Insurance Policies

What is Life Insurance?

Life insurance is designed primarily to protect your family’s financial security after you die.  Life insurance can also help you build assets to meet needs during your lifetime.  It’s a smart addition to any financial plan—because it can serve different functions within your overall investment strategy. 

Life insurance can:

*        Help pay off your debts and taxes after your death

*        Allow your family to maintain their standard of living

*        Support your dependents’ goals and dreams

*        Provide immediate access to cash

Life insurance may also serve as:

*        A supplement for your retirement income

*        A funding vehicle for a college education, starting a business, or buying a second home

Why do I need Health insurance?

You never know what will happen next year, next week or even tomorrow.  That is why health insurance is so important.  If you were to suffer from a serious illness or injury, the medical costs could be enormous.  If you were not properly prepared, the unexpected expenses could mean financial hardship. 

What is Disability Insurance?

You work hard to give your family what they need.  That’s why your income is one of your most valuable assets. If a total disability took away your ability to work, your income could stop – but the bills never would.  With Disability Income protection you’ll have the reassurance that you’re prepared for the unexpected.

Source: Fidelity Investments The Basics of Life Insurance (12/01)

            American Community Medalist Health Insurance for Individuals & Families (2525-0372 R2)

            Illinois Mutual Understanding Income Protection (2000)