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Could
your family keep your home
without your income?
We
know how important your home is to your family's
security. However, without adequate
protection, your death or disability could mean the loss of your home.
Our belief is the most
valuable property you own is standing right in your own shoes! It's YOU!
and it represents your earning capacity!
Life
Insurance:
Like health insurance it is important to get life insurance as early as
possible to ensure your insurability. All
people need life insurance. The question is how much do you need to protect your
family/estate?
Disability
Insurance: This
policy continues your income during a disability so you can continue to make
timely payments on your home, car, and charge cards. It can help you retain your
possessions, your good credit rating, and your peace of mind - so you can get
on with the important business of recuperation.
Our
licensed professionals help you select a plan that fits your budget while giving
you the coverage you and your loved ones can rely on.
| Age |
Chance of Death
in 15 years* |
Chance of disability
within 15 years* |
| 25 |
1 in 29 |
1 in 8 |
| 35 |
1 in 15 |
1 in 5 |
| 45 |
1 in 7 |
1 in 3 |
* Statistics from 1985 Commissioner's Individual Disability Table A and 1980 CSO Mortality Table
Your family protection options:
Low Cost Term Life
If you want pure insurance coverage at the lowest initial cost, a term insurance policy may work best
for you. These plans are designed for temporary needs, with premiums based on your age and coverage
amount. The protection ends at the end of the policy period.
You can buy a term policy alone, or add a disability income rider and a waiver of premium rider for
added protection. You can also convert your term policy to permanent insurance if your needs change.
Your term life insurance benefit is income tax free to your beneficiaries.
Low Cost Disability Income Protection
A disability income rider pays you a monthly benefit for two years if you become disabled. You are
eligible for benefits after 60 days of total disability (the inability to work at your own occupation).
Your maximum monthly benefit is 1% of your term insurance amount or 35% of your monthly gross income,
whichever is less.
Waiver Of Premium
A waiver of premium rider waives your life insurance premiums if you are disabled, so you don't risk
losing your coverage.
Copyright 1998 Insurance Concepts, Inc.
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