Hard Dollars vs. Soft Dollars

If something should happen to you or to your spouse, leaving you or him or her without the income they may provide...would you like to pay for the final expenses, maintain your lifestyle, pay for your children(s) education & pay off debt with hard dollars or soft dollars? What is hard dollars? What is soft dollars? If you are not familiar with either, it is really simple. Hard dollars coming from that income that you wake up every morning and provide for the family you adore. Hard dollars are those dollars that you put in the bank, under the pillow. Soft dollars are what you get when you use pennies to buy dollars for life insurance. What I mean, for $500,000 worth of coverage that may cost you $30, $40, $50 per month for a specified period of time can provide that family you adore the necessary funds to pay for those final expenses, lifestlye, making sure your kids end up in college like you and your spouse wanted, & pay off that debt. Those soft dollars will allow your spouse to concentrate on the things that are important if death comes prematurely. Those soft dollars will allow that grief process to be the primary focus while focusing on the children, instead of worrying how to pay the mortgage, the car payment, burial costs, kids' clothes & education costs. Maybe your kids are not college age and attend private school, if I remember correctly, that can be as expensive as college. Let those costs be asorbed by those soft dollars and keep the hard dollars in the bank or under the pillow. Let those soft dollars work for you while you need to focus on you and yours. If you need guidance, please feel free to contact me. If you need more literature, please feel free to contact me. Don't gamble, while your family is the stakes. Let the soft dollars be that piece of mind you and your family deserve. Whether it is term insurance or permanent insurance, being insured is a priority. And the bottomline, soft dollars are cheaper than hard dollars!