{"id":4904,"date":"2017-01-05T16:15:17","date_gmt":"2017-01-05T16:15:17","guid":{"rendered":"http:\/\/schadlerfinancial.com\/?page_id=4904"},"modified":"2024-08-28T05:34:00","modified_gmt":"2024-08-28T05:34:00","slug":"life-insurance-made-easy","status":"publish","type":"page","link":"https:\/\/ohiogrowthassociation.com\/?page_id=4904","title":{"rendered":"Life Insurance Made Easy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4904\" class=\"elementor elementor-4904\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fd2d91a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fd2d91a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-446f68b7\" data-id=\"446f68b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4faa699d elementor-widget elementor-widget-heading\" data-id=\"4faa699d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Life Insurance Made Easy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5c4a5f elementor-widget elementor-widget-shortcode\" data-id=\"5e5c4a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ast-breadcrumbs-wrapper\">\n\t\t\t<div class=\"ast-breadcrumbs-inner\"><nav role=\"navigation\" aria-label=\"Breadcrumbs\" class=\"breadcrumb-trail breadcrumbs\" ><div class=\"ast-breadcrumbs\"><ul class=\"trail-items\" ><li  class=\"trail-item trail-end\"><span><a href=\"https:\/\/ohiogrowthassociation.com\" rel=\"home\"><span >Home<\/span><\/a><\/span><\/li><\/ul><\/div><\/nav><\/div>\n\t\t<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-643a4d0e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"643a4d0e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7d9fad4a elementor-invisible\" data-id=\"7d9fad4a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af51f3a elementor-widget elementor-widget-heading\" data-id=\"af51f3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Life Insurance Made Easy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-403ee2e6 elementor-widget elementor-widget-text-editor\" data-id=\"403ee2e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most people do not like the thought of having to purchase life insurance of any kind. Most people buy term life even though over 93+% of the time the death benefit doesn\u2019t pay. We prefer to help clients understand the benefits of life insurance and how you can use certain polices both while living and at death.<\/p><p><span style=\"text-decoration: underline;\"><span style=\"color: #818285; text-decoration: underline;\">Life insurance you don\u2019t have to die to use<\/span><\/span><\/p><p>Our preferred life insurance policy is <a href=\"https:\/\/johnd179.sg-host.com\/tax-free-retirement\/\">Retirement Life<\/a>\u2122. It\u2019s <a href=\"https:\/\/johnd179.sg-host.com\/tax-free-retirement\/\">Retirement Life<\/a>\u2122 because you do not have to die to obtain the benefits of using it. The policy has the following benefits:<\/p><p><span style=\"color: #000000;\">&#8211;<span style=\"color: #818285;\">Tax-free accumulation of wealth<\/span><\/span><br \/><span style=\"color: #000000;\">-Cash growth is pegged to the S&amp;P 500 stock index<\/span><br \/><span style=\"color: #000000;\">-There is <span style=\"color: #ff0000;\">NO downside risk<\/span> (your money never goes backwards due to market downturns)<\/span><br \/><span style=\"color: #000000;\">&#8211;<span style=\"color: #818285;\">Tax free use of the cash as a supplemental retirement vehicle<\/span><\/span><br \/><span style=\"color: #000000;\">-A <span style=\"color: #818285;\">free<\/span> long-term care benefit<br \/>-A <span style=\"color: #818285;\">free<\/span> critical-illness benefit<br \/>-A <span style=\"color: #818285;\">free<\/span> terminal-illness benefit<\/span><\/p><p>Do the above benefits sound like a life insurance policy you\u2019ve ever heard about before? If not, and if you would like to learn more about Retirement Life\u2122, please <a href=\"https:\/\/johnd179.sg-host.com\/tax-free-retirement\/\">click here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42ef7b6 elementor-widget elementor-widget-heading\" data-id=\"42ef7b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The basics about life insurance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-556f46d0 elementor-widget elementor-widget-text-editor\" data-id=\"556f46d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We believe that more people would warm up to life insurance if they just understood how it works and why one policy over another can be beneficial. In the material, you can learn about the main types of life insurance and why you might prefer to use one type of life insurance to another. Simply click on the links below to bring up a summary on each.<\/p><p>&#8211;<a href=\"http:\/\/www.uploadedimages.net\/PDFs\/termli.pdf\">Term Life Insurance<\/a><br \/>&#8211;<a href=\"http:\/\/www.uploadedimages.net\/PDFs\/rop.pdf\">Return of Premium Term Life Insurance<\/a><\/p><p>Before you are ready to fully discuss the different types of policies and which one may be a good fit for your situation, we recommend that you <a href=\"https:\/\/johnd179.sg-host.com\/cvl-policies\/\">click here<\/a> to read a nice summary about the different aspects of life insurance policies.<\/p><p>&#8211;<a href=\"http:\/\/www.uploadedimages.net\/PDFs\/wholel.pdf\">Whole Life Insurance Policies<\/a><br \/>&#8211;<a href=\"http:\/\/www.uploadedimages.net\/PDFs\/universalli.pdf\">Universal Life Insurance<\/a><br \/>&#8211;<a href=\"http:\/\/www.uploadedimages.net\/PDFs\/eiul.pdf\">Indexed Universal Life Insurance Policy (IUL)<\/a><\/p><p>If you\u2019ve clicked on the tabs above and read the material, you will know that we like the use of cash value life both to protect the family and as a financial tool to help supplement a client\u2019s retirement income.<\/p><p>While we do not like to see clients buy term life insurance, we know that it is needed by some of our younger clients because they cannot afford permanent insurance. Having said that, we also know that many clients who can afford permanent insurance just cannot see the value in such policies and for them we recommend return of premium term life so they can at least have their premiums returned to them at the end of the term.<\/p><p>Finally, we are proponents of IUL policies (<a href=\"https:\/\/johnd179.sg-host.com\/tax-free-retirement\/\">Retirement Life<\/a>\u2122) for those clients who want to have minimum guarantees on the cash value in their policies while at the same time having upside growth pegged to the S&amp;P 500 index. With IUL policies, you can have security and reach for good growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-329deeb2 elementor-widget elementor-widget-icon-box\" data-id=\"329deeb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you would like <span style=\"text-decoration: underline\"><span style=\"color: #818285;text-decoration: underline\">more information<\/span><\/span> on the different types of life insurance policies in the marketplace and to have a discussion about which one is the <span style=\"text-decoration: underline\"><span style=\"color: #818285;text-decoration: underline\">best fit for your situation<\/span><\/span>, please <a href=\"https:\/\/johnd179.sg-host.com\/set-a-virtual-consultation\/\">click here to sign up for a free virtual consultation<\/a>.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-962fd4 elementor-invisible\" data-id=\"962fd4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-760d8fc elementor-widget elementor-widget-template\" data-id=\"760d8fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"23893\" class=\"elementor elementor-23893\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-ad6f994 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad6f994\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0959eb elementor-invisible\" data-id=\"b0959eb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0e8011c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e8011c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7d23502\" data-id=\"7d23502\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb26fe0 elementor-widget elementor-widget-heading\" data-id=\"eb26fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FINANCIAL LITERACY COURSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-688264e elementor-widget elementor-widget-image\" data-id=\"688264e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" width=\"275\" height=\"410\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-7321 lazyload\" alt=\"\" \/><noscript><img decoding=\"async\" width=\"275\" height=\"410\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" class=\"attachment-full size-full wp-image-7321\" alt=\"\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-030e2c0 elementor-widget elementor-widget-heading\" data-id=\"030e2c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45cac5b elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"45cac5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\" tabindex=\"-1\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\" tabindex=\"-1\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\" tabindex=\"-1\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\" tabindex=\"-1\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\" tabindex=\"-1\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\" tabindex=\"-1\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\" tabindex=\"-1\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\" tabindex=\"-1\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-abfbbb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abfbbb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16a2920 elementor-invisible\" data-id=\"16a2920\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c0923c elementor-widget elementor-widget-heading\" data-id=\"5c0923c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qualified Retirement Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-058e169 elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"058e169\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\" tabindex=\"-1\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\" tabindex=\"-1\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-24aa642 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24aa642\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a1d38 elementor-invisible\" data-id=\"20a1d38\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f29cc elementor-widget elementor-widget-heading\" data-id=\"67f29cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-Term Care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb020d elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"2eb020d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a 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Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f6ecc3 sidebar-main elementor-widget elementor-widget-sidebar\" data-id=\"22f6ecc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<aside id=\"media_image-3\" class=\"widget widget_media_image\"><h2 class=\"widget-title\">FREE Financial Literacy Course<\/h2><a href=\"https:\/\/learn.financialliteracycourse.net\/sign-up\/roccy-personal-account-2\/?gid=955&#038;unDvKxpAYLHpA\" target=\"_blank\"><img decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" width=\"275\" height=\"410\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"image wp-image-7321  attachment-full size-full lazyload\" alt=\"\" style=\"max-width: 100%; height: auto;\" title=\"FREE Financial Literacy Course\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"410\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" class=\"image wp-image-7321  attachment-full size-full\" alt=\"\" style=\"max-width: 100%; height: auto;\" title=\"FREE Financial 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href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"menu-link\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"menu-link\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"menu-link\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"menu-link\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"menu-link\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"menu-link\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"menu-link\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"menu-link\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"menu-link\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"menu-link\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"menu-link\">Buy Sell Education<\/a><\/li>\n<\/ul><\/nav><\/aside><aside id=\"nav_menu-2\" class=\"widget widget_nav_menu\"><h2 class=\"widget-title\">Qualified Retirement Plans<\/h2><nav class=\"menu-qualified-retirement-plans-container\" aria-label=\"Qualified Retirement Plans\"><ul id=\"menu-qualified-retirement-plans\" class=\"menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"menu-link\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"menu-link\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"menu-link\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"menu-link\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"menu-link\">Defined Benefit Plans<\/a><\/li>\n<\/ul><\/nav><\/aside><aside id=\"nav_menu-11\" class=\"widget widget_nav_menu\"><h2 class=\"widget-title\">Long-Term Care<\/h2><nav class=\"menu-long-term-care-container\" aria-label=\"Long-Term Care\"><ul id=\"menu-long-term-care\" class=\"menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"menu-link\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"menu-link\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"menu-link\">Long-Term Care Insurance<\/a><\/li>\n<\/ul><\/nav><\/aside>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life Insurance Made Easy Life Insurance Made Easy Most people do not like the thought of having to purchase life insurance of any kind. Most people buy term life even though over 93+% of the time the death benefit doesn\u2019t pay. We prefer to help clients understand the benefits of life insurance and how you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4904","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4904"}],"version-history":[{"count":0,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4904\/revisions"}],"wp:attachment":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}