EP.17: Life Insurance Awareness Month with Michael Baratta скачать в хорошем качестве

EP.17: Life Insurance Awareness Month with Michael Baratta

💡 Life Insurance Awareness Month Special 💡 In this episode of Financially Fluent, host Ray Godleski sits down with expert Michael Baratta to explore the many roles life insurance plays in protecting families and building wealth. Beyond providing for loved ones, life insurance today includes living benefits, tax strategies, and tools to maximize retirement income. We cover everything from income replacement and inflation-proof planning to riders for critical illness and long-term care, plus the differences between term vs. permanent policies. Michael also shares insights into pension maximization and how cash value policies can provide flexibility, tax-deferred growth, and even tax-free income when you need it most. 📌 Takeaways: Life insurance goes beyond leaving money behind—it provides living benefits. Income replacement needs are personal and shift with life stages. A million dollars of coverage may not be enough in today’s economy. Permanent insurance provides lifetime coverage, unlike term. Pension maximization can enhance retirement income. Cash value policies can act as a buffer during market downturns. Always consult a financial professional for tailored strategies. 🎧 Listen to the full episode here: 🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast... 🎧 Spotify: https://open.spotify.com/episode/0APx... ✅ Don’t forget to subscribe, like, and share if you found this episode helpful. #FinanciallyFluent #LifeInsuranceAwareness #IncomeReplacement #PensionMaximization #CashValue