Insurance

Longevity

Sunday, July 26th, 2009

How long is your life cycle?

Knowing your estimated longevity is critical for taking control of your life. The Janus Life Cycle Strategy is based on  knowing where you  are currently in your life cycle and your estimated length of  life.

On a piece of paper write down the following:

The average life expectancy of an American is ____78.5____

How old am I?   (write down your age)          ___________

How long do I have to live?    (78.5 - age)        ___________

This is a rough estimate of your longevity. Your individual life expectancy may vary significantly from the average.

Knowing what you have accomplished, and what you have done to yourself so far in your life, defines who you are TODAY. This identifies the risk group you should be compared to when determining your average life expectancy.   This will give you a more accurate estimate of the time you may have to:

(1) accomplish what you set out to do with your life; and more important,

(2) take charge of your life and maybe extending your life by changing your risk group.

Remember that today is the first day of the rest of your life. That is true today and it will be true tomorrow.

When you REGISTER with Janus Life Coaching, you qualify to have FREE access to a wide range of resources to assess your risk group and begin to manage your life cycle and your life. We continue to assemble and make available resources to help our members manage their lives.

Longevity Explained

Your life cycle is the period between your conception (birth) and your death.  Normally, and the insurance industry depend on this, you will live a normal (average) life span for a person with your characteristics. Some individual life cycles are cut short by accidents or disease.  This is the tragedy of war, accidents, disease and violence.

Your normal characteristics are your genetic potential (heredity), your behavior (lifestyle), and your activity (risk exposure). Insurance companies spend a lot of money to refine their knowledge of each of these categories to determine the differences within and between categories. They then use this information to “value” the risk that you will make it average age for your classification.

Life Insurance and You

That’s what insurance companies do — they offer you the opportunity to bet against yourself living as long as is normal for people just like you. And, when you buy the contract, you are betting against yourself. You are betting that you will die before the others just like you do. They profit from this information, why shouldn’t you?

This is the financial side to knowing why the length of your life cycle is important.

Personal Responsibility and You

On the personal side, knowing what your life expectancy can be wonderful and frightening. Wonderful because it would allow you to plan your life and have greater control over how you invested and spent your time.  Frightening because knowing with certainty the time you will die would imposes  tremendous responsibility and burden on you.

Luckily, neither you nor the  insurance company know exactly how long your life cycle will be.

But wouldn’t it be helpful to know, in general terms, just how much time you have left. Wouldn’t it make you stop and consider what you are doing now with your life?  Wouldn’t it make you ask, “What do I want to accomplish in my remaining time?

People, who come through a near death experience, report themselves asking.

“What if I had died?”

“Why did I survive?”

“What have I accomplished in my life time?”

“Would I be leaving my loved ones better or worse off without me?”

Asking such questions can lead to significant changes in one’s outlook on life and behavior. You don’t need to survive a near death experience in order to ask yourself the same questions.

Janus says

Janus says

By  answering these questions for yourself, you can take responsibility for you life today .

YOU CAN CHANGE YOUR LIFE — IF YOU WANT TO!!!

REGISTER TODAY

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