The 4 Costly Mistakes People Make
(And How Much Each One Can Cost You)
| Costly Mistake | Description | Estimated Cost |
|---|---|---|
| Waiting Too Long to Purchase | Delaying life insurance can lead to higher premiums as you age. | $1,000+ annually as premiums increase with age. |
| Insufficient Coverage | Not having enough coverage can leave dependents financially vulnerable. | $200,000+ in potential lost support over years. |
| Ignoring Policy Reviews | Failing to review and update your policy can result in outdated coverage. | $500+ in unnecessary costs with inadequate coverage. |
| Choosing the Wrong Type of Policy | Picking a policy that doesn’t fit your needs (e.g., term vs. whole life). | $1,500+ due to higher premiums or inadequate benefits. |
Maximize Your Financial Security with Effective Life Insurance
Understanding how to leverage life insurance can protect your income and assets, giving you peace of mind and greater control over your financial future for yourself and your loved ones.
Reviews
“I Can Rest Easy Now”
“Watching my mom struggle financially after my dad passed away was heartbreaking. Dad had some life insurance through work, but it wasn’t nearly enough. Mom had to sell their house, move to a tiny apartment, and take a part-time job at 68 years old.
I was sending her money every month, but between my own mortgage, kids’ expenses, and student loans, I was drowning fin””After my dad passed, my mom had to sell her house and take a part-time job at 68 because his work life insurance wasn’t enough. I was sending her money every month while drowning in my own expenses, terrified my kids would face the same situation someday.
Tiana helped me break this cycle by setting up proper coverage for me AND finding an affordable policy my mom could still qualify for at her age. She explained all our options and found policies that fit our tight budgets.
Now my mom has dignity in retirement, my children are protected, and I’m finally sleeping peacefully knowing our family will never go through financial hardship like that again.”
-Jennifer L., 39, Nurse
“Worth Every Penny”
“I kept putting off getting life insurance because I thought I was ‘too young’ and it seemed complicated. Then my coworker had a heart attack at 31, and suddenly it hit me – what would happen to my fiancée and our apartment if something happened to me tomorrow?
One phone call with Tiana changed everything. In just 20 minutes, she explained my options, showed me how affordable it really was, and helped me apply online. The whole process took less than an hour.
Now I have $750,000 in coverage and my fiancée and I can plan our wedding without that nagging worry in the back of our minds. Best decision I ever made – I just wish I’d called sooner!”
-David K., 28 Software Developer
“Wish I’d Done This Sooner”
“My 401(k) was getting crushed by market losses and taxes were going to eat up everything I’d saved for 40 years. I was losing sleep wondering if I’d have to work until I died or become a burden on my kids.
Tiana showed me how to use an Indexed Universal Life policy for tax-free retirement income. Now I’m pulling out $4,200 every month with zero taxes, my money grows with market gains but never loses value, and my wife still has life insurance protection.
We’re finally living the retirement we dreamed of – traveling, spoiling grandkids, and sleeping soundly knowing this income is guaranteed for life. This strategy literally saved our retirement!”
Robert S., 62, Former Engineer
Thrive Horizon 