LIFE INSURANCE

“NOT an option, A Necessity”

OVERVIEW

Inform about the percentages of people with life insurance

Types of life insurance and differences

Recommendations

It only takes about 30 seconds to get a life insurance quote

About 10 minutes to apply for life insurance

Don’t be part of those 95 million Americans without Life insurance

Types of life insurance

1.Term Life Insurance Policy◦Pays if ensured dies during the term◦You can review most terms insurance

policies for one or more terms

2. Permanent Life Insurance (cash value)

◦Can build cash value over time◦Can borrow against the cash value

Types of Permanent Life Insurance

1.Whole Life Insurance◦ Guaranteed annual cash value

growth ◦ Guaranteed death benefit

2. Universal Life Insurance◦ Lets you determine amount &

timing of premium payments3. Variable Life Insurance

◦ Allows allocation of investment

RECOMMENDATION

1. Inform yourself about different insurance companies

2.Talk to agent and determine the type of life insurance best for you

3. Pay attention to you life insurance illustration

4. Be aware of medical evaluation and how affects your premium

5. Review your policy constantly throughout your life.

Rating title Insurance companies

Remember…

Don’t let for tomorrow what can be done today