Our

Method

Our 4 Leg Balance Method

A table to remain level must stand with an equal balance of support upon its four legs.

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Our lifestyles are a theoretical table. Too often, tables are just one unexpected life-changing event from falling out of balance.

Imagine you were to take everything that makes up your and your family’s lifestyle (home, cars, entertainment, meals, fashion, etc.). Set it all on a flat surface like a table; let’s call it your lifestyle table. Let’s lift that “lifestyle table” into the air, increasing the space from the ground as the cost of maintaining that lifestyle increases. What naturally holds your lifestyle up is your income and ability to continue generating that income. As we know, anything can happen. Identifying the unexpected events that may alter the way you enjoy life is crucial, and then adding support to hold your lifestyle upright and balanced.

These unexpected events fall into four primary pressure points that put almost anyone’s lifestyle at risk. Starting with health, which leads to your ability to remain independent or not, the income you generate, and the legacy you have planned to preserve and pass on to those who depend on you. We have developed this four-leg method for supporting your “lifestyle table” during unexpected misfortunes.

We can all remember that sense of freedom we felt with our first paycheck, and the last thing on our minds since that day is the risk of losing our income.

*Time lost from work due to a medical condition or the cost of long-term care in retirement is among the leading causes of bankruptcies in America.

_{*A study published in the American Journal of Public Health in 2019 found that 66.5% of bankruptcies in the U.S. were due to medical issues, like being unable to pay high bills or time lost from work. Based on our founders' industry experience, long-term care expenses are a leading contributor to running out of savings in retirement.}

We all work to generate an income with high hopes that we can gather enough so that money can begin to work for us. Reaching a retirement state is merely accumulating enough assets so that your passive income (income from assets or investments) can sustain your lifestyle indefinitely.

*According to the American Institute of CPAs (AICPA), Personal Financial Planning Trends Survey, American retirees’ top concern is running out of money during retirement.

_{*According to the American Institute of CPAs (AICPA) Personal Financial Planning Trends Survey, Running out of money is the top financial concern of clients planning for retirement
https://www.aicpa.org/press/pressreleases/2019/going-broke-remains-top-concern-in-retirement.html}

It's your responsibility to maintain a lifetime of healthy habits. Sometimes, that's not enough, and you need to see a doctor for a range of things that could be anywhere from routine to major medical treatments.

*With over 250,000 GoFundMe medical campaigns in 2018, it's clear that this is a pressure point.

_{*A study published in the American Journal of Public Health in 2019 found more than 250,000 GoFundMe medical campaigns started in 2018.}

You’re not the only one who has become accustomed to your way of life. If you live long enough and plan accordingly, you will leave that legacy to those loved ones who rely on you to afford their lifestyle. There comes an indescribable sense of fulfillment that comes from knowing you’ve financially provided for your loved ones, even when you’re no longer here to do it.

LIFESTYLE TABLE

Hover over each leg to learn more.

HEALTH

INDEPENDENCE

INCOME

LEGACY

LIFESTYLE TABLE

Click on each label to learn more.

These four legs help alleviate the weight put on any of the four pressure points of life, similar to how four legs hold up a table. We recognize each leg is equally important, playing a vital role in maintaining lifestyle steadiness.

Policy Engineer is here to hold you up. As we understand what matters most to you, we have a perspective in line with your future. We appreciate your needs and your family’s needs.

Whether you know it or not, your lifestyle sits at that table. Regardless of what stage of life you are, that table with a missing leg could leave you picking up the pieces and starting over from scratch. Don’t let another day go by without the proper protection standing under your health, independence, income, and legacy.

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Let’s start talking about how to stabilize your lifestyle table today! However you want to talk about your table, we are here to listen and help you. But let’s agree that not talking about it will not help support your current or future lifestyle.

HEALTH

Imagine you are in your mid-50s and have been maintaining a healthy lifestyle, exercising regularly, and eating well. You’ve diligently saved for retirement and have a solid financial plan. However, unexpectedly, you are diagnosed with a chronic illness that requires ongoing medical treatment and care. The cost of medical bills and long-term care expenses start accumulating, putting a significant strain on your financial resources and jeopardizing your ability to maintain your current lifestyle. In addition, the illness has resulted in a disability that prevents you from working and earning the same income as before. Fortunately, you had the foresight to invest in disability insurance as part of your financial protection plan. Disability insurance provides you with a monthly income replacement, helping you cover your living expenses and medical bills while you cannot work due to the disability. This allows you to focus on your health and recovery without worrying about the financial burden.

INDEPENDENCE

Imagine you are in your late 60s and have been enjoying an independent lifestyle, living independently and managing your daily activities without assistance. You’ve taken steps to protect your income with disability insurance and planned for your legacy with a life insurance policy. However, due to an unexpected accident or illness, you lose your ability to perform certain activities of daily living, such as bathing, dressing, or cooking. You now require long-term care services or assistance from a caregiver, compromising your independence and affecting your lifestyle. Fortunately, you have also secured long-term care insurance, which provides financial coverage for the costs of care services, allowing you to maintain your quality of life and receive the necessary assistance. The combination of long-term care, disability, and life insurance adds crucial legs to your lifestyle table, protecting your income, legacy, and independence, even in unexpected health challenges.

INCOME

Let’s say you are in your early 40s and have a stable job with a steady income that supports your lifestyle, including mortgage payments, car payments, and other expenses. You’ve taken steps to protect your income with disability insurance and planned for your legacy with life insurance. Additionally, you’ve invested in annuities as a form of retirement savings. However, due to unforeseen circumstances such as a sudden job loss or a business failure, your income stream is disrupted, and you need help finding a new source of income. This sudden loss of income puts your lifestyle at risk as you struggle to meet your financial obligations and maintain your current standard of living. Fortunately, the annuities you’ve invested in providing a stable source of income during this difficult time, helping you bridge the gap until you can get back financially. The combination of disability insurance, life insurance, and annuities offers a comprehensive financial protection plan, safeguarding your income, legacy, and retirement savings, even in the face of unexpected challenges.

LEGACY

At 35 years old, you are a successful professional with a family to protect. You have worked hard to build a stable career and provide for your loved ones. You also want to preserve your legacy and your family’s financial future in case of your untimely passing. You understand the importance of having a financial safety net in place to cover various expenses that may arise, such as funeral expenses, mortgage payments, and education costs for your children. You purchase a life insurance policy to provide this financial safety net, protecting your family’s financial well-being. In case of your untimely passing, the life insurance policy can provide a lump sum payout to your designated beneficiaries, helping them cover immediate expenses and ensuring their financial needs are met. The policy can cover funeral expenses, mortgage payments, and education costs for your children. Life insurance adds a crucial leg to your lifestyle table, preserving your legacy and protecting your loved ones’ financial future.

Your Lifestyle, Our Commitment: Protecting Your Health, Income, Legacy, and Independence

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