When Tomorrow Changes Everything

Life can change in an instant. Our family knows this all too well.

First, we lost my son's wife to cancer, leaving him a widower with two young girls. But tragedy struck again.

I remember that day vividly. The frantic call from my granddaughter. "Papa, come quick! Daddy is sick and we need help."

My heart raced as I rushed to my son's house. The sight that greeted me was shocking. Fire trucks. Ambulances. And there, in a neighbor's yard, was my son. Half-dressed, screaming in agony, completely disoriented. He didn't even recognize me.

For 45 agonizing minutes, we struggled to get him into an ambulance. At the hospital, doctors were baffled. Even now, and for the last 16 years, the effects of that day linger. My son battles depression daily. His new wife and daughters carry the weight of his condition in every aspect of their lives.

These experiences opened our eyes. They showed us how quickly life can change, and how important it is to be prepared. Disability insurance would have been a lifeline for my? son's family. But at 36 who would have thought that he needed it.? He went for over 3 years before he was given disability by the government, and that is only after an attorney was hired!

But there's another crucial aspect of planning that many overlook: long-term care. I've seen families torn apart by the stress and cost of caring for a loved one. It's heart-wrenching and often financially devastating.

That's why I made sure to have my own long-term care plan in place. I want to stay in my home as I age, not burden my children or end up in a nursing facility. With proper planning, this is possible.? But Disability Insurance is very costly and if you would die in your sleep say of a heart attack you would have lost all of that money!

The reality is stark: about 70% of Americans will need long-term care at some point. The costs can be staggering. Yet most people are unaware of their options or how to prepare.

Our family's experiences lit a fire in me. Now, I'm passionate about helping others protect themselves and their loved ones. Cash Value Life Insurance when properly structured will provide TAX-FREE money for Long Term Care for pennies on the dollar.? But unlike Disability Insurance if you die in your sleep you will have the TAX-FREE death benefit to protect you beneficiaries.

Not only that, and very few people know this.? Cash Value Life insurance whether it is Whole Life or Indexed Universal Life in my opinion is the best tax-code approved TAX-FREE retirement system available today! I own 3 whole life policies, 2 are the funding vehicles for my granddaughter’s college.? It far out performs the Government 529 plan. The other Whole life policy I use is to show my clients how to become their own bank where they can borrow from themselves and pay themselves back, compounding interest for themselves and not the banks, and eliminating the EFFECTIVE INTEREST COSTS they pay on the money they borrow.? I have 5 Indexed Universal Policies for my wife’ and my TAX-FREE retirement that does not affect the taxation of Social Security or the Means Testing for Medicare Pt B, which will be in the thousands per year, we are protected from lawsuits, liens, and judgements, plus many other benefits.? It also eliminates the risks in retirement that a STOCK PORTFOLIO ONLY COMPOUNDS!? These insurance policies aren’t just policies - they are PIECE OF MIND!? It's a way to ensure that no matter what life throws at you, you and your family will be okay.

Through our struggles, we've learned to cherish every moment and to plan for an uncertain future. Don't wait for a crisis to strike. Plan now. Protect your future. Let me show you how.

It’s All Part of the Plan

Alan Porter helps doctors, attorneys and business owners reduce debt and healthcare costs, generate tax-free retirement income and provide long-term care plans for themselves and their families.?

In short, Alan helps educate people to think outside the box of conventional financial planning when preparing for their present and future financial needs.

If interested, you can call Alan at 910 551 1046. You can also email him here or get on his calendar here.?