&lt;\/p&gt;\n&lt;h3&gt;Do it yourself!&lt;\/h3&gt;\n&lt;p&gt;Making minor repairs around your home on your own can save you thousands of dollars each year. With all the resources available online, you can find video tutorials and detailed instructions on many types of home repairs, from changing out your smoke detectors or installing a new appliance to ripping up carpets and installing new flooring.&lt;\/p&gt;\n&lt;p&gt;Keep in mind that DIY projects aren\u2019t always the best route for certain updates \u2013 such as electrical repairs \u2013 and you should always consult with a professional if you are uncertain.&lt;\/p&gt;\n&lt;h3&gt;Change your locks on your own&lt;\/h3&gt;\n&lt;p&gt;You never know how many copies of your housekey are out there when you move into your new home, so it\u2019s smart to change the locks as soon as you\u2019re able.&lt;\/p&gt;\n&lt;p&gt;Did you know that you can change your locks yourself in a few simple steps? Doing so will not only protect your budget from having to hire a handyman, but you will also gain peace of mind knowing your home and loved ones are protected.&lt;\/p&gt;\n&lt;p&gt;Speaking of protecting your loved ones, our final tip will ensure that your family is protected from life\u2019s unexpected circumstances outside of home security.&lt;\/p&gt;\n&lt;h3&gt;Protect everyone living in your home with mortgage protection insurance&lt;\/h3&gt;\n&lt;p&gt;For most of us, our home is our most valuable asset. While homeowner\u2019s insurance and regular maintenance and improvements can protect the value and qualify of your home, mortgage protection insurance can protect the people living there.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Mortgage protection insurance\u202fis a term life insurance policy that will step in and cover your mortgage payments if you are unable to pay the bills due to a disability, critical illness diagnosis, or death.&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;Mortgage protection insurance is one of the &lt;strong&gt;most affordable types of life insurance&lt;\/strong&gt; policies on the market today. Most people can qualify for coverage online in a few simple steps with 
16no need for a medical exam. The benefit of securing a policy while you\u2019re young and healthy is that you will get a low rate and you can customize your coverage to match your goals over time.&lt;\/p&gt;\n&lt;p&gt;You can also add riders to your policy that would cover certain critical illnesses, or you could add a return of premium rider that would provide a refund of the premiums you paid over the years if your policy went unused.&lt;\/p&gt;\n&lt;h3&gt;How to get a mortgage protection insurance policy online&lt;\/h3&gt;\n&lt;p&gt;Mortgage protection insurance starts with an application for coverage with an insurance company. To get started with your mortgage protection, reach out to a Symmetry Financial Group agent today!&lt;\/p&gt;\n&lt;p&gt;\u00a0&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;August 2, 2021&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/mortgage-protection\&quot;&gt;Mortgage Protection&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Mortgage Protection&quot;,&quot;slug&quot;:&quot;archive\/mortgage-protection&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:16,&quot;title&quot;:&quot;How To Get Mortgage Life Insurance&quot;,&quot;description&quot;:&quot;Mortgage life insurance\u202fis an affordable type of \u202fterm life insurance designed for homeowners.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/how-to-get-mortgage-life-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/how-to-get-mortgage-life-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-C-MP_21-06-02_How-to-Get-MLI_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;If you recently\u00a0bought\u00a0a home or refinanced your mortgage, you may be offered mortgage life insurance\u00a0to protect your\u00a0family and finances\u00a0in the event of\u00a0job loss, disability, or death.&lt;\/p&gt;\n&lt;p&gt;
16This type of life insurance is\u00a0a great\u00a0choice\u00a0for homeowners \u2013 if you just\u00a0bought\u00a0your first home or\u00a0you\u2019ve\u00a0been in the neighborhood for many years, mortgage life insurance can help you protect your loved ones\u00a0in the event of\u00a0unexpected\u00a0financial loss.&lt;\/p&gt;\n&lt;h3&gt;What is mortgage life insurance?&lt;\/h3&gt;\n&lt;p&gt;Mortgage life insurance, also known as mortgage protection insurance, is an affordable type of\u202fterm life insurance designed specifically for homeowners.&lt;\/p&gt;\n&lt;p&gt;A\u202fmortgage protection plan\u202ftypically lasts the same number of years \u2013 or \u201cterm\u201d \u2013 as your mortgage. Most people select a policy term length of 10-30 years. It\u2019s important to choose a coverage amount that would provide the money your loved ones need to carry on their lifestyle if you were no longer around to provide financial support.&lt;\/p&gt;\n&lt;p&gt;If you pass away while your policy is in force, your chosen beneficiary will receive a lump sum payment they can use to maintain mortgage payments or arrange for covering your end-of-life expenses. You can also purchase riders for your policy, which would offer\u00a0added\u00a0coverage\u00a0if\u00a0you\u00a0became\u00a0critically ill or disabled and cannot work.&lt;\/p&gt;\n&lt;h3&gt;Do I need mortgage life insurance?&lt;\/h3&gt;\n&lt;p&gt;If you have loved ones or financial dependents, you own a small business, or you carry any debt that would affect those you leave behind, you need life insurance.&lt;\/p&gt;\n&lt;p&gt;For homeowners, it\u2019s important to consider if your loved ones would be able to carry on financially if you were no longer around: If you were to pass away tomorrow, would your dependents be able to pay the bills? If you are unsure, or you know they would face financial difficulty, you need life insurance.&lt;\/p&gt;\n&lt;p&gt;Even if you don\u2019t have financial dependents, life insurance can offer benefits to help you secure your own peace of mind. If you would leave behind any debt from student loans, auto loans, or an outstanding mortgage, a mortgage life insurance policy can cover these expenses so your family won\u2019t face financial distress.&lt;\/p&gt;\n&lt;p&gt;The lump sum from your mortgage life policy can generally cover a wide range of unpaid debts if you were to pass away.&lt;\/p&gt;\n&lt;h3&gt;How does mortgage life insurance work?&lt;\/h3&gt;\n&lt;p&gt;&lt;strong&gt;Apply Online&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;Mortgage protection insurance starts with an application for coverage with an insurance company. Reach out to a Symmetry Financial Group agent to start your application.&lt;\/p&gt;\n&lt;p&gt;Once your application is approved, you make payments \u2013 also known as \u201cpremiums\u201d \u2013 to the insurance company. You must pay premiums on time to keep your policy in force. If you pass away during the term, your beneficiary will receive a lump sum payment.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Review Your Policy Every Year&lt;\/strong&gt;&lt;\/p&gt;\n&lt;p&gt;If you buy a new home, get married, or welcome a child, your insurance needs will change. It\u2019s important to review your coverage annually to make sure your loved ones are financially protected. If your mortgage protection term has ended, we can help you revisit your insurance needs.&lt;\/p&gt;\n&lt;h3&gt;Can I afford mortgage life insurance?&lt;\/h3&gt;\n&lt;p&gt;Mortgage life insurance is one of the most affordable policies available, as it only covers a specific term rather than a lifetime like a permanent life insurance policy. Your payment is based on your age and health at the time you apply for coverage, and your premium price will vary based on the coverage amount and term length you select.&lt;\/p&gt;\n&lt;p&gt;Most insurance companies offer mortgage protection insurance without requiring a medical exam, saving you time and money as you won\u2019t need to go to the doctor or deal with any needles or tests to qualify.&lt;\/p&gt;\n&lt;h3&gt;Talk to a Symmetry agent about mortgage life insurance today&lt;\/h3&gt;\n&lt;p&gt;If you are looking for affordable and reliable life insurance coverage to protect your loved one
16s, a mortgage life insurance policy could be the perfect fit. To find out more about how a mortgage protection policy can bring you peace of mind, reach out to a Symmetry Financial Group agent today.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;June 18, 2021&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/mortgage-protection\&quot;&gt;Mortgage Protection&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Mortgage Protection&quot;,&quot;slug&quot;:&quot;archive\/mortgage-protection&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:17,&quot;title&quot;:&quot;6 Benefits of Paying Off  Debt&quot;,&quot;description&quot;:&quot;Quility&#039;s Debt Free Life program can help you get out of debt for good.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/benefits-paying-off-debt\/&quot;,&quot;url_link&quot;:&quot;\/article\/benefits-paying-off-debt&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-C-DFL_20-11-24_Benefits-Of-Paying-Off-Debt_1920x1080-1.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Paying off debt requires a lot of hard work and motivation. For many, the ultimate goal when it comes to paying off debt is financial freedom. Beyond the accomplishment and confidence that comes with being debt free, there are several other benefits of getting rid of debt. We\u2019re covering a few of the positive benefits of being debt free and sharing how the Debt Free Life program can help you get out of debt for good.&lt;\/p&gt;\n&lt;h3&gt;Stress less&lt;\/h3&gt;\n&lt;p&gt;It\u2019s no surprise that carrying debt can cause stress. A study from the &lt;a href=\&quot;https:\/\/onlinelibrary.wiley.com\/doi\/abs\/10.1111\/j.1468-0297.2012.02519.x\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;University of Nottingham&lt;\/a&gt; found that individuals who struggle to pay off debts or loans are more than twice as likely to experience mental health problems, including depression and anxiety. As you might expect, paying off debt can have positive effects on your mental state, and can help you reduce your stress level over time.&lt;\/p&gt;\n&lt;h3&gt;Improve cognitive function&lt;\/h3&gt;\n&lt;p&gt;A 2017-study from &lt;a href=\&quot;https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC5641572\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;Frontiers in Psychology&lt;\/a&gt; references several studies showing that poverty \u2013 experienced in real life and in laboratory conditions \u2013 impaired people\u2019s attention span, memory, and self-control. Working to eliminate debt can improve your sense of self-control, knowing that you have the ability to change your financial circumstances.&lt;\/p&gt;\n&lt;h3&gt;Increase the possibility of longevity&lt;\/h3&gt;\n&lt;p&gt;The &lt;a href=\&quot;https:\/\/www.frbatlanta.org\/-\/media\/documents\/research\/publications\/wp\/2016\/14-killer-debt-the-impact-of-debt-on-mortality-2017-04-10.pdf\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;Federal Reserve Bank of Atlanta&lt;\/a&gt; published a recent study on how debt affects death rates. The study found that as people\u2019s credit rating improved, their risk of death decreased. A 100-point increase in credit risk (Equifax\u2019s equivalent of the FICO score) reduced the overall risk of death by 4.38%. Reducing your debt may not necessarily have a direct impact on your longevity, but this study is a nice reminder that eliminating debt has the potential to improve your life in many ways.&lt;\/p&gt;\n&lt;h3&gt;Teach your children good money habits &amp;amp; support their goals&lt;\/h3&gt;\n&lt;p&gt;If you have children, the efforts you make to pay off debt can be a good teaching tool to show them how to achieve financial success for themselves. Even more, without the burden of debt, you will be able to provide additional financial support for your loved one
16s \u2013 this could include a college fund for your children or purchasing life insurance with a cash value savings component that can set your children up for success later in life.&lt;\/p&gt;\n&lt;h3&gt;Improve your credit score&lt;\/h3&gt;\n&lt;p&gt;Credit card debt can have an especially negative impact on your credit score. When your credit card balance gets close to reaching the limit on your credit line, your score will be affected quickly. Paying off credit card debt is a good place to start your debt free journey, and this momentum can help you start paying down other loans when you\u2019ve eliminated your credit card debt.&lt;\/p&gt;\n&lt;h3&gt;Give back to others&lt;\/h3&gt;\n&lt;p&gt;Getting out of debt means that you will have money available for things that matter to you. You will now be able to provide financial support to a friend or family member if they need a helping hand.&lt;br \/&gt;In addition to helping people you know, being debt-free allows you the opportunity to give back to charities or non-profits you\u2019re passionate about. Supporting a good cause is a great way to increase your happiness while making the world a better place.&lt;\/p&gt;\n&lt;h3&gt;How Debt Free Life can help&lt;\/h3&gt;\n&lt;p&gt;If you\u2019re looking for a way to pay off debt for good with a customized plan to fit your budget, Debt Free Life can help. Debt Free Life is a program that uses the cash value of a permanent life insurance policy to pay off debts. Instead of borrowing from a bank and paying interest, you can use funds from within your policy. The program is customized for your specific budget and debts, including credit card debt, mortgages, student loans and auto loans.&lt;\/p&gt;\n&lt;h3&gt;Schedule a consultation to learn more about Debt Free Life&lt;\/h3&gt;\n&lt;p&gt;During your consultation, your Symmetry Financial Group agent will present your personalized debt payoff plan so you can see when your debts will be paid off. You will also see how much money you can have in retirement savings at the end of the program plus how much money you will save in interest over the years.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;December 12, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/debt-free-life\&quot;&gt;Debt Free Life\u00ae&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Debt Free Life\u00ae&quot;,&quot;slug&quot;:&quot;archive\/debt-free-life&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:18,&quot;title&quot;:&quot;Life Insurance vs. an Annuity: What\u2019s the Difference?&quot;,&quot;description&quot;:&quot;We highlight key differences between life insurance and annuities to determine which\u00a0one might be a good fit for you.\u00a0\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/life-insurance-vs-annuity\/&quot;,&quot;url_link&quot;:&quot;\/article\/life-insurance-vs-annuity&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-R_20-08-13_LI-vs-Annuity_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;While annuities and life insurance policies have similar structures, they\u2019re fairly different in how they work.&lt;\/p&gt;\n&lt;p&gt;Before you decide which\u00a0option\u00a0is best for your needs,\u00a0it\u2019s\u00a0important to have your financial goals in mind \u2013 do you want to ensure your children are financially protected if something were to happen to you? Are you interested in building a retirement savings plan with security and guarantees? Read on to learn about some key differences between life insurance and annuities to determine which\u00a0option\u00a0might be a good fit for you.&lt;\/p&gt;\n&lt;h3&gt;
16Life insurance protects your loved ones&lt;\/h3&gt;\n&lt;p&gt;Life insurance plans, such as term life or permanent life insurance, provide income to your chosen beneficiary if you pass away while the policy is in force. The primary benefit of life insurance is that your loved ones will have funds to cover costs related to your passing as well as money to continue paying the mortgage, monthly bills, and possibly cover expenses such as a college education.&lt;\/p&gt;\n&lt;p&gt;The death benefit your loved ones receive is tax-free, which is a great advantage to life insurance. Some life insurance plans offer additional benefits such as a cash value component that acts as a savings plan within the policy. These aren\u2019t as technical as an annuity but can help you build up some savings to use to pay off debt, cover expenses, or use as income during retirement.&lt;\/p&gt;\n&lt;h3&gt;\u00a0An annuity\u00a0provides\u00a0a guaranteed retirement income stream&lt;\/h3&gt;\n&lt;p&gt;An annuity is a contract between a company and an individual in which the company agrees to provide the individual with regular payments when the contract is \u201cannuitized.\u201d Most people purchase an annuity to safeguard their financial future during retirement.&lt;\/p&gt;\n&lt;p&gt;Annuities provide tax-deferred savings as guaranteed income in retirement. Similar to life insurance, an annuity provides a death benefit to a beneficiary, but the death benefit is not tax-free. Annuities are generally classified as deferred or immediate, depending on when you choose to start receiving income.&lt;\/p&gt;\n&lt;p&gt;A &lt;strong&gt;deferred annuity&lt;\/strong&gt; provides income later in life; income is deferred until premiums are paid several years later. When you choose a deferred annuity, you\u2019ll also choose whether you want a fixed or variable annuity. Your choice between the two depends on if you want to make a safe investment or jump into the market with the opportunity for growth potential.&lt;\/p&gt;\n&lt;p&gt;An &lt;strong&gt;immediate annuity&lt;\/strong&gt; begins paying income immediately \u2013 no later than one year after you start paying premiums. Most people purchase an immediate annuity with a lump sum and schedule out regular payments over several years.&lt;\/p&gt;\n&lt;h3&gt;Life insurance vs. annuities&lt;\/h3&gt;\n&lt;p&gt;Life insurance provides a death benefit to your chosen beneficiaries in the event that you pass away or become critically ill or disabled. An annuity is a retirement savings solution that is primarily used to grow funds that can provide scheduled payouts during retirement.&lt;\/p&gt;\n&lt;p&gt;While an annuity&#039;s cash value accumulates tax-deferred, this is only true for specific life insurance policies (mostly whole life insurance plans).&lt;\/p&gt;\n&lt;h3&gt;How to choose between life insurance and an annuity&lt;\/h3&gt;\n&lt;p&gt;The key to choosing between life insurance or an annuity is to think about your goals. If you primarily want to have financial protection for your loved ones if something happened to you, then a product like term life insurance is a great choice. If your goal is to start saving for retirement, an annuity is a perfect fit.&lt;\/p&gt;\n&lt;h3&gt;Connect with a Symmetry Financial Group agent for a customized plan&lt;\/h3&gt;\n&lt;p&gt;If you are interested in purchasing an annuity, our team of is here to help you take the next steps \u2013 reach out to us today!&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 29, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/retirement-solutions\&quot;&gt;Retirement Solutions&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Retirement Solutions&quot;,&quot;slug&quot;:&quot;archive\/retirement-solutions&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:19,&quot;title&quot;:&quot;
16Benefits of Using Annuities for Retirement&quot;,&quot;description&quot;:&quot;It\u2019s never too early to start saving for the retirement of your dreams!&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/benefits-of-using-annuities-for-retirement\/&quot;,&quot;url_link&quot;:&quot;\/article\/benefits-of-using-annuities-for-retirement&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-R_20-06-24_Using-Annuites-for-Retirement_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Whether you are already planning for retirement or your working years have just begun, it\u2019s never too early to start saving for the retirement of your dreams. Read on to learn more about the importance of saving for retirement early, and how annuities can help you reach your goals.&lt;\/p&gt;\n&lt;h3&gt;Limitations of\u00a0traditional\u00a0retirement\u00a0plans&lt;\/h3&gt;\n&lt;p&gt;Unlike the traditional pension plans of the past, retirement savings plans have adapted to the market and provide more long-term security. Relying on Social Security as your grandparents might have done could mean that you won\u2019t have enough money to pay for your ideal retirement when the time comes. Even more, investing in traditional retirement accounts, which are technically safe against loss of principal, have very limited growth potential.&lt;\/p&gt;\n&lt;p&gt;Instead of relying on these techniques, your insurance agent can help you start saving for retirement with an annuity.\u00a0When you choose a retirement savings vehicle that is designed to protect your retirement income and assets, you won\u2019t have to worry about market gain or loss.&lt;\/p&gt;\n&lt;h3&gt;How annuities work&lt;\/h3&gt;\n&lt;p&gt;When you purchase an annuity, you make contributions to your account over many years, as you would with any investment plan. During the accumulation phase, the funds you pay into your annuity grow tax-deferred, so any taxes that you owe on the growth of the account won\u2019t be due until you start taking money out of the account.&lt;\/p&gt;\n&lt;p&gt;Since most people invest in an annuity during their working years, they are generally in a lower tax bracket once they enter retirement than they were when they purchased the annuity. This means that once they pull money from the annuity, in many cases the account will not be taxed as heavily.&lt;\/p&gt;\n&lt;p&gt;When you are ready to take money out of your\u00a0plan, you \u201cannuitize\u201d your contract.\u00a0Then your annuity will provide a regular income stream\u00a0-\u00a0money that\u00a0you can use however you wish.&lt;\/p&gt;\n&lt;h3&gt;When to\u00a0purchase an\u00a0annuity&lt;\/h3&gt;\n&lt;p&gt;We recommend purchasing an annuity before you reach retirement age. Some annuities come with surrender charges over a period of years, so you will want to make sure you know how long you have to pay into the annuity before you can withdraw money (this could affect when you can access your funds in retirement).&lt;\/p&gt;\n&lt;h3&gt;Why\u00a0you\u00a0should\u00a0use\u00a0insurance\u00a0products for\u00a0retirement\u00a0savings&lt;\/h3&gt;\n&lt;p&gt;When you use an annuity for a portion of your retirement savings plan, you create a guaranteed income stream that will ideally last through your retirement years. Knowing you will have a fixed amount of income available every month can provide peace of mind and financial confidence so you can enjoy a worry-free retirement.&lt;\/p&gt;\n&lt;h3&gt;Purchase an annuity with the support of a Symmetry agent&lt;\/h3&gt;\n&lt;p&gt;Unlike other investment options\u00a0like a 401(k), annuities can give you peace of mind before and during retirement.\u00a0You won\u2019t have to worry about\u00a0stock market\u00a0performance, and you can enjoy the security of knowing your nest egg is protected.&lt;\/p&gt;\n&lt;p&gt;If you are ready to learn more about how an annuity can help you achieve your dream retirement, connect with a licensed Symmetry Financial Group agent today. They\u2019ll help you find the best retirement savings option for your budget and needs, securing your new annuity in just a few simple steps.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 22, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:&quot;Life Insurance&quot;,&quot;cat_link&quot;:&quot;life-insurance&quot;,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/retirement-solutions\&quot;&gt;Retirement Solutions&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;},{&quot;name&quot;:&quot;Retirement Solutions&quot;,&quot;slug&quot;:&quot;archive\/retirement-solutions&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:20,&quot;title&quot;:&quot;Final Expense Insurance 101: What You Need to Know&quot;,&quot;description&quot;:&quot;
16Learn how a policy works and how it can give your loved ones financial protection later on.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/final-expense-insurance-101\/&quot;,&quot;url_link&quot;:&quot;\/article\/final-expense-insurance-101&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-WS-C-FE_20-08-27_FE-101-What-You-Need-to-Know_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Final expense insurance is a permanent life insurance policy that is designed to pay off costs associated with end-of-life expenses. Learn more about how a policy works, and how it can provide your loved ones with financial protection later on. Working with a Symmetry Financial Group agent can help you discover the benefit of investing in a final expense policy.&lt;\/p&gt;\n&lt;h3&gt;What is final expense insurance?&lt;\/h3&gt;\n&lt;p&gt;Final expense insurance provides a payout when you pass away that your loved ones can use to cover the cost of your funeral, pay medical bills, or pay off debts. Having this insurance takes the pressure off your loved ones so they won\u2019t face a financial hardship covering costs related to your burial and any medical bills you may leave behind.&lt;\/p&gt;\n&lt;h3&gt;Funeral and burial costs: what to expect&lt;\/h3&gt;\n&lt;p&gt;Funeral and burial costs have been on the rise for decades. The median cost of a funeral with viewing and burial in 2019 was $7,640. Most cemeteries require a vault, which brings the average cost to $9,135. This average excludes other common expenses such as a monument, marker, obituary or flowers.&lt;\/p&gt;\n&lt;p&gt;A person in good health in their late 50\u2019s could pay as little as $20\/month for their final expense policy. Pricing varies based on the insurance company, so the best way to find a final expense policy that\u2019s a good fit for you is to\u202fconnect with an insurance agent who can walk you through the process and shop around to find a good rate.&lt;\/p&gt;\n&lt;h3&gt;How does final expense insurance work?&lt;\/h3&gt;\n&lt;p&gt;When you choose a final expense policy that meets your needs, you will fill out an application with the life insurance company to qualify for coverage. In most cases, you will not need to take a medical exam to qualify for coverage. Then you will pay monthly or annual premiums to keep your policy in force. If your premiums are maintained, your policy stays in force until you pass away. At that time, your beneficiary will receive the death benefit.&lt;\/p&gt;\n&lt;p&gt;When you purchase your policy, you will need to choose a beneficiary. This is the person who will receive the death benefit of your policy and decide how that money is distributed. Most people choose someone they trust \u2013 often a partner, spouse, child, or other family members - to finalize their estate and ensure funds are spent properly.&lt;\/p&gt;\n&lt;h3&gt;What are the benefits of choosing final expense insurance?&lt;\/h3&gt;\n&lt;p&gt;Getting final expense insurance is usually a straightforward process and most people will qualify for coverage. Final expense offers some unique benefits that you may not get with other types of life insurance.&lt;\/p&gt;\n&lt;p&gt;&lt;strong&gt;Benefits of final expense insurance can include:\u202f\u202f\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;ul&gt;\n \t&lt;li&gt;An option to choose the frequency of your premium payments (monthly or annual)&lt;\/li&gt;\n \t&lt;li&gt;Affordable rates, and stable premiums throughout the life of your policy&lt;\/li&gt;\n \t&lt;li&gt;Payout beyond age 100&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;h3&gt;Get a final expense insurance policy in place with support from Symmetry&lt;\/h3&gt;\n&lt;p&gt;Final expense insurance guarantees that your loved ones are financially prepared for covering your end-of-life and funeral expenses. This takes the burden off them during an already difficult time.&lt;\/p&gt;\n&lt;p&gt;If you want to learn more about your options for final expense insurance, schedule a consultation with a licensed Symmetry Financial Group agent to get a plan in place. Our agents shop around to find your best-fit plan, so you can secure a policy in just a few simple steps.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 20, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/final-expense\&quot;&gt;Final Expense&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Final Expense&quot;,&quot;slug&quot;:&quot;archive\/final-expense&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:21,&quot;title&quot;:&quot;Pros and Cons of Final Expense Insurance&quot;,&quot;description&quot;:&quot;
16Final expense insurance can help you protect your loved ones from facing costly funeral expenses.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/pros-and-cons-of-final-expense-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/pros-and-cons-of-final-expense-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-FE_20-06-25_Pros-Cons-FE-Insurance_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;When you\u2019re young, you may get life insurance coverage to protect your mortgage payments, to provide financial stability for a certain stage of life or to safeguard your ability to earn an income. But when you reach an age when you no longer have dependents or believe you would leave behind a significant financial burden, you can still plan ahead to prevent your loved ones from having to pay your funeral or burial expenses.&lt;\/p&gt;\n&lt;p&gt;Final expense insurance can help you protect against costly funeral expenses and give you peace of mind knowing that your family would have funds to cover your end-of-life expenses. To learn more about final expense products, reach out to a Symmetry Financial Group agent today!&lt;\/p&gt;\n&lt;h3&gt;What is final expense insurance?&lt;\/h3&gt;\n&lt;p&gt;Final expense insurance is a whole life insurance policy designed to cover end-of-life expenses. Your end-of-life expenses could include the cost of your funeral or burial, as well as any recurring or future expenses that your family might face after your passing.&lt;\/p&gt;\n&lt;p&gt;This type of life insurance is generally recommended for those ages 50-80 but is also suitable for middle-aged individuals who are planning for their retirement or preparing their estate. Like other types of life insurance, final expense premiums are based on the age and health of the insured.&lt;\/p&gt;\n&lt;p&gt;However, final expense insurance is generally considered affordable \u2013 plans can cost just $20\/month.&lt;\/p&gt;\n&lt;h3&gt;Pros of final expense insurance&lt;\/h3&gt;\n&lt;h4&gt;Guaranteed death benefit&lt;\/h4&gt;\n&lt;p&gt;Final expense insurance\u00a0(a whole life insurance\u00a0policy)\u00a0is a type of\u00a0permanent life insurance. Permanent life insurance policies do not expire, meaning that your family is guaranteed a death benefit. Death benefits for final expense insurance plans can even be paid out after age 100.&lt;\/p&gt;\n&lt;h4&gt;Affordable plans&lt;\/h4&gt;\n&lt;p&gt;Final expense insurance is generally affordable, and it can be even more affordable to start your plan sooner rather than later. If you are in your late 50&#039;s and in excellent health, you will pay around $20\/month. However, if you are over 65 and have a medical condition, your premium rate might be more expensive.&lt;\/p&gt;\n&lt;h4&gt;No medical exams&lt;\/h4&gt;\n&lt;p&gt;Most insurance companies that offer final expense insurance do not require a medical exam in order to qualify for coverage. Quility works with 80+ trusted insurance companies to ensure that you get the best-fit plan. Our licensed agents can shop on your behalf to help you find a final expense policy with low premiums and no medical exams \u2013 all while still satisfying your financial goals.&lt;\/p&gt;\n&lt;h4&gt;Stable premiums&lt;\/h4&gt;\n&lt;p&gt;Final expense premiums remain the same throughout your policy. This means that you pay the same amount of money each month or year to keep your policy active. If you maintain your payments, your beneficiary will receive a lump sum death benefit when you die.&lt;\/p&gt;\n&lt;h4&gt;Peace of mind for your family&lt;\/h4&gt;\n&lt;p&gt;The greatest benefit that comes with a final expense insurance policy is knowing that you have planned ahead for your family\u2019s peace of mind. Last year, the median price for full funeral and burial was over $9,000. Final expense insurance ensures that your loved ones are prepared to cover the cost of your funeral or burial, and they\u2019ll never have to worry about how they\u2019ll pay for it.&lt;\/p&gt;\n&lt;h3&gt;Cons of final expense insurance&lt;\/h3&gt;\n&lt;h4&gt;Smaller\u00a0payout\u00a0than other whole life insurance policies&lt;\/h4&gt;\n&lt;p&gt;Final expense insurance is just like it sounds \u2013 life insurance designed to cover your final expenses. With that comes a smaller death benefit (usually between $5,000-$25,000) compared to whole life insurance policies.&lt;\/p&gt;\n&lt;p&gt;If you are looking for a life insurance policy to cover just your final arrangements, then final expense insurance is right for you. However, if your beneficiaries would require additional financial support after you die, you may consider a different life insurance policy that better suits your family\u2019s needs.&lt;\/p&gt;\n&lt;h4&gt;Can be used for anything&lt;\/h4&gt;\n&lt;p&gt;Even though your final expense insurance policy is designed to cover your final expenses, your beneficiary\u00a0is\u00a0not\u00a0required\u00a0to\u00a0do so. However, some funeral homes can be named your primary beneficiary\u00a0if you\u00a0prefer\u00a0to send the money directly to your chosen funeral home as opposed to a loved one.&lt;\/p&gt;\n&lt;h3&gt;Ready to get final expense insurance?&lt;\/h3&gt;\n&lt;p&gt;
16At Symmetry, we understand that protecting your loved ones is your top priority but that it can also be difficult to plan your final expenses. Our licensed insurance agents are here to help you every step of the way.&lt;\/p&gt;\n&lt;p&gt;You\u2019ll never regret financially preparing for your family\u2019s peace of mind \u2013 let&#039;s put together a plan and get a policy in place today. Connect with a licensed Symmetry Financial Group agent to learn more about how final expense insurance can work for you.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 17, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/final-expense\&quot;&gt;Final Expense&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Final Expense&quot;,&quot;slug&quot;:&quot;archive\/final-expense&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:22,&quot;title&quot;:&quot;10 Causes of Disability [and How Disability Insurance Can Protect Your Income]&quot;,&quot;description&quot;:&quot;Having disability insurance can make all the difference for your finances.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/causes-of-disabilities\/&quot;,&quot;url_link&quot;:&quot;\/article\/causes-of-disabilities&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-D_20-06-25_10-Causes-Of-Disabilities_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Living with a disability is both physically and emotionally stressful, and in many cases can be very costly.&lt;\/p&gt;\n&lt;p&gt;A 2018 &lt;a href=\&quot;https:\/\/disabilitycompendium.org\/sites\/default\/files\/user-uploads\/Annual_Report_2018_Accessible_AdobeReaderFriendly.pdf\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;report by the Institute on Disability&lt;\/a&gt; found that the median annual earnings of people with disabilities in the US ages 18-64 who worked full-time was $40,353, while the median earnings of people without disabilities who worked full-time was $45,449. This is a significant earnings gap, especially for people who need this income to support their families.&lt;\/p&gt;\n&lt;p&gt;None of us know when\u00a0we will face an unexpected diagnosis or face an injury that leaves us unable to work. Having disability insurance can make all the difference if you were to get injured or face one of the following conditions that are considered disabilities. Read on to learn more about the ten most common causes of disabilities in the United States.&lt;\/p&gt;\n&lt;h3&gt;Top 10 causes of disabilities in the United States&lt;\/h3&gt;\n&lt;h4&gt;Arthritis and musculoskeletal problems&lt;\/h4&gt;\n&lt;p&gt;Arthritis is a common condition that causes swelling and tenderness in the joints.\u00a0Having arthritis can affect your ability to perform\u00a0sedentary\u00a0or physical labor \u2013 it can often result in chronic pain, inability to perform daily activities, and can cause permanent joint changes.\u00a0When arthritis and other musculoskeletal issues\u00a0affect your well-being,\u00a0your ability to perform your normal job duties could be affected.&lt;\/p&gt;\n&lt;h4&gt;Cancer&lt;\/h4&gt;\n&lt;p&gt;A cancer diagnosis can turn your life upside down, often leaving you unable to perform your work in your best condition. Additionally, medical treatment can be very expensive. Having a financial plan in place if you were to receive a cancer diagnosis could make all the difference so you can focus on getting better.&lt;\/p&gt;\n&lt;h4&gt;Diabetes&lt;\/h4&gt;\n&lt;p&gt;There are many types of diabetes diagnoses.\u00a0Overall, this condition is the result of\u00a0high levels\u00a0of blood glucose in the system and the body\u2019s inability to process sugars correctly.\u00a0The\u00a0American Diabetes Association\u00a0states that &lt;a href=\&quot;https:\/\/www.diabetes.org\/resources\/statistics\/statistics-about-diabetes\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;1.5 million Americans&lt;\/a&gt; are diagnosed with diabetes every year.&lt;\/p&gt;\n&lt;p&gt;While manageable in some cases, many people with diabetes struggle with the medical costs involved. Are you prepared to cover these costs in the event you are diagnosed with diabetes?&lt;\/p&gt;\n&lt;h4&gt;Heart disease&lt;\/h4&gt;\n&lt;p&gt;According to the American Heart Association, cardiovascular disease &lt;a href=\&quot;
16https:\/\/healthmetrics.heart.org\/wp-content\/uploads\/2019\/02\/At-A-Glance-Heart-Disease-and-Stroke-Statistics-%E2%80%93-2019.pdf\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;claim more lives each year&lt;\/a&gt; than all forms of cancer and chronic lower respiratory disease combined. In addition, it is the leading global cause of death, accounting for over 17 million deaths per year in 2016. This serious condition affects the lives of so many people, and medical treatment can come at a hefty cost.&lt;\/p&gt;\n&lt;h4&gt;Workplace injuries\/accidents&lt;\/h4&gt;\n&lt;p&gt;The National Safety Council reports that a worker is injured on the job &lt;a href=\&quot;https:\/\/www.nsc.org\/work-safety\/tools-resources\/infographics\/workplace-injuries\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;every seven seconds&lt;\/a&gt;. Workplace injuries are most common in service jobs, transportation, manufacturing, installation and construction sites. However, a workplace injury can happen at any moment. Additionally, injuries sustained in other accidents at home or on the road are applicable as a short-term disability.&lt;\/p&gt;\n&lt;h4&gt;Lung or respiratory problems&lt;\/h4&gt;\n&lt;p&gt;Emphysema (COPD)\u00a0and other lung ailments are a common reason to file for disability benefits. These conditions make it\u00a0very difficult\u00a0to perform daily tasks and can have an impact on your ability to make an income.&lt;\/p&gt;\n&lt;h4&gt;Mental illness, including depression&lt;\/h4&gt;\n&lt;p&gt;Mental health conditions, including depression, can be just as disabling as physical health conditions. The National Alliance on Mental Illness states that approximately &lt;a href=\&quot;https:\/\/www.nami.org\/mhstats\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;one in five adults&lt;\/a&gt; in the United States experience a mental illness each year. Mental conditions including bipolar disorder, depression, post-traumatic stress disorder and others affect so many people in our country, and these conditions are generally covered as a disability.&lt;\/p&gt;\n&lt;h4&gt;Nervous system disorders&lt;\/h4&gt;\n&lt;p&gt;Multiple Sclerosis, Alzheimer\u2019s, Parkinson&#039;s, Epilepsy, and other conditions that affect the brain and nerves are common and can affect people of all ages. The Alzheimer\u2019s Association reports that &lt;a href=\&quot;https:\/\/www.alz.org\/alzheimers-dementia\/facts-figures\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;5.8 million Americans&lt;\/a&gt;\u00a0are living with Alzheimer\u2019s, and this number is projected to rise to 14 million by 2050.&lt;\/p&gt;\n&lt;p&gt;Nervous system disorders are not only debilitating in many cases, they also present long-term medical costs that can put a heavy financial strain on families and loved ones.&lt;\/p&gt;\n&lt;h4&gt;Pregnancy&lt;\/h4&gt;\n&lt;p&gt;While most people don&#039;t associate pregnancy with disability, many employers often provide short-term disability benefits for employees who face complications during pregnancy.&lt;\/p&gt;\n&lt;p&gt;As a pregnant mom, you could receive up to four weeks of disability insurance before your expected due date in certain circumstances. If serious complications arise, you might end up needing more long-term benefits.&lt;\/p&gt;\n&lt;h4&gt;Stroke&lt;\/h4&gt;\n&lt;p&gt;Someone in the United States has a stroke &lt;a href=\&quot;https:\/\/professional.heart.org\/idc\/groups\/ahamah-public\/@wcm\/@sop\/@smd\/documents\/downloadable\/ucm_503396.pdf\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;every 40 seconds&lt;\/a&gt; on average, and while considered separate from other cardiovascular diseases, stroke ranks among the top five causes of death in the United States. The effects of a stroke can range from very mild to life-altering. Depending on the severity, after a stroke, the victim may not be able to work again, at least in the short-term.&lt;\/p&gt;\n&lt;h3&gt;Disability insurance can financially support you and your loved one
16s&lt;\/h3&gt;\n&lt;p&gt;Disability insurance can safeguard you and your loved ones in the event you experience one of the medical conditions listed above. This insurance can replace a major portion of your income if you are unable to work due to a disability listed in your policy. With this extra money, you and your loved ones will be able to continue to pay your rent or mortgage so you can focus on getting better.&lt;\/p&gt;\n&lt;p&gt;We are happy to help you get the most out of your disability insurance coverage at the most affordable rate. &lt;strong&gt;Connect with a licensed Symmetry Financial Group agent to learn more about disability insurance and get a plan in place today.&lt;\/strong&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 12, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/disability-critical-illness\&quot;&gt;Disability &amp;amp;amp; Critical Illness&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Disability &amp;amp; Critical Illness&quot;,&quot;slug&quot;:&quot;archive\/disability-critical-illness&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:23,&quot;title&quot;:&quot;3 Reasons Why You Need Critical Illness Insurance&quot;,&quot;description&quot;:&quot;Critical illness insurance can provide financial protection in the event you are diagnosed with a serious health issue later in life.&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/3-reasons-need-critical-illness-insurance\/&quot;,&quot;url_link&quot;:&quot;\/article\/3-reasons-need-critical-illness-insurance&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-CI_20-06-25_Reasons-Why-You-Need-CI_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;Even if you are young and healthy, critical illness insurance can provide financial protection in the event you are diagnosed with a serious health issue later in life.&lt;\/p&gt;\n&lt;p&gt;Critical illness insurance can give you peace of mind knowing that you can have financial support to recover from your illness, support your family as you undergo any medical treatment needed, and use any remaining funds as you wish. &lt;strong&gt;Talking with a Symmetry Financial Group agent can get you started in finding the right product that will keep you covered in the case of an unexpected diagnosis.\u00a0&lt;\/strong&gt;&lt;\/p&gt;\n&lt;h3&gt;Relieve financial stress from lost wages&lt;\/h3&gt;\n&lt;p&gt;If you experience a sudden heart attack or stroke, receive a cancer diagnosis, or face serious health issues, you might lose the ability to go to work and earn an income. This will lead to lost wages, and combined with any medical bills you may face, your emergency savings can dwindle very quickly.&lt;\/p&gt;\n&lt;p&gt;Critical illness insurance provides a lump sum of cash benefits that you can use to help make ends meet while you are recovering. You can use the policy benefits to cover your mortgage payments, utility bills, medical bills and more.&lt;\/p&gt;\n&lt;h3&gt;Pay for medical bills&lt;\/h3&gt;\n&lt;p&gt;Did you know that medical bills are one of the biggest factors that cause of bankruptcy in the United States? A report from the Kaiser Family Foundation\/New York Times Medical Bills Survey reported that debt from medical treatments caused &lt;a href=\&quot;https:\/\/www.kff.org\/report-section\/the-burden-of-medical-debt-section-3-consequences-of-medical-bill-problems\/\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;one million adults&lt;\/a&gt; to declare bankruptcy in 2015. Additionally, the\u00a0 study found that 26% of Americans struggled to pay their medical bills, and as a result, around 60% of people had difficulty paying other bills as a result of their medical debt.&lt;\/p&gt;\n&lt;p&gt;On top of the physical and emotional stress\u00a0that comes with any diagnosis, adding on financial stress can make this situation even harder. That is 
16where critical illness insurance comes in \u2013 having a lump sum of cash to cover\u00a0these payments can\u00a0provide\u00a0much needed relief.\u00a0You can also use this sum to pay for treatments that your health insurance wouldn\u2019t\u00a0cover, such as experimental treatments.&lt;\/p&gt;\n&lt;h3&gt;Protect your future&lt;\/h3&gt;\n&lt;p&gt;Critical illness insurance helps you protect your future to ensure that you are prepared for whatever life brings. Having this insurance throughout your lifetime can give you peace of mind knowing that you and your loved ones will be financially protected if the unexpected were to happen.&lt;\/p&gt;\n&lt;h3&gt;Get critical illness insurance with Symmetry in a few simple steps&lt;\/h3&gt;\n&lt;p&gt;If you\u2019d like more information about critical illness insurance, a licensed insurance agent is just a click away. If you are ready to get coverage now, our agents can shop around from more than 80 of the top insurance companies to help you find the most affordable and comprehensive plan available. &lt;strong&gt;Connect with a licensed Symmetry Financial Group agent today to get started!&lt;\/strong&gt;&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 8, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/disability-critical-illness\&quot;&gt;Disability &amp;amp;amp; Critical Illness&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Disability &amp;amp; Critical Illness&quot;,&quot;slug&quot;:&quot;archive\/disability-critical-illness&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null},{&quot;id&quot;:24,&quot;title&quot;:&quot;Will I Qualify for Life Insurance if I Have a Critical Illness?&quot;,&quot;description&quot;:&quot;We explain how critical illness insurance works, the likelihood of becoming critically ill, and how critical illnesses can affect your chances of getting coverage.\u00a0\u00a0&quot;,&quot;link&quot;:&quot;https:\/\/sfglife.com\/will-i-qualify-for-life-insurance-if-i-have-a-critical-illness\/&quot;,&quot;url_link&quot;:&quot;\/article\/will-i-qualify-for-life-insurance-if-i-have-a-critical-illness&quot;,&quot;image&quot;:&quot;https:\/\/sfglife.com\/wp-content\/uploads\/2026\/02\/Q-BL-SM-P-CI_20-06-05_Qualifying-for-LI-with-Critical_Illness_1920x1080.webp&quot;,&quot;image_alt&quot;:&quot;&quot;,&quot;readtime&quot;:null,&quot;content&quot;:&quot;&lt;p&gt;If you have been diagnosed with a critical illness, you might be wondering how your health will affect your insurance plans. Alternatively, if you are healthy now but you\u2019re unsure if you will ever need critical illness insurance, you might wonder how this type of policy works if you were to receive a critical illness diagnosis.&lt;\/p&gt;\n&lt;p&gt;In this article, we explain how critical illness insurance works, the likelihood of becoming critically ill, and how critical illnesses can affect your chances of getting life insurance coverage. Speaking with a Symmetry Financial Group agent can help you achieve peace of mind when you face an unexpected diagnosis.&lt;\/p&gt;\n&lt;h3&gt;What types of conditions are considered a critical illness?&lt;\/h3&gt;\n&lt;p&gt;A critical illness is a significant health event that requires critical care or continual treatment and recovery. This includes conditions such as cancer, heart attack, stroke, and kidney failure. Certain insurance carriers will also cover conditions or procedures such as a heart transplant or coronary bypass surgery.&lt;\/p&gt;\n&lt;p&gt;None of us can predict if we will be diagnosed with a critical illness. According to the American Cancer Society, there will be an estimated &lt;a href=\&quot;https:\/\/www.cancer.org\/research\/cancer-facts-statistics\/all-cancer-facts-figures\/cancer-facts-figures-2020.html\&quot; rel=\&quot;noopener noreferrer\&quot; target=\&quot;_blank\&quot;&gt;1.8 million&lt;\/a&gt;
16 new cancer cases diagnosed in 2020, and 606,520 cancer deaths in the United States.&lt;\/p&gt;\n&lt;p&gt;Critical illness insurance can help you prepare for any changes in your health by providing financial protection during uncertain times.&lt;\/p&gt;\n&lt;h3&gt;What is critical illness insurance?&lt;\/h3&gt;\n&lt;p&gt;Critical illness insurance is life insurance coverage that will pay out a benefit as a lump sum to help you cover the costs of medical treatments and lost wages after a critical illness diagnosis covered in the policy.&lt;\/p&gt;\n&lt;p&gt;You apply for coverage when you are healthy, then pay policy premiums to the insurance company. If you are diagnosed with a critical illness that is covered under your policy, the insurance company will pay you a lump sum cash benefit.&lt;\/p&gt;\n&lt;h3&gt;Can I get critical illness insurance after I have been diagnosed?&lt;\/h3&gt;\n&lt;p&gt;Unfortunately, you will need to secure coverage before a diagnosis in order to qualify. Waiting to apply for coverage until you&#039;ve been diagnosed with a critical illness means that your insurance carrier won\u2019t cover that illness or health event.&lt;\/p&gt;\n&lt;p&gt;However, if you have previously been diagnosed with a critical illness that has been treated and has not returned, you may still qualify for coverage.&lt;\/p&gt;\n&lt;p&gt;Don&#039;t let a past or current critical illness keep you from trying to get life insurance coverage \u2013 many carriers will offer coverage for individuals with a previous critical illness diagnosis.&lt;\/p&gt;\n&lt;h3&gt;What about life insurance?&lt;\/h3&gt;\n&lt;p&gt;If you have a critical illness, there is a chance you could get life insurance, but at a higher cost. Some insurance carriers offer a base minimum amount of insurance coverage to everyone regardless of health history, however, premium payments will likely be higher for someone with a critical illness than for someone who is otherwise in good health.&lt;\/p&gt;\n&lt;h3&gt;Find peace of mind with a Symmetry agent today.&lt;\/h3&gt;\n&lt;p&gt;When you purchase critical illness insurance, you&#039;ll be able to rest easy knowing that if the worst happens, the bills will still be paid, and your loved ones will be taken care of.&lt;\/p&gt;\n&lt;p&gt;As always, we are here for you if you need more information, a custom quote, or any guidance along the way. Connect with a licensed Symmetry Financial Group agent today to get started.&lt;\/p&gt;&quot;,&quot;published_date&quot;:&quot;July 6, 2020&quot;,&quot;creator&quot;:&quot;Troy Cono&quot;,&quot;category&quot;:null,&quot;cat_link&quot;:null,&quot;category_links&quot;:&quot;&lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/disability-critical-illness\&quot;&gt;Disability &amp;amp;amp; Critical Illness&lt;\/a&gt; &amp;nbsp;&lt;span class=\&quot;text-medgray px-[5px]\&quot;&gt;|&lt;\/span&gt;&amp;nbsp; &lt;a class=\&quot;body-17 bold hover:opacity-50 transition-all ease-in-out duration-250\&quot; href=\&quot;archive\/life-insurance\&quot;&gt;Life Insurance&lt;\/a&gt;&quot;,&quot;category_links_data&quot;:[{&quot;name&quot;:&quot;Disability &amp;amp; Critical Illness&quot;,&quot;slug&quot;:&quot;archive\/disability-critical-illness&quot;},{&quot;name&quot;:&quot;Life Insurance&quot;,&quot;slug&quot;:&quot;archive\/life-insurance&quot;}],&quot;embedded_video&quot;:null}]},&quot;url&quot;:&quot;\/&quot;,&quot;version&quot;:&quot;33b2d173f5d16b96a6fb4c23fe7494f5&quot;,&quot;encryptHistory&quot;:false,&quot;clearHistory&quot;:false}"></div>  
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