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Has gone everyone my name is Derek a Fosse I'm the owner of a Fosse Financial Group and today's topic I want to discuss monumental life insurance reviewer transamerica life insurance review you're going to hear me use those two companies as monumental and transamerica actually owns monumental life so just understand whenever I say transamerica basically talking about the same thing now individuals call my office constantly regarding life insurance, and it's usually triggered by a couple different factors typically the most common is they've unfortunately experienced a death in their family, and they understood that either the person who passed away had life insurance coverage for their family and their family as is now secure financially, or they did not unfortunately they did not, and now they're seeing the family have to deal with the emotional stress of obviously losing that loved one and now the financial stress in the process monumental life is perfect transamerica you know they're an excellent process and an excellent company regarding your either short term life insurance goals or your long term for life permanent life insurance goals and what I mean by that is typically anybody wants term insurance, or you know transamerica term insurance then they want to basically have it in a very cost-efficient manner so if they understand and what I mean by that is making sure that's match up to a specific goal if somebody has you know 20 years left on their mortgage, and they call my company, and they say hey listen I just want to make sure my only goal is to make sure that my mortgage is paid off god forbid something happens to me that my spouse doesn't have to deal with that financial burden then a 20-year term policy could be set up you know properly or too dumb or 20-year term for X amount in a 10-year term for XML making sure that you're having a very cost-efficient way there's a certain lettering process regarding term insurance and how you could make sure that each goal is met and then after those certain years that the goal is no longer needed that you don't have to deal with that price anymore you know I'm a huge advocate for purchasing life insurance and making sure you're properly covered but once again you want to make sure it's proper you want to make sure that specific so that you're not pay out-of-pocket premiums, and it's not going through the roof you know 2222 heavily, and it's hitting your wallet you know too poorly the other factor and the other type that transamerica is perfect in its permanent life insurance they have a couple different whole life policies they have guaranteed universal life policies making sure that you know what if your age 95, and you pass away the life insurance is going to get paid out if your age 80, and you pass away the life insurance could get paid out, so it essentially covers you for your entire life as opposed to term which has a set duration of time so if you have a 20-year term, and you pass away...
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