financial tip of the week...

by Genya Harley 

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Hello All:
Hope you are having a great weekend thus far.
Thank you, to everyone who has sent messages with questions and comments. I am glad I am able to help. Please continue to forward my information to your family and friends. Also, if you own a small business i.e.. Avon, Mary Kay, multi-level marketing product or service etc., contact me if you are interested in becoming a vendor at the Wealth & Health seminar scheduled for Sat. 11/12 10 - 2pm at the Matteson Hotel & Conference Center 773-251-1865.It will not be your normal seminar.

If you are reading this and believe that my subject heading is strictly for "20 year old -something's", actually this message is for everyone to read and contemplate. For the sake of being redundant, I have to emphasize how important life insurance is. I am engaging people daily who DO NOT HAVE LIFE INSURANCE....why?
The main reasons that I hear and my responses are:
1. "I have it through my job"....I say, "You need a supplemental policy in case you get laid-off or fired."
2. "I cannot afford it"....I say, "Can you or family afford for you to be without it? You don't want to leave a financial burden for your family."
3."I am on my spouse's policy"....I say, "You will need your own policy because if your spouse passes away, you will no longer have coverage on that policy."
4. "I had a policy, but I let it go a long time ago...I say, "No time like the present, some coverage is better than NO Coverage."
If you are 21 and older, you may have been covered on your parents life insurance policy as a child, more than likely you are no longer covered on that policy.
Insurers normally cover children on their parents policy up to age 21, in some instances to age 25.
I know you are just beginning your life, making your own decisions independent of your parents, earning your own money, paying your own bills, you may not be married and may not have any children yet...however, YOU STILL NEED LIFE INSURANCE! As I stated in reason #2, YOU DO NOT WANT TO LEAVE A BURDEN ON YOUR FAMILY! Average funeral expenses are $12k and any debt your have will need to be paid off. GOT STUDENT LOANS?
Simply, hear me when I say that I can help you obtain coverage today for the cost of a meal for 2 at McDonald's. For example: a 20yr. old (non-smoking) male can obtain a $100,000 (30 year term policy) for roughly $20 a month!!!!!
If I knew then (when I was 20) what I know now, I would be very, very wealthy now. The younger you are and the sooner you start to save and invest in your future, the better off you will be. I can help you save cash and accumulate wealth for the future purchase of a home, to start a business or for your retirement. Call me today, send me an email or "inbox me" on Facebook. Pass it on.
Until next always be safe, use wisdom.


If you would like more information or if you have any comments, questions or suggestions, please call me or email me at 773-251-1865 or, or

Genya Harley
Financial Consultant
Mutual of Omaha
19255 Everett Lane, Suite C
Mokena, IL 60448

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