SOLUTIONS
FINANCIAL FITNESS
Get your money right. Understand how money works with financial literacy courss and knowledge
PHYSICAL FITNESS
Get rewarded for staying healthy and living for a better tomorrow. WE PAY YOU to say healthy.
CAREER OPPORTUNITES
Join an amazing team of community-driven, heart-centered individuals building wealth through education.
ABOUT ME
My name is Lorinda Inouye and I’ve been in the financial services industry for less than five years. I am teacher at a local high school and a mother of two. For much of my life, I never really understood how money worked. I knew that I had to prepare for my future, having come from a very modest family. Though growing up we didn’t have many luxuries, my parents did their best to provide for our family. I never once felt poor because I saw the hard work my parents committed to and how diligent they were in raising us to be successful.
As an educator and lifelong learner, I knew that there were things I was missing. As we started our own family, securing financial stability and a more comfortable future for my children has always been a priority. When I was introduced to FinFit Life, I was blown away by the prospects of being rewarded for living a healthy life, while understanding how money works. More than that, I’ve learned so much more about the financial services industry and its impact on familes across the globe.
As a licensed agent, I have had the privlege to help so many families protect their wealth and reward them for healthy living. It is my goal to continue educating those around me about how different financial vehicles can support their future endeavors, while also supporting their path to a healthier lifestyle.
I look forward to this journey with you, and cant wait for YOU to be part of this incredible movement. BOOK A CALL TODAY!
NOT YOUR TYPICAL Insurance
We’re not here for your money. We’re here to SERVE you.
If you are at all worried about your retirement or whether you will have enough to leave behind to your family, we got you covered. Unlike other insurance companies out there, we aren’t worried about getting the biggest commissions. We want you to find what’s right for you, and reward you for living your best life.
A new kind of life insurance:
The John Hancock Vitality program can help you:
- Get the protection you need for your family’s financial future
- Save on the cost of your coverage
- Earn rewards for the everyday things you do to stay healthy
About John Hancock Insurance
John Hancock helps its customers protect the people they love, grow their retirement savings and preserve their legacy for future generations. How do they do this? By providing them with thoughtful and innovative life insurance solutions that can help them reach their financial goals – at every stage of life.
In 2015, John Hancock started a new chapter in their 155-year history when they partnered with the Vitality Group to help clients live longer, healthier lives. As the first life insurance company in the United States to offer a wellness-based rewards program, John Hancock life insurance with Vitality gives customers the financial protection they need while also helping them earn savings on their premiums, shopping gift cards and travel discounts for their everyday healthy habits, like going for a walk, eating well and getting a regular health check. The John Hancock Vitality Program is just one of the many ways they support clients every day.
"Take care of your body. It's the only place you have to live. And take care of your finances. They are the wings on which your dreams will fly."-JIM ROHN
WHY FINFIT LIFE IS SO UNIQUE
INDUSTRY LEADERS
Our CEO, Howard Sharfman
has been recognized as a leading figure in the insurance industry for over two decades, known for his focus on serving families. Sharfman has been acknowledged by Forbes as one of the top financial security professionals in the country.
THE MOVEMENT
The #finfitlifemovement encourages clients and community members to engage in healthy living, while also participating in charitable work. We aim to create healthier, happier communities through fitness events and offerings.
THE BUSINESS
FinFit Life has a compensation plan like no other. Business owners are equipped with a toolbox of supports to succeed and create positive impact on those around them, while providing for their families as well.
ARE YOU READY FOR RETIREMENT?
59%
67YO
of workers plan to work in retirement.
The Social Security full retirement age stands at 65 for individuals born in 1937 and prior, 66 for those born between 1943 and 1954, and 67 for those born in 1960 onwards
30%
On average, women have saved 30% less than men by the time they are ready for retirement.
The most common types of outstanding debt among a group of retirees were credit cards, mortgage loans, and car loans
9
10
OF
stated that the most common financial fear in retirement is inflation, according to a study.
The median retirement savings balance of Americans is $86,900.
TAXES AND RETIREMENT
Retirement Plan | Contributions | Tax on Growth | Withdrawals | RMDs | Limitations |
Traditional IRA | Pre-tax | Tax-deferred | Taxed as income | Yes, at 72 | Deductibility phases out at higher incomes; $6,000/year contribution limit ($7,000 if 50 or older) |
Roth IRA | After-tax | Tax-free | Tax-free (conditions apply) | No | Income limits for contributions; $6,000/year contribution limit ($7,000 if 50 or older) |
401(k) | Pre-tax | Tax-deferred | Taxed as income | Yes, at 72 | $20,500/year contribution limit ($27,000 if 50 or older); Penalties for early withdrawal |
Roth 401(k) | After-tax | Tax-free | Tax-free (conditions apply) | Yes, at 72 | $20,500/year contribution limit ($27,000 if 50 or older); No income limit for contributions; Penalties for early withdrawal |
Financial Fitness
HOW CAN INSURANCE HELP YOU?
Universal Life Insurance (UL) is a form of permanent life insurance that includes a cash value component, which grows over time, and offers lifelong coverage as long as premiums are paid. It's known for its flexibility, allowing policyholders to adjust their premium payments and death benefits. The cash value earns interest, and policyholders can borrow against or withdraw from this cash value under certain conditions.
Indexed Universal Life Insurance (IUL) is a type of UL policy where the cash value's growth is tied to a stock market index, such as the S&P 500. Unlike traditional UL policies that provide a fixed interest rate, the cash value in IUL policies can increase based on positive market performance, but they also usually offer a guaranteed minimum interest rate to protect against market downturns.
People might consider cash accumulation policies like UL and IUL for several reasons, including the potential for tax-advantaged growth of cash value, the flexibility to adjust premiums and coverage, and the opportunity to use the cash value for loans or withdrawals, which can serve as an additional source of retirement income or for other financial needs. These policies can also be used for estate planning, business succession, and other financial strategies due to their flexibility and the potential for cash value accumulation
PREPARING FOR THE FUTURE
Research shows that investing in life insurance for your children can be a smart move for their future wealth and protection.
Life insurance policies for children often come with lower premiums and can accumulate cash value over time. This not only secures their financial future but also offers lifelong protection. Additionally, it can serve as a valuable savings vehicle, helping them build a financial foundation from an early age.
Don't wait - explore the benefits of child life insurance today to ensure a prosperous and secure tomorrow for your loved ones.
Health Dilemma
3
The three health risk behaviors are unhealthy diet, sedentary lifestyle, and tobacco use.
The four chronic conditions are cardiovascular disease, cancer, chronic lower respiratory disease, and diabetes.
These four conditions cause more than 50 percent of all deaths in that vast majority of communities.
4
50
Physical FiTNESS
The John Hancock Vitality Program is designed to encourage and reward healthy living among its life insurance policyholders. By participating in healthy activities such as walking, purchasing fresh produce, and keeping up with preventive health checkups, members can earn Vitality Points. These points contribute to a Vitality Status, and the higher the status, the greater the rewards, which can include savings of up to 25% on life insurance premiums.
The program offers a wide array of rewards and incentives aimed at promoting a healthier lifestyle. Some notable benefits include complimentary fitness devices, access to a multi-cancer screening test for eligible customers, discounts on healthy foods at grocery stores, and exclusive travel discounts. Members can also enjoy retail discounts from various brands, a complimentary one-year Amazon Prime membership upon reaching Platinum status for three consecutive years, a free subscription to the meditation app Headspace, and personalized health and wellness tips from experts.
Vitality's aim is to improve the health and wellness of its members while providing financial incentives. Healthy eating habits, increased physical activity, and improved mental well-being are key focus areas, with the program offering substantial rewards and discounts for engaging in health-positive behaviors. This not only benefits the physical and mental health of the participants but also potentially reduces their life insurance premiums and offers various other financial and lifestyle perks.
Canada
Philippines SOON!
Puerto Rico
Career Opportunities
"Join FinFit Life as we expand globally and embrace the ultimate laptop lifestyle!
With FinFit Life, you're not just investing in a career; you're stepping into a world of unparalleled opportunities. Our compensation plan is designed to reward your efforts substantially, allowing you the freedom to work from anywhere, anytime. Imagine a career that not only offers financial growth but also promotes a healthy and balanced lifestyle.
Whether you're seeking to transform your financial future, or aiming for the flexibility to work around your lifestyle, FinFit Life provides the platform for success. Don't miss out on this chance to be part of a dynamic, forward-thinking community. Let's make success your new standard with FinFit Life!"
For more detailed information about FinFit Life and its global opportunities, FILL OUT OUR INFORMATION FORM!
Useful RESOURCES
Check out the resources here
and be inspired by
why our movement is
so vital to communities
everywhere.
Let’s have a virtual coffeE date?
I’d love to get to know you more and see how our services would best fit your needs.