Dalton Heim, Bankers Life Securities Financial Representative

Many Americans think life insurance costs far more than it actually does.

In fact, young adults estimate the cost of term life insurance 5 to 6 times higher than the actual premium.*

If cost has been holding you back, it may be worth having a conversation. You might be surprised by how affordable coverage can be. Message me and let’s connect.

People are looking for guidance. Become the person they turn to.

As a financial professional and life insurance agent with Bankers Life, you'll help clients navigate important financial decisions and plan for the future.

Explore opportunities today: https://www.careersatbankerslife.com/

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Remember when your kids could “stretch” an inherited IRA over their lifetime? That’s no longer the case. Now they must withdraw the account within 10 years, which can mean a bigger, faster tax hit. If your estate plan was created before 2020, it might not reflect this change. Life insurance can help create a more tax-efficient legacy. Call me today to review your options. bankerslife.com/life-insurance

Nearly 92 million Americans have a life insurance coverage gap.*

That's 38% of adults who either don't have life insurance or may not have enough coverage to protect their loved ones.*

Life insurance can help provide financial security when it's needed most. This Life Insurance Awareness Month, take a moment to review your coverage and make sure it aligns with your family's needs.

Message me with questions.

It sounds like legal jargon, but it’s actually about your grandkids. If one of your children predeceases you, does their share go to their kids (per stirpes) or get split among your surviving children (per capita)? Most people don’t know—and it matters. Call me today to review your life insurance options.

Our most savvy clients draw down their IRAs during their lifetime—and leave life insurance to their heirs. Why? Because life insurance is tax-free, probate-free, and beneficiary-friendly. IRAs are… none of those things. Call me today to review your life insurance options. bankerslife.com/life-insurance

Retirement planning should account for every stage of retirement—including the possibility of navigating it alone. This Forbes article highlights some often-overlooked financial considerations for the "solo years" and why planning ahead matters.

Avoid These Special Financial Pitfalls Of Your Solo Years Many solid retirement plans fall apart during the solo years after one spouse passes away, because the plans do not account for key changes.

Would you hand an 18-year-old $500k in cash? If your grandchildren are minors and listed as beneficiaries, that’s exactly what could happen. A trust can control when and how they receive funds—protecting them from themselves. Call me today to review your life insurance options.

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I’m proud to celebrate older adults and the lasting impact they make every day.

As a Bankers Life financial professional, I’m committed to helping seniors approach retirement with confidence through personalized planning and guidance.

Message me and let’s connect.