Philipbinns

8 views Jan 2, 2023 How could the owners of a $1.5 M home in CA be foreclosed on? The leading causes of bankruptcy are divorce, medical costs, and job loss. I can't help with divorce or job loss but I can help you pay your medical costs. My name is Philip Binns and I am the Senior Underwriter at the Binns Financial Group, an independent insurance agency in So Cal. I specialize in mortgage protection, which is a clumsy way of saying that the policies my carriers have will pay you not just when you die, but if you are critically, chronically, or terminally ill or critically injured. If you get t-boned by a drunk driver or suffer a heart attack and face weeks to months in the hospital, then home care and weeks of therapy. Bills keep coming in and your income isn't. Now what? Your spouse/partner goes back to work or works long hours, will that equal your income? Who is taking care of you, driving you to your appointments? Will you be able to send your kids to college when you exhaust your savings? If you are serious about taking care of your people, go to my website at https://binnsfinancialgroup.com/ to see how I make people's lives better and to schedule a short phone call.

What kind of life would you lead if you could get all of your debts paid off in 10 years or less, including your mortgage? How well would you sleep at night? Inflation and rising interest rates have made your debt even more expensive. At the end of process, you will have a healthy nest egg for your retirement.

There are 41 million Americans who do not own life insurance. Thirty nine percent of people who own a policy wish that they had bought it sooner. I am an independent insurance agent in CA and I specialize in mortgage protection which is way to keep paying your bills if you are sick or injured. At least once a week someone who is in a near desperate, desperate or an emergency situation and scared that they are going to lose their home. I may be their last hope and I cannot help them due to age, health history or budget. I cannot imagine the stress that they are feeling. Get coverage while you are young, get coverage on your children because the price is rock bottom. When they are older, they can change the type of coverage or increase the amount of coverage. If they are in their 20s or 30s and have had whole life coverage since they were children, they will have built up a nice amount of cash that can be used, tax free.

These are things that I wish I knew about when my kids were younger. Their life and finances would be much different now. If you life in CA, text me at the Binns Financial Group 6196931299.

If you are a homeowner, you have a job, you've achieved every metric there is to have realized the American dream. That is why I moved here. The streets are paved with gold on the shining city on the hill. Life insurance will protect what you have, leave assets to your children so that they can achieve their dream. If you are a California homeowner please text "Quote" at 6196931299 and follow the prompts to start the process to schedule a short phone call.

Imagine what your life would be like if you were able to pay off all of your debt. Your mortgage, your credit cards, your school loans and your car loan in less than or half the time? You can do this without spending more than you are currently spending on your monthly credit cards etc. What if another benefit of the early benefit was while you were paying off your debt, you were building a nest egg, so you aren't breaking even, you are way ahead. Would you be interested in something like that? Text me at 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

There is a better way. If you get an insurance policy specifically for an inheritance, you can leave them more than you have on hand. A life insurance payout is tax free, you don't have to sacrifice your quality of life, your kids can make plans based on what they know they'll be getting. You can also do this for your causes and charities. Life insurance is one of the most useful financial tools around. Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

Retirement is not a DIY event, see a financial professional to develop a plan based on your wants, needs and budget. The IRA, the Roth IRA, your 401K and the TSP are market based retirement products, their value is dependent on the stock market. Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

Retirement is not a DIY project, contact a financial professional. Annuities should be a part of your retirement planning. You cannot outlive the payment and they can be passed on to a beneficiary. They provide a consistent monthly income and they have several ways to fund them. They aren't perfect and they are not for everyone. Take a risk assessment here - https://pfp.missouri.edu/research/investment-risk-tolerance-assessment/ Please message me at 6196931299, professionals are standing by or visit my website at https://binnsfinancialgroup.com/ for more information and to schedule a brief phone call

It can't be all politics, anger, selling etc. Sometimes you just need a break

What will your legacy be when you are gone? Will you be the parent/husband that continues to take care of their loved ones when you are gone, or will you leave them shattered, both emotionally and financially? Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

You have car insurance, cell phone insurance and homeowners insurance. But you haven't protected the most valued person in your families life. Protect yourself and your legacy. Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

Too many Americans regret waiting too long to buy life insurance Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

Protect your home's equity Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.

Why having a mortgage protection life insurance policy to pay off your home is important. Text "Quote" to 6196931299 to start the process of scheduling a quick phone call or go to https://binnsfinancialgroup.com/ to schedule a brief call.