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[Insur](/topic/insur)

### Top Social Posts

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"The average person is blindly investing in a 401k IRA or mutual fund with no real understanding of how they work or what a loss actually means. Most people have never even heard of sequence of returns which is the order in which the market goes up and down. When you are young you have time to wait for the market to recover. When you are older the wrong sequence of returns can destroy your retirement even if the market averages the same return over time. A loss in your 50s or 60s hits different. You are withdrawing money to live while the market is dropping and you do not get those dollars"  
[TikTok Link](https://www.tiktok.com/@_melissamarieofficial2.0/video/7563692509201698061) [@_melissamarieofficial2.0](/creator/tiktok/_melissamarieofficial2.0) 2025-10-21T15:10Z 19.9K followers, XXX engagements


"Yall we gotta understand having the new life insurance makes total sense Hear me out Think about it: Living benefits matter for our community THE MOST because too many of us are getting hit with the same diagnoses over and over. High blood pressure diabetes.strokes heart diseasecancerkidney diseasedementia sickle cell and major injuries from accidents are wiping families out financially long before death ever happens We wait until the doctor gives us bad news then try to fix everything with prayer GoFundMe and stress. That is playing defense. Living benefits allow you to play offense. With"  
[TikTok Link](https://www.tiktok.com/@_melissamarieofficial2.0/video/7563312467909020942) [@_melissamarieofficial2.0](/creator/tiktok/_melissamarieofficial2.0) 2025-10-20T14:35Z 19.9K followers, XXX engagements


"Most people ONLY know the death benefit but the new version of life insurance comes with living benefits that pay YOU while you are still alive if life takes a turn Here are the three main types that my plans include and how they work. 😷Critical Illness This pays you a portion of your policy if you are diagnosed with a serious medical condition that is life threatening or requires major treatment. A doctor must confirm the diagnosis. This can include events like a heart attack stroke cancer. major organ failure or a major surgery like a coronary bypass. Instead of draining savings or"  
[TikTok Link](https://www.tiktok.com/@_melissamarieofficial2.0/video/7563049752225418510) [@_melissamarieofficial2.0](/creator/tiktok/_melissamarieofficial2.0) 2025-10-19T21:36Z 19.9K followers, 1224 engagements


"An annuity is a retirement account that pays you steady income for life like your own personal pension. You can fund it with one lump sum or monthly payments and its designed to give you peace of mind when you stop working. 💰 Here are X reasons people choose annuities: X Guaranteed lifetime income they cant outlive X Protection from stock market losses X Tax deferred growth just like a 401(k) X The ability to leave money to a beneficiary X Peace of mind knowing their retirement check is predictable If youre planning for retirement and want to explore your options book a call in my bio 📲"  
[TikTok Link](https://www.tiktok.com/@_melissamarieofficial2.0/video/7561527304472546573) [@_melissamarieofficial2.0](/creator/tiktok/_melissamarieofficial2.0) 2025-10-15T19:08Z 19.8K followers, 1762 engagements