when the policy is issued and remain the same throughout the life of the policy. Whole life insurance, unlike term insurance, combines savings or cash value with insurance protection, and it accrues over time. You can even borrow from the cash value, but withdrawals and loans could potentially generate an income tax liability. Universal Life Insurance Similar to whole life insurance, universal life insurance does not expire as long as you continue to pay the premiums and have a cash value option. This option provides tons of flexibility as the premium and death benefit are adjustable. This means that the cash value must be enough to cover monthly charges if the policyholder pays a lower premium than the selected premium. Keep in mind that the more you pay, the shorter the time period you have to pay. To select the life insurance policy best suited for you and your needs, contact us today! We are here to help!
Have a Low-Stress Holiday
3 Tips for a Merrier Time The holidays are right around the corner, and while many people can’t wait to eat turkey and swap presents, others only see stress on the horizon. Especially for those hosting parties, between decorations, big dinners, excited kids, and visiting family, it can all feel overwhelming. If celebrations are happening at your house this year, here are three tips to lessen the strain and keep up the holiday cheer. Recharge First Ensure you’re rested and recharged before the holidays by taking time to relax, getting enough sleep, and engaging in activities that make you feel good. When you’re rushing to get everything done, it can be tempting to skip self-care routines, but that will cost you in the long run. Your daily exercise and other health activities keep you balanced and ready to face challenges head-on. Get Started Early Holidays always arrive faster than we expect, so begin preparing early. If shopping for presents is a pain point, don’t wait until the last minute. Decorate earlier than you need to — or better yet, get the kids to do it for you. There’s only so much cooking you can do ahead of time, but ensuring you have all of the equipment and nonperishable ingredients you need a few weeks in advance will reduce both your workload and anxiety. Don’t Expect Perfection The sooner you let go of the idea of a “perfect” holiday, the sooner you’ll be able to have a happy one. Face it: Something will go wrong. Whether it’s an overcooked dish, a child throwing a temper tantrum, or your uncle talking politics at the dinner table, nothing will ever go just how you planned. So, embrace the imperfections. Whether you’re celebrating this year with a group of two or 20, holidays can be a stressful time — but they don’t have to be. With these tips, your festivities may not be picture-perfect, but they will be a lot of fun.
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Planner The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1-800-778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
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