Life insurance can be as simple - or as complicated as you want it to be. There is Whole Life, Universal Life, Indexed Universal Life (IUL), Variable Universal Life, Return of Premium, and many terms such as 1, 5, 10, 15, 20, 25, and 30 year increments available. You can pay the premiums, and in certain situations there are companies that will pay the premiums for you. Some important factors in deciding how much life insurance to purchase would be your net worth, income that you want to protect on a monthly basis - and for how long, whether or not it will be used to supplement retirement income, and how much disposable income is available to cover insurance premiums. Also, in some instances you can sell your life insurance policy to certain investment companies out there.
There are also many factors to BEWARE of. There are a few companies out there which cater to individuals that are part-time and have a limited knowledge of how these policies actually work. Don't get caught with a huge surrender charge when you expected to pull out cash within the next few years - and don't get caught by a policy lapsing because the agent didn't set it up properly. That can be a very expensive and heart-breaking situation. If you take your family and assets seriously, it's time to make a move and protect them both. #MoveToFLiP

Meet Scotty Carlisle

Founder of FLiP Creative Consulting, has been in the insurance and financial services business since March of 2002. After Graduating from Georgia Southern University with a Bachelor Degree in Logistics, he became a Logistics Management Trainee for Ferguson Enterprises – and then decided the logistics of financial planning was a more exciting direction to go. Since then, he has acquired many diverse licenses that have given him a unique educational and experiential advantage to most financial advisers around.
He earned a Master Degree in Science, Entrepreneurship and Innovation from the University of Southern California in 2015. As an entrepreneur, he has created several companies from scratch. Financial services have been the staple that has allowed him successes when challenges arose. As Chief Operations Officer of AES, a major experiential marketing organization – Scotty had first hand experience handling the financial and marketing needs of Chrysler, Subaru, Toyota, Skype, and Microsoft to name a few. Scotty managed every aspect of the organization from Logistics, Payroll, Accounting, Administration, Company Benefits, Group Health, Workers Compensation, Liability Insurance, and even data collection and Promotional Staff employment. The experiences as a decision maker in this organization has given him first hand knowledge of the challenges that small business owners face today.
As founder of the My Unsung Hero Foundation, he understands what it means to give back, and does so quite regularly.

Learn More
<div class="row"><div class="col-md-12"><iframe width="560" height="315" src="" frameborder="0" allow="autoplay; encrypted-media" allowfullscreen></iframe></div></div>

Blog Post

Jun 08, 2017 @ 8:42pm


Should I “buy term insurance and invest the difference”?

The best answer to this age old question is…. “maybe”. I hear these type of phrases often, but the fact of the matter is that statement is too generic for…

Read More