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May 11,2008

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Helpful Life Insurance Information -

Do I need Life Insurance?
         Whether you are a .boomer. an .X-er. or an .empty Nester. it is never to or too late . to         think about life insurance.

How much Life Insurance do I need?
         Every person has a different idea of what financial security means. If so, should happen         to you, how much money would you family need? You should consider:
            - Your current debt.
            - Expenses your family can expect to pay after your death.
            - Your family needs. A general, rule of thumb to calculate your life insurance needs is         to multiply your annual salary by seven.

What type of Life Insurance is right for me?
         A life insurance policy can help enable your family to remain financially if you or your         spouse should die. Insurance company understands that life is constantly changing, so we         have developed a variety of life insurance policies to meet your changing needs. And,         because many families depend on two incomes just to make ends meet various         companies, offer that can insure more than one person . protecting the total family         income.

What do I need to know about Term Life Insurance?
         Provides financial protection for a limited, specified period of time, at a lower cost than         permanent life insurance.

What do I need to know about Universal Life Insurance?
         Universal life insurance provides death benefits and income taxe-deferred savings to         help you meet your financial goals while you are living. It has many flexible features and         benefits that can change with your changing financial needs.

What do I need to know about Whole Life Insurance?
         Whole life insurance insurance provides the coverage amount to your beneficiary in the         of your death, as well as cash value savings you can use during your lifetime.


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