Disabled, SSI Benefits, Not Protected? You Must Consider Life Insurance

How are YOU protected? “None really. I don’t have life insurance. I have a will and an advanced directive though. I also have power of attorney under my Mom’s name and even funeral arrangements that are still concretely planned out down to the music and casket itself.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Joseph V. Pappas

01) What is your main job title or what do you call yourself?

Self-employed writer

02) What industry of the workforce do you work in?

Artistic/Writing industry

03) How long have you been in your current role?

4 years

04) How long have you been interested and active in your industry?

7 years

05) What education, licenses, or training is required to do what you do?

Minor in Creative writing and English major are helpful as well as my typing certificate that says I type 78wpm w/no mistakes.

06) What does your home or family structure look like?

Single. Live with a roommate in the suburbs of Sacramento and split the rent.

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

Right now that’s tricky because I am disabled and only receive SSI benefits. Whatever leftover I have for the month goes on mostly bills but I suppose I could put $20 a month away and keep this in case of emergency or just to save for any unforeseen expenses that come my way.

02) Describe how you could make more money in order to save for an emergency fund.

Freelance work online is actually helping me with this but I could also attempt to find other survey sights like this. I’m unsure how many are out there. I’m looking for full-time positions but I could also try to do what I did in college and serve as a mobile DJ for local events at bars, clubs, and open-mics.

03) How is your financial future protected and are you confident it will still be there?

No one can really touch my SSI and it’s pretty guaranteed I’ll receive it for sometime because I’m a post-transplant patient that’s fairly young and I will likely need another in the future being that I’m almost 10 years out of a kidney/liver transplant I had when I was 19. My parents I know are very careful with money so there will be some inheritance there in the distant future and if I need a safety need of some kind, I have a few other options of where to live, expense and rent-free.

04) Explain how much money you think you will need to cover a major emergency event and why.

I have full health coverage right now so this is hard to say. In the event something happens to my Mom’s health and she needs to me help, I’d find the first 2 or three part-time jobs I can get on at to kick in some. I think it would be ideal to have at least 1,000 put away but for someone with little means, this could take me some time.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

In college, my parents weren’t that able to help me out with books financially so I have some credit card debt because almost every semester I’d have to get a different card. Some semesters my books were close to $800 alone. Because I was an english major at my college, many of the classes required 10-15 books and sometimes I’d have 4 courses in that subject per semester. I also paid for my own meal plan and have been working since 14 and had saved up a bit for other expenses I’d need for the 4 years I was there.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

I don’t snack between meals, don’t drink dark or caffeinated beverages at all (soda, coffee, energy drinks, etc). I also try to eat a serving of fruit and veggies with each meal and don’t skip meals. Breakfast is never missed too. I also try not to eat out more than once a week and if I do, I order small sizes of everything and get no extra condiments added onto my food.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

I go to the gym three times a week to do laps in our lap pool. Also, our apartment complex has a total gym and some other machines so I go there on off-gym days to do weights and resistance training. Combining these has helped me not only lose weight but develop a lifestyle change to keep my energy and body healthy.

08) How do you feel major life issues can impact your finances?

They already have in a large sense. Being on SSI, I receive my healthcare because of that so I have to be very careful where I apply to get hired and ensure that they can provide me with fair options that are inexpensive. Right now, being on state coverage everything is 0 dollars including antibiotics. Both my transplant meds are normally over 3 grand a month but with state coverage they are zero. It has effected job hunting quite a bit.

09) How does your spouse or partner feel about your financial future?

I don’t have either. My financial situation has also effected how much I date and even my social life in general as far as going out goes. Most of what I do go out to is free or low cost; local film festivals, free acoustic or open mic nights. Poetry readings in the city are also inexpensive and club events where there is no cover are also good to partake in.

10) How do you think your death would impact your family and relatives?

I think it would be very devastating for both. I almost died when I was 19 and my first transplant was rejected. Dr’s were ready to put me on a feeding tube while they were trying to figure out what was causing me to not be able to hold down even a teaspoon of water, get 105 fevers 4 times a week. I had to quit dialysis treatments and became very ill and once they put you on a feeding tube, you are considered too ill to stay on the transplant list. That week they found a match for me. I feel like my family almost had this happen once and for it to really happen a second time would be very very tragic.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

Start putting away whatever money I get extra and stop paying my bills and set it aside for my Mom.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

None really. I don’t have life insurance. I have a will and an advanced directive though. I also have power of attorney under my Mom’s name and even funeral arrangements that are still concretely planned out down to the music and casket itself.

13) What kind of investments do you currently have and what are your future plans for them?

No investments. Being that I only get SSI I don’t have any extra to invest. I suppose if I did, I’d attempt to get a broker and test out the market. I feel like Real Estate or investing in a new business would be less risky? I’d try to help my poet friend publish his second book and maybe invest in him.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

I share rent. I don’t really own anything that’s of value over 1,000 dollars. Being that I moved across country 2 years ago, I skimmed down and got rid of a ton of my material belongings because everything had to be shipped. Everything I own in the world now exists in a 9×11 bedroom and closet and I actually like it that way.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I’d like to leave the legacy that I never gave up and stayed optimistic throughout being ill from a pediatric age. That I never stopped laughing or loving as well. I’d like people to see life from the lens I have and let things roll off their backs easier and not get hung up on the crazy drama of life. I’d also like people to realize and feel the little things more.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

No Safety Net For Your Family? Is It Time For Life Insurance?

How are YOU protected? “We currently have no wealth or life safety nets. We have no insurance. Our back up plan is to have our children go to their God parents if anything happens. We do perform certain behaviors to keep our family healthy and our wellbeing also healthy.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Dean D. Rees

01) What is your main job title or what do you call yourself?

Assistant Manager

02) What industry of the workforce do you work in?

Restaurant/Kitchen

03) How long have you been in your current role?

2 years

04) How long have you been interested and active in your industry?

19 years

05) What education, licenses, or training is required to do what you do?

Servsafe certification

06) What does your home or family structure look like?

Married, 3 kids, 1 dog.

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

I plan on cutting back on my spending and trying to make money through cottage businesses like the many freelance site online. I have found a way to cut three hundred dollars from my monthly expenditures. By changing my route to work, carpooling, not eating out, and being less wasteful at home, I can save money. I also plan on using cottage businesses such as selling antiques, ebay, cha-cha.com, and the likes.

02) Describe how you could make more money in order to save for an emergency fund.

I could pawn my valuables, take an auto loan, or get a second job. I own several expensive pieces of furniture and electronics, jewlry and video games. They can help get me out of an emergency. I also own my cars out right. I can always get a loan on them. I am only currently working one 40 hour a week job.

03) How is your financial future protected and are you confident it will still be there?

My financial future is protected by family land. My family owns land that I can live on for the foreseeable future. If it ever came to the family land being in jeopardy, I can farm it or raise live stock.

04) Explain how much money you think you will need to cover a major emergency event and why.

I need atleast one thousand dollars to cover a major emergency. I assume I may need to travel. Travel equates need for a motel. Other emergencies may include big expenditures like fixing an automobile.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

My bad habbits have affected me in the past. I am a shopaholic. I overspend and then find myself in dire financial straights. My shopping addiction has hindered the growth of my family, and risked everything.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

My diet is okay. I eat salads at work regularly so they support my health. I say my diet is okay because my husband is an immaculate cook. He doesn’t think one moment about whether the delicious food may hurt his or my health.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

My inexistent exorcise routine hurts my health. I find myself dealing with pinched nerves from the intensive administrative focus I must exhibit. Furthermore, I find myself gaining weight at 1lb. per month. This is definitely not good.

08) How do you feel major life issues can impact your finances?

Major life issues can be a drain on finances. The drain comes in the form of lawyer and doctor bills. Some major life issues may even need a therapist. These professions charge alot.

09) How does your spouse or partner feel about your financial future?

My husband is optimistic about our future. We make enough money to make ends meet but not enough to be where we want to be. Though hopes are usually high, my husband sometimes fears that we may not be able to make it financially.

10) How do you think your death would impact your family and relatives?

My death would greatly impact my family. In our family we love each other immensely. I am also the only major financial supporter of our family. If I die, my family will suffer.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

If I knew I was going to die in six months I would probably “Break Bad”. I would try my best to make as much money as I could for the one’s I love. I wouldn’t care how or who I hurt to make a comfortable life for my children.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

We currently have no wealth or life safety nets. We have no insurance. Our back up plan is to have our children go to their God parents if anything happens. We do perform certain behaviors to keep our family healthy and our wellbeing also healthy.

13) What kind of investments do you currently have and what are your future plans for them?

I do not have any investments other than my children. I invest all of my time and my spare money taking care and raising kids that will succeed without ego. I hope that they will one day take care of me.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

I live at a family property. My property costs me 7200 a year. I also own two cars that are mine out right. I pay 91 dollars a month in car insurance and I pay 150 a year in taxes.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I want to leave a life legacy of being a healer. I want to be known as someone who can listen and understand others. I also want to buy some property or hopefully inherit some property to leave to my children.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

No Children, 1 Dog – Tell Me Why I Need Life Insurance Coverage

How are YOU protected? “I try to make sure I have the proper safety finances. I save the money I need for medical treatments. I keep in shape.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Victoria R. Babcock

01) What is your main job title or what do you call yourself?

I am a food service manager

02) What industry of the workforce do you work in?

Food

03) How long have you been in your current role?

3 years

04) How long have you been interested and active in your industry?

5

05) What education, licenses, or training is required to do what you do?

Food handler’s, liquor

06) What does your home or family structure look like?

No children, 1 dog

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

My current plan is to save enough money to be able to support myself for 1 year without a job. I want to be able to afford that safety net. I want to prepare for emergencies

02) Describe how you could make more money in order to save for an emergency fund.

I could work on making money online but need to look into it more. I could ride my bicycle instead of driving my car. I could use mass transit.

03) How is your financial future protected and are you confident it will still be there?

I have diversified investments. I have bought into stocks. I have money market accounts.

04) Explain how much money you think you will need to cover a major emergency event and why.

I think I will need at least 7,000$ to cover a year. At least 5000$ to cover death. And 4000$ for emergency evacuations.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

I used to smoke a lot which ate up a lot of my money. I used to go eat at fast food places a lot which was bad. I used to go for joy rides in my car which ate up a lot of gas and polluted the air.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

I eat less and and eat more high quality and healthy foods. I try to eat organic and local. I eat less fatty foods and more lean and nutrition rich foods which help me feel better.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

I make sure to go the gym at least twice a day. I also subconsciously get exercise daily by riding my bicycle as my main mode of transportation. It doesn’t really feel like exercise.

08) How do you feel major life issues can impact your finances?

I try and minimize expenses. I live more simply and as a result more sustainably. I try to consume less and therefore my finances are less strained. Added bonuses include reducing my carbon footprint and staying in shape

09) How does your spouse or partner feel about your financial future?

My spouse feels optimistic. She feels we have a good savings plan. We should be able to retire comfortable.

10) How do you think your death would impact your family and relatives?

They would be sad. Wee are a close knit family. I would be missed.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

I would perfect my will. I would make sure that all my arrangements would be made. I would make sure to set up a funeral fund.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

I try to make sure I have the proper safety finances. I save the money I need for medical treatments. I keep in shape.

13) What kind of investments do you currently have and what are your future plans for them?

I own gold. I have several stocks. I hope to be able to sell them one day for profit.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

I own a bicycle. I own a car. I have an apartment. My bicycle (my main mode of transport costs only 100$ a year to maintain. My car costs $8000 (insurance, gas, parking spot, car payment, licenses, maintenance, etc)

Apartment is 600 a month

15) What kind of life-legacy or positive impact do you want to leave on the world?

To make the world more efficient and healthy.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

Coordinate Your Future With Insurance for Life, Health, and More

How are YOU protected? “Right now I am building more income streams. I can’t just rely on traditional income methods. These income streams run on auto-pilot. Money is being generated while I do other things.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Gloria U. Manley

01) What is your main job title or what do you call yourself?

Project Coordinator.

02) What industry of the workforce do you work in?

Brand Development

03) How long have you been in your current role?

5 Years

04) How long have you been interested and active in your industry?

14 years

05) What education, licenses, or training is required to do what you do?

I have two degrees (advertising & marketing) and extensive training in design techniques and software such as Photoshop and After Affects.

06) What does your home or family structure look like?

I am single with no kids.

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

I have 2 savings accounts. I have a daily savings goal. It is very small but it puts me in the daily mindset of saving versus spending. For 2014 the goal is the earn more and spend less on things that don’t mean anything. The other account is for monthly savings.

02) Describe how you could make more money in order to save for an emergency fund.

I have a few ventures that are set up online that have sold well and are evergreen. They sell a few units monthly now. I just need to spend the consistent time making sure they get seen through marketing. All of the money from these can increase my saving significantly and quite quickly. I can also cut expenses from my main sources of income.

03) How is your financial future protected and are you confident it will still be there?

I am protected luckily by multiple streams of income. All my eggs are not in one basket. If I lost my main source of income today the other sources could fill in.

04) Explain how much money you think you will need to cover a major emergency event and why.

In this economy I think anything less than $10,000 in the bank is scary. I don’t have that but feel it is possible this year with discipline. This number will allow for most things. Thinking of a worst case scenario emergency would be the need to fly out of the country with family. The amount of $10,000 could do that just barely.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

My bad habits have caused me to miss some opportunities. When you are not wise with your finances big opportunities will past you buy as you will not have the money to invest. The money was there but it was spent. Bad choices have cost me security and freedom for me and my family at times

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

My current diet is not the best so it could cost me if I don’t turn it around. I’ve lost 50 pounds so I have improved greatly but I am in a gap period of half way doing things right and half way doing them wrong which is counterproductive. Bad health slows you down and costs you in medical bills.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

I walk a lot so that has countered the effect of my eating habits mentioned above. I also have a gym membership that I pay for for the first time in my life. I feel great every time I go. My activeness is probably the only reason I have not gained back the weight I lost.

08) How do you feel major life issues can impact your finances?

Health issues are a huge financial factor. On the daily level if you a not eating right you are sluggish and less effective. This effects your finances daily. You could be doing and making more everyday but it is obvious that you are making less if you are in this condition.

09) How does your spouse or partner feel about your financial future?

I am single but I an very determined only to only date people and in turn marry someone that cares and plans for their financial future.

10) How do you think your death would impact your family and relatives?

I really want my family to be taken care of in case of an untimely death. I am looking into life insurance. Beyond my funeral cost I want my death to at least impact my immediate family and also my church with a size-able amount.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

I would get a large insurance policy no matter what the cost. I would focus on having it intact with no issues on it being paid out. I would actually be a peace knowing this.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

Right now I am building more income streams. I can’t just rely on traditional income methods. These income streams run on auto-pilot. Money is being generated while I do other things.

13) What kind of investments do you currently have and what are your future plans for them?

A cashed out a lot of investment to start a business and am just now reinvesting. I am rebuild my saving but would also like to get into real estate and have since hooked up with a mentor to teach me the ropes on this.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

Right now I rent apartments an houses. Over the last year I have been in multiple cities building my business. It costs roughly $1000 per month.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I want to leave the legacy of success through perseverance. I want to have inspired people to go after their dreams and cash in on what they are good at. I want to inspire people not to settle for average.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

If A Financial Analyst Knows Life Insurance Is Important, Why Don’t You?

How are YOU protected? “Right now I have the income from current investments. Future backup plans include improving my health and adequate insurance coverage. I also hope to increase general savings once debt is paid off.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Christine K. Sommers

01) What is your main job title or what do you call yourself?

Financial Analyst

02) What industry of the workforce do you work in?

Finance

03) How long have you been in your current role?

1 year

04) How long have you been interested and active in your industry?

5 years

05) What education, licenses, or training is required to do what you do?

College Degree

06) What does your home or family structure look like?

Single with pets

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

I plan on first paying down any remaining debt I have. Once the debt is paid off, I will build up a savings through an automatic monthly deposit. Once a safe buffer is built up I want to make further investments for savings.

02) Describe how you could make more money in order to save for an emergency fund.

Well though doing things like those on money making sites online for one. Beyond that I would say the next easiest way would be side jobs in the off time. If neither of those are an option there is always buying and selling as an option. I have a friend who buys broken electronics on ebay, repairs them with $10-20 parts and resell for $100+ profit.

03) How is your financial future protected and are you confident it will still be there?

At the moment, not much it protected. I do have insurance on my hard assets, but do not have much in terms of savings. Despite this, i have full confidence I will be able to continue building investments and savings to ensure I can have a stable future.

04) Explain how much money you think you will need to cover a major emergency event and why.

This depends on what the emergency event is and what protections you have in place to assist with it already. Insurance (life, health, property) would definitely be recommended. However in addition to this you would want enough to also cover any deductibles and unforeseen expenses. In spite of this I would be most comfortable with an amount in the range of $20,000-$30,000 which should be enough to cover many situations, at least short term. Additionally, this provides with additional piece of mind in case they are further emergencies or problems with insurance etc. paying.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

Bad spending habits have impacted me primarily through decreasing my savings. As for those close to me, the most obvious example would be how I could see what a burden student debt can be. I was able to see how much it can set you back in terms of being ready for retirement.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

They help in that they have recently been helping me lose weight. My previous eating habits weren’t very good. They would have definitely ended up shortening my life span. Hopefully through continuing health habits, I will live longer, be more productive and have lower healthcare costs in my future.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

Like my diet, my current exercise habits are helping my health. They are helping me become stronger and improving my cardiovascular health. In addition to having many of the same benefits and the above diet habits, studies show that stronger muscles help people maintain mobility and quality of life in later years.

08) How do you feel major life issues can impact your finances?

They can severely impact them. most bankruptcies in the US are at least partially the result of medical bills. Problems within family add to this stress especially when factoring the possible cost of divorce. Obviously issues with job will also have a significant effect on finances since it directly contributes to income in most cases.

09) How does your spouse or partner feel about your financial future?

I don’t currently have a spouse or partner. If I did, I would imagine we would have to have several discussions about our future. It is important to be on the same page if you want to achieve financial success.

10) How do you think your death would impact your family and relatives?

I think it would be mainly emotionally impactful. It would also have some financial impact. I would mainly be concerned about the transfer of assets to my family.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

I would purchase life insurance if it was available. If not I would focus on distributing my belongings so there would be less chance of dispute after my death. A clear will would also help in this matter.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

Right now I have the income from current investments. Future backup plans include improving my health and adequate insurance coverage. I also hope to increase general savings once debt is paid off.

13) What kind of investments do you currently have and what are your future plans for them?

I have investments in equities as well as bonds. My largest investments are in real estate. I plan on continuing my traditional investments and increasing them within an IRA. I hope tom maintain and increase my real estate investments to provide larger fixed assets and stable cash flows in the future.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

I own two cars which are completely paid off. I would estimate their annual cost of operation at $2500-3000 per year. Additionally I own real estate which costs approximately $15000 annually to own and maintain including maintenance, insurance, and mortgage costs.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I haven’t really arrived at the point in my life where I have stated thinking about that honestly. I suppose I would want to leave my family with a good ability to cope with my loss. Other than that I can only offer the almost cliche answer of wanting to leave things better than they are.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

Yes, Freelance Workers Need Life Insurance Protection – It’s a Wild World!

How are YOU protected? “I have a life insurance policy. Aside from that, I honestly don’t consider these matters.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Janet F. Ricci

01) What is your main job title or what do you call yourself?

Freelance writer

02) What industry of the workforce do you work in?

Media

03) How long have you been in your current role?

One year

04) How long have you been interested and active in your industry?

I have been interested and active in the writing industry for over a decade.

05) What education, licenses, or training is required to do what you do?

None

06) What does your home or family structure look like?

Single, no children, one dog, four cats, a rabbit and a fish named Doug.

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

Unfortunately I don’t have a solid plan for when that rainy day comes. My profession is anything but lucrative. I suppose I’d have to rely on the aid of my family in the event of a financial emergency.

02) Describe how you could make more money in order to save for an emergency fund.

I would, and have planned on, acquiring a part-time position in the nonprofit sector.

03) How is your financial future protected and are you confident it will still be there?

My financial future is entirely unprotected. I am confident that it will remain OK, as I am open and willing to work in a multitude of environments in order to support myself.

04) Explain how much money you think you will need to cover a major emergency event and why.

A major emergency would likely cost around $50,000. This is just my ballpark estimate, but judging by prior hospital fees that I have incurred I would consider it fair. I’d imagine other emergencies of varying degrees would fall around the same dollar amount.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

I suppose you could say that my “bad habit,” as far as money is concerned, is that I tend to spend too much of it on other people. I am absolutely crazy about buying gifts for my loved ones, and tend to overdo things a bit. I have found myself penniless after many a birthday, holiday, etc.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

My current dietary habits are beneficial for my health, but slightly more harsh on my budget. Eating healthy, vegetarian meals can drain the ol’ bank account rather quickly. Produce. That’s the kicker.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

My exercise routine, which includes running and cardio workouts, supports my future well being in that I am keeping my body fit and healthy.

08) How do you feel major life issues can impact your finances?

Major life issues can definitely impact one’s finances dramatically. During bouts of severe depression I have found myself resigning from positions, and therefore suffering financially. Upon seeking treatment, I had to borrow funds from my father in order to get back on track.

09) How does your spouse or partner feel about your financial future?

I do not have a spouse or partner, but if I did I’d assume they’d be fine with my financial future, because I wouldn’t tolerate any man who wouldn’t be.

10) How do you think your death would impact your family and relatives?

Death would impact my family severely. Not only for obvious reasons, but it could put an extreme financial burden upon them. I come from a middle-class background. Honestly, I find this question rather morbid and don’t have much more to contribute.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

Oh gosh. This is even more morbid. Well, I would legally put what little estate that I have in my nephew’s name.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

I have a life insurance policy. Aside from that, I honestly don’t consider these matters.

13) What kind of investments do you currently have and what are your future plans for them?

I currently have zero investments.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

My apartment and vehicle cost around $30,000 annually.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I would hope to leave a positive imprint on the hearts of the people I love. I don’t think I could ask for much more than that.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.

This “Expert Butt Wiper” Can’t Afford Life Insurance; What Needs To Change?

How are YOU protected? “We have nothing set up at the moment except for basic health insurance. But I am considering getting life insurance. We just need more income.”

The only way to get a better understanding of how much your life is in order is to get introspective. The only problem with that is, most people won’t do it on their own accord. This is one of the reasons Cheap Term Life Insurance Online has surveyed potential customers on what matters most in their lives. Through these questions and answers, they came to get a better understanding of their future, both financially and from a growth perspective. We hope you will do the same just by reading what they have to share.

Interviewee: Jeanne D. Lin

01) What is your main job title or what do you call yourself?

CNA: expert butt wiper

02) What industry of the workforce do you work in?

Healthcare

03) How long have you been in your current role?

5 years

04) How long have you been interested and active in your industry?

5 years

05) What education, licenses, or training is required to do what you do?

Can license and a load of patience

06) What does your home or family structure look like?

Married four kids

Interviewee Thoughts

01) What is your current plan for saving money for future emergencies?

Saving money is not something our family excels at. With four kids it is near impossible so do we have plans? Yes, investment strategies and investment targets and what not and saving strategies to get there but right now it is impossible.

02) Describe how you could make more money in order to save for an emergency fund.

We would have to seriously pull together as a family to be able to save any amount of money but as stress and other complications stand it is impossible to do even that.

03) How is your financial future protected and are you confident it will still be there?

I honestly don’t feel like it’s protected. There are no guarantees unless we make them that way. Right now that is not really possible.

04) Explain how much money you think you will need to cover a major emergency event and why.

If we were to suffer damage from a disaster such as tornadic activity it would cost thousands to repair. If I died or ny husband died it would cost thousands to provide child care and to make up for duties and obligations that would otherwise be left undone. So roughly 50000 for my husband’s death, 10000 for tornado damage.

05) How have the bad habits in your life, close family, or friends made an impact on you financially?

My husband and I have had disagreements that have led to rash decisions. Lawyers and rent plus utilities for new apartments have taken a toll on our finances for months now. It has been very hard.

06) How does your current diet or eating habits support or hurt your health and future wellbeing?

I haven’t been eating as much as I should and the things I do eat are not very nutritional. I try to eat salads and things like that but I find myself gravitating to things like candy ans chocolates.

07) How does your current exercise routine (or lack thereof) support or hurt your health and future wellbeing?

I’ve been trying my best to eat healthier to make up for my lack of exercise but like I said it has been hard. I may not have a plan but I want to have one. Yet I am still losing weight gradually.

08) How do you feel major life issues can impact your finances?

If things get worse we will need more lawyers and separate households and vehicles. It will be a financial nightmare. I do not see how we could get through it.

09) How does your spouse or partner feel about your financial future?

He is very concerned. It stresses me out and I don’t know what to do because I can’t trust him. So his concern does not really mean much at the moment.

10) How do you think your death would impact your family and relatives?

At times I think it would improve our lives if i were removed from it. But I know my children need me and I know my husband needs me. I think it would be catastrophic.

11) What one step or action would you do today, financially, if you knew you were going to die in 6 months?

I would stop smoking. I would listen to my husband and adhere to his budgeting. I would stop overspending and help him budget.

12) What kind of health, wellbeing, or life safety net, insurance, or backup plans do you have?

We have nothing set up at the moment except for basic health insurance. But I am considering getting life insurance. We just need more income.

13) What kind of investments do you currently have and what are your future plans for them?

My husband has a book series and another on the way that makes some money. He has all kinds of plans but doesn’t have the time to execute them fully. That is all we have at the moment.

14) What kind of property do you own and about how much does it cost you per year to own and maintain?

We have a average property that costs quite a bit to maintain especially during the summer. Our home is breaking down more every year due to unstable foundations and other issues. It is a major financial pitfall.

15) What kind of life-legacy or positive impact do you want to leave on the world?

I would love to do something with my art. I’ve had ideas for graphic novels and other prose projects. I just need the time to get them off the ground.

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Thank you for reading this customer interview and we hope it helps you make the right decisions for your life protection planning for the future.