Why People Buy Life Insurance

For the Death Benefit:

• To replace earning power at death
• To pay for cash needs that arise at death

As a Disciplined Savings Program*:

• To help pay for educational costs
• To supplement retirement income
• To take advantage of business opportunities
• For financial emergencies

Because of the Risk of Waiting:

• To replace earning power at death
• To pay for cash needs that arise at death

For the Tax Advantages:

• Death proceeds are received free of income tax
• Cash value accumulations are tax deferred
• Cash value loans or withdrawals* are free of tax, as long as the policy stays in force
• Accelerated death benefits are received free of income tax

In Recognition of Personal Responsibility to:

• Family
• Banker
• Mortgage company

For the Flexibility:

• Benefits may be available regardless of whether the policyowner lives, quits, dies or becomes disabled
• Life insurance is portable; benefits are not lost due to job changes

* Withdrawals and loans will reduce the policy’s death benefit and cash value available for use.

To Read the entire NFS September '12 Financial Facts, click here.

Please call my office for an appointment if I can assist in evaluating your life insurance needs. Remember, September is LIFE INSURANCE AWARENESS MONTH!