together, we can feed everyone. Using life insurance to make your donations go further.

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together, we can feed everyone. Using life insurance to make your donations go further.

I have to admit that I always thought that volunteering in a food bank meant I’d be putting hot food on a tray for an unfortunate homeless person. A visit to a food bank in Florida and then Three Square in Las Vegas sure opened my eyes. As the Three Square website explains, “Hungry does not mean homeless. It may surprise you to learn that, every day, working parents in Southern Nevada face an unthinkable choice between feeding their families and paying the bills.” In fact, one in seven people in southern Nevada struggle with hunger. That is a staggering number considering the prosperity that abounds in Las Vegas.

Through community partners, Three Square was able to reach nearly 140,000 individuals struggling with hunger each month in 2016. Three Square is an amazing and very efficient food collection, preparation, and distribution center in Las Vegas. Their efficiency means they can turn a $1 donation into 3 meals. The best grocery store shoppers can’t even come close to that ratio. In fact, Three Square is so efficient, 94.1% of all donations and revenue go directly into their food and distribution programs. 3.7% of revenue is spent on fundraising efforts, and administration expenses are only 2.2%! That’s impressive! Donation money is spent very wisely and efficiently.

Donating to an organization like Three Square truly helps people in our community survive. The need is tremendous and still growing. Donations are needed every day to help those currently in need. Every $1 donated provides 3 meals. Donating $1,000 to Three Square will provide 3,000 meals. Now imagine if you could help 100,000 times more! Imagine providing 300,000 meals to those in need; how about 3,000,000 meals?! Life insurance is the way to make your money go farther. Using life insurance as a donation instrument is a way to make your money more efficient and go further than imaginable. Rather than using your cash as a donation, you can purchase a life insurance policy that will provide 4 or 5 times more money to Three Square. Purchasing a $1,000,000 life insurance policy, designating Three Square as the beneficiary, is an ideal way to create a legacy without using $1 million from your estate. Imagine how you’d feel by providing 3,000,000 meals to hungry people in southern Nevada!

To make your money go even further, one of the life insurance providers we use at Universal Retirement will also contribute an additional 2% of any death benefit designated to Three Square. That’s an extra 60,000 meals!

Let’s all help eradicate hunger in our community.


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Are You Gambling With Your Retirement?



Joe and Andy were childhood friends, and they kept their friendship alive all through their lives. They didn’t move far from their hometown, and they always made time for each other, playing poker once a week for 25 years, going on fishing trips together, and attending football games at their local high school.

They were good buddies, but although they shared a lot in their lives, they didn’t share the same approach to saving for retirement. Joe was a long term thinker, and he gave a lot of thought to his retirement. He put as much of his pay as he could into his 401k plan, and he managed to diversify into real estate, annuities, and even a cash value life insurance plan that would provide a tax-free income. He lived modestly, and didn’t buy much on credit, because he didn’t want to be in debt.

Andy couldn’t be bothered with that. He never had a budget in his life, and he always bought whatever he wanted. He lived in a bigger house than he could afford, and he traded in his cars every two years for a newer, more expensive model. He borrowed against his 401k and never put aside anything extra. When he got laid off in his 50s, he never found another job with the same pay or benefits, and he dipped into his retirement fund to finance his lifestyle.

When Joe and Andy turned 65, their lives were very different. Joe and his wife Susan were able to start receiving income from their annuities and life insurance policy, so they were able to buy a vacation home. They had enough money to live comfortably in both of their properties, plus take a couple of vacation trips each year.

Andy and his wife Diane had only Social Security to live on, and they had to move to a smaller house, sell one of their cars, and cut back in every area of their lives. Andy even had to stop playing poker with Joe every week, because he didn’t have the money for it!

In poker terms, Joe and Andy played their cards differently, and that made all the difference in their retirements!

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