| Children are Special... Especially when it comes to Life | | | | (possibly $90,572.00, based on current interest rate), |
| Insurance. Children are expected to be on the planet | | | | and a death benefit of $500,001.00. |
| for a long time (0-100+ years, according to the new | | | | Merry and Joselph buy a home and start working on |
| Mortality Tables.), so their life insurance rates are less | | | | a family of their own. They decide to follow in the |
| expensive than an adult or even a teen! Once a child | | | | footsteps of Merry's parents, the Childs, and have |
| passes the age of 14, they fall into a different pricing | | | | only one little bundle of... you know. By the time |
| category. It's logical. When is the last time you had | | | | there new son, Michael, is a toddler, Merry is 36 |
| one of your teenagers plop on your lap and tell you | | | | years old. Her Flexible Premium Universal Life |
| they love you? | | | | Insurance Plan cash value is worth $56,647.00 to |
| Life becomes more dangerous for teens after the | | | | $110,159.00, (depending on guaranteed or current |
| milestone year. They are no longer considered cute | | | | interest rate), and she has a long-standing death |
| and cuddly by the insurance industry, and | | | | benefit of $500,001.00. She decides to purchase a |
| subsequently cost a few pennies more to insure than | | | | similar plan for Michael. (Don't worry, we won't get |
| your toddler. (But teens still get a better rate than | | | | into that.) |
| you or I.) | | | | Seeing that their daughter Merry is in the safe and |
| But to make a short story long, I give you a sample | | | | loving hands of Joselph, the Child's, who are now |
| illustration of the power of youth: "The Merry Child | | | | retired, have opted for Life Settlement. They cash in |
| Story" | | | | their own $500,001.00 Flexible Premium Universal Life |
| This is Merry Child. She is only 2 years old. Her | | | | Insurance Plan for a measly $250,000.00, and move |
| parents want her to have a great life when they are | | | | to Venezuela . Their $250,000.00 becomes $ |
| no longer around to take care of her. (The Childs plan | | | | 536,150,000.00 when converted to the Venezuelan |
| to move to Venezuela when they retire.) They have | | | | Bolivar (VEB). Though their Español is really not |
| opted to insure their precious little bundle of joy for | | | | that good, they live happily ever after, in the lap of |
| $500,000.50 (the 50¢ is to prevent having more | | | | Venezuelan luxury. |
| insurance on Merry than on themselves, but sorry, | | | | Another 29 years whisk by. Michael has finally moved |
| my illustration software rounded the 50¢ up to | | | | out of the house,(yesterday), and the Mangers, |
| $1.00 anyway, so Merry has the same amount as her | | | | (Merry and Joselph, come on, keep up), decide to |
| folks). | | | | retire on the beautiful shores of La Jolla, (pronounced: |
| Since I am their agent, and did not get this same | | | | La Hoya), California . Merry's Flexible Premium |
| financial opportunity from my parents when I was a | | | | Universal Life Insurance Plan cash value, (depending |
| toddling agent, I suggested that the Childs sink their | | | | on who you ask), is now worth $73,862.00 to |
| hard-earned Benjamins into a Flexible Premium | | | | $575,836.00, and her death benefit is $702,520.00. |
| Universal Life Insurance Plan, like their own. (Try | | | | Life is good, so she decides to "let it ride" another 30 |
| saying that one ten (10) times!) They will pay a | | | | years or so. (Seeing how Michael has decided to |
| $437.50 quarterly premium, which is slightly less than | | | | become a Missionary, and single-handedly save the |
| the cost of 20 pounds of Starbuck's(R) Black Apron | | | | world. You go, Michael!) |
| Exclusive(R) Costa Rica Whole Bean Roast, La | | | | At age 95, Merry, who is now a widow and |
| Candelilla Estate Coffee(R). (Try saying that once!) | | | | grandmother of 12 fledgling missionaries, logs in to |
| At age 18, Merry is guaranteed to have a college | | | | the Virtual Reality Online Portal, (formerly known as |
| fund of $20,710.00, (possibly $27,614.00, based on | | | | the internet), to check the status of her Flexible |
| current interest rate), and a death benefit of | | | | Premium Universal Life Insurance Plan. Her cash value |
| $500,001.00. After four (4) or five (5) years of higher | | | | is estimated to be worth $2,744,076.00, and her |
| learning, Merry will get a super job in Business, and | | | | death benefit is $2,771,517! |
| begin to repay the loan she borrowed from her | | | | Five years later, at age 100, Merry commends her |
| Flexible Premium Universal Life Insurance Plan, with a | | | | spirit to her Heavenly Father. She becomes a |
| little help from good old Mom and Dad. | | | | guardian angel to her great grandchildren, when she |
| With ten years of rigorous ladder climbing under her | | | | leaves a legacy of $3,595,193.00, tax-free, to her |
| belt, (and at the tender age of 33), Merry gives in to | | | | heirs. (Not to mention her La Jolla Estate, a |
| her fiancé's proposition of marriage and | | | | Venezuelan Villa and a warehouse full of luxury |
| embarks on her next wonderful adventure, with her | | | | automobiles!) |
| new husband Joselph Manger, (pronounced: Yoself). | | | | The moral of our little story? GET A LIFE!! (A life |
| Her cash value is now a guaranteed $49,826.00, | | | | insurance plan, that is, for your little merry child. |