| What if... ... You had a major medical claim? Medical claims are the leading cause of bankruptcy in the United States. Nearly 75% of people who declared bankruptcy for medical reasons had health insurance. They didn't have a plan in case they actually had to use it. ... You were laid off or out of work for an extended period of time. In 2008 and 2009 a lot of people found themselves in that situation. Many of them were forced to liquidate their IRA's and paid substantial penalties. There is a very good chance that you will have to go a few months without a paycheck. It may be from an illness, changes in the economy, or by choice. It is a very good idea to set aside enough money to get through 3-6 months of basic living expenses. ... You weren't able to do your job anymore? You are far more likely to have an extended disability, than you are to die. If you are carrying life insurance, that is just one step towards protecting your family. A long term disability plan can help you and your family maintain a better standard of living, if something should keep you from performing the job you are trained to do. |
| Don't just get a policy... ...Get a plan! |

| •Home & Auto •Annuities •Life & Health Insurance •Commercial Insurance •Disability insurance •Medicare Supplements |
