Part 1
1. Lock in a lower premium rate: Purchasing life insurance in your 30s allows you to lock in a lower premium rate, making it very affordable while you are still young and healthy

2. Protect your family financially: If you have a family, life insurance can help protect them financially in the event of your unexpected death. It can help cover expenses such as funeral costs, outstanding debts, and living expenses

3. Provide for your children's future: If you have children, life insurance can help provide for their future needs, such as college tuition or other expenses

4. Cover outstanding debts: If you have outstanding debts, such as a mortgage or student loans, life insurance can help cover those debts in the event of your unexpected death

5. Peace of mind: Having life insurance can provide peace of mind, knowing that your loved ones will be taken care of financially if something were to happen to you

How much does life insurance cost?
the approximate monthly cost of $400000 worth life insurance by age, and sex. Start with 20 years of age to 60 by 10 year increments.  Then show the same thing for a million dollars.
Age	Male Term ($400,000)	Female Term ($400,000)	Male Term ($1,000,000)	Female Term ($1,000,000)			
20	$20.00 	$17.00 	$42.00 	$33.00 			
30	$21.00 	$18.00 	$47.00 	$38.00 			
40	$31.00 	$26.00 	$82.00 	$64.00 			
50	$62.00 	$47.00 	$197.00 	$142.00 			
60	$157.00 	$105.00 	$540.00 	$365.00 			
							
Should you want to also consider whole like because of its investment and savings components, that too is very doable.
Please schedule yourself on my calendar at this link and let's talk.  Things can go faster if you have the social security numbers handy for your beneficiaries when the policy is written.
https://calendly.com/cliftongadsden-tfa-1/free-30-minute-consultation  

Part 2
Unleash Your Earning Potential: Become a Part-Time or Full-Time Life Insurance Agent Today!
What about becoming a Part-Time Life Insurance Agent?

According to ZipRecruiter, a part-time life insurance agent in the United States can expect to make an average annual salary of $55,414.  BUT, it's important to note that insurance agents don't actually earn salaries because they're independent business owners in charge of their own income.
The average salary for a life insurance agent in the United States is $62,552, with salaries typically ranging between $39,000 and $99,000 a year.

To become a life insurance agent in the United States, there are several requirements that must be met. 
1. Meet the minimum age requirement. Most states require that insurance agents be at least 18 years old and have a high school diploma or GED in order to earn their insurance license.
2. Complete a pre-licensing course. Most states require you to complete a pre-licensing class, which can be taken online or through an in-person course. The number of hours required varies by state and type of insurance license.
3. After completing the pre-licensing course, you must pass a licensing exam. The exam covers state insurance laws, policy provisions, and insurance regulations.
4. Once you pass the licensing exam and meet all other requirements, you can apply for your insurance license. Licenses are issued by the state in which you plan to work

Please schedule yourself on my calendar at this link and let's talk.  https://calendly.com/cliftongadsden-tfa-1/free-30-minute-consultation 


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