Harmonic Review: Build Your Financial Safety Net

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There’s never been a more important time than now to build a financial safety net. In 2020, the pandemic brought many people to their knees. It was definitely a wake-up call for me.

We had a “baby” emergency fund but quickly realized that wasn’t enough. While we locked-down our social habits and stayed home, we put our budget on lockdown, too. Saving money and building a safety net for our finances suddenly became the most important goal.

Having money available when life hits you hard is the key to financial success. 

While each person can have a different definition of financial success, everyone needs an emergency fund and the right insurance to safeguard their family and their future.

It sounds overwhelming, but Harmonic is here to help you take the steps to achieve that success. 

Think of it as your money coach, taking stock of where you’re at and helping you build the best financial safety net for your situation.

Keep reading this Harmonic review to see if it’s right for you.

What is Harmonic?

Harmonic is an online community that works to help you protect your loved ones through building your financial safety net. 

They know how easy it is to feel overwhelmed with making difficult financial decisions and sorting through the many options out there.

But the platform takes the stress out of building your financial safety net. The online interface is easy to navigate, and it’s free to use.

How Harmonic Works

If you’ve ever thought that saving three to six months of expenses is impossible, you’re not alone. Most Americans don’t even have $1,000 saved for an emergency.

But Harmonic wants to help. 

And it rewards your progress with gifts.

Your first gift is a complimentary $10,000 insurance policy that doesn’t cost you anything.

It’s true.

Once you decide you’re ready to strengthen your financial safety net and take that first step, Harmonic rewards you with an insurance policy.

Here’s how to start:

  1. Sign up for your free membership
  2. Enter your email, name and answer a few identifying questions
  3. Give your address so Harmonic can mail insurance documents to you
  4. Select a beneficiary for your complimentary policy
  5. Choose a password for your Harmonic account

Once you’re inside your account dashboard, Harmonic provides links to the suggested plans and programs to meet your financial needs. 

There are no complicated conversations, heavy sales pitches or impossible applications. 

Choose the offers that can strengthen your financial safety net and you’ll be well on your way to achieving financial peace. 

Harmonic will help you feel educated, informed and empowered with the information you need every step of the way. 

What I Love about Harmonic

There’s a lot to love about Harmonic, but I’ll start with the complimentary $10,000 accidental death and dismemberment (AD&D) insurance policy that each member gets after joining. 

If you have an accident, your beneficiaries can receive $10,000 from this AD&D policy. Even if you have no other insurance in place, this is a great place to start.

I also love how easy it is to set up a financial safety net with Harmonic. It’s clear they understand how overwhelming the process can be, and they do their best to take the stress out of it. 

Finally, and perhaps the best part, there’s no high-pressure sales tactics. You can make decisions that positively affect your family’s financial future without pushy salespeople calling you.

Are you Financially Secure?

Take an honest look at your financial status and ask yourself these questions:

  • What would happen if you became disabled or worse, died today? 
  • Have you prepared your finances to protect you and your family in a time of turmoil?
  • What if you lost your job? Could you survive more than a month or two without income?

If you answered ‘no’ to any one of these questions, discover how Harmonic can help you set up your financial safety net today. 

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Amy Beardsley is a professional content marketing writer specializing in personal finance, insurance and FinTech. Amy's work has been featured in publications like NerdWallet, Insurify, DollarSprout and Club Thrifty. She resides with her husband and daughter near Grand Rapids, Michigan, and enjoys reading, camping and board games.



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