Avon Insurance Brokers LLC

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Avon Insurance Brokers LLC"

Transcription

1 Avon Insurance Brokers LLC Volume 1, Issue 1 Newsletter Date: ABOUT AVON INSURANCE BROKERS (AIB) Special points of interest: What is Life Insurance? Who needs Life Insurance 4 Reasons Why a family needs Life Insurance Why should you Invest? Special Offers! A Premier Insurance Brokerage company in Dubai established in the year 1998 serving customers across Emirates with strong reputation among our customers and industry peers, AIB has acquired thousands of satisfied policy holders; we have been serving them continuously for the past several years. The company is promoted and managed by Mr. K.V. Venkateswaran a veteran in the Insurance business with over 20 years of experience. Reputation and Service are two deciding factors in choosing an Insurance provider. At Avon Insurance Brokers (AIB) we rely on our core strength in both as a Life Insurance Broker and a General Insurance Broker. We offer specialized services covering the entire gamut of Insurance solutions. Insurance is an ingenious modern game of chance in which the player is permitted to enjoy the comfortable conviction that he is beating the man who keeps the table. Ambrose Bierce Our company's reputation is based on our ability to respond quickly, fairly and effectively. Situated in the heart of Dubai's business district on Sheikh Zayed Street, At Avon Insurance Company, guiding people like you in to safe harbors has been our mission for the past several years. In association with all major Domestic and International Insurance Firms, we offer Life Insurance, General Insurance, Property Insurance, Marine, Motor Policies, Health and Medical Insurance, Individuals and Groups along with a proud tradition of personalized service stretching back to our roots in close-knit Business and Personal customers across the UAE. Your Avon Broker is your personal friend and advisor who will assess your insurance needs and provide sound and independent advice. AIB has acquired thousands of satisfied policyholders, whom we have been serving continuously for several years. We have a Database of over 30,000 clients across the region.

2 Page 2 Our Services Life Insurance Solutions: Whole Life Insurance Term Life Insurance Keyman Insurance Savings & Wealth Management : Retirement planning General Savings Child Education Plan Short & Long Term Investments Non-Life Insurance Solutions: Medical & Health Insurance, Individual and Group. Personal & Business Property Insurance Motor Accident Insurance Business Interruption Insurance Travel Insurance Money Insurance Marine Cargo & Marine Hull Insurance Workmen Compensation Insurance General 3rd party Liabilities Credit Insurance Medical Mal Practice Mortgage Insurance Commercial Property Insurance for Fire and Allied Peril What is Life Insurance? Life insurance provides you with the opportunity to protect yourself and your family from personal risk exposures like repayment of debts after death, providing for a surviving spouse and children, fulfilling other economic goals (such as putting your kids through college), leaving a charitable legacy, etc. Life insurance protection is also important if you are a business owner or a key person in someone else's business, where your death (or your partner's death) might wreak financial havoc. Life insurance is a great tool to help ensure the family s financial future. Who Needs It? Not everybody needs life insurance. If you are single and have no dependents, it may not be worth the expense. If, however, you have anyone who financially depends on you (even partially), life insurance may be appropriate for you. When considering life insurance, the questions to ask yourself are this: Do I need life insurance? How much do I need? How long will I need it? What type of policy makes sense for me? (this will be answered in our next section) Your need for life insurance will depend on your personal circumstances, including your current income, your current expenses, your current savings and your family's goals. Rules of thumb might indicate that purchasing life insurance that covers six to 10 times your gross annual income is the right amount of coverage. But, that's merely a guide. Your family may need more or less than that. When deciding how much coverage is necessary, you really have to lay out the details of what you have versus what goals you'd like for your family once you are gone, keeping in mind that their security can often carry a higher price tag than you originally thought. If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance

3 Page 3 Here are 4 reasons why every family should have it. Life insurance provides a powerful way to prepare the family financially in the event that the breadwinner is no longer around. There is no time like the present to get a quality policy and ensure that the loved ones are going to be financially secure. Here are four reasons why life insurance should be considered a necessity in today s high-cost world. Immediate Needs Are Resolved with a Life Insurance Policy Because one never knows when the benefits of a life insurance policy may be needed, it is a good idea to always be ready. Life insurance can provide money for immediate needs such as living expenses, for the costs of health care if there was an accident or illness previously, and other expenses that may be needed right away. Debts Can Be Paid Off from Life Insurance Benefits A large benefit of having a life insurance policy is that it can enable all debts to be paid immediately. This can be especially useful if there is only one income and there are mortgage payments, credit card debt, car payments, health insurance payments, and more. The insurance benefit can pay all of the debt immediately, bringing relief to the family s financial needs and providing security. Money from a life insurance policy can provide for the spouse and children and enable life to go on at the same accustomed lifestyle. Life Insurance Can Provide for the Children's Education If the children are still young, then it will be necessary to think about their future education. With the cost of a college education continually rising, financial help is apt to be needed if they are ever to get that post high school education. The proceeds from a life insurance policy can provide for some or all of their future educational needs. Retirement Can be Made More Comfortable with Life Insurance Insurance business is about promises and trust. It is about delivering to the customer in times of need. Preparation for the possibility of an early death does not automatically mean it will happen. It is quite possible to live longer than anticipated. In that event, however, cash from a life insurance policy could provide some financial help and security (depending on the type of life insurance obtained). Life insurance, whether term life insurance or whole life insurance, can enable a family to be prepared against many potential problems. Because life insurance rates do vary considerably, it will be a good idea to get several life insurance quotes before buying and then comparing the life insurance policies carefully to ensure the best coverage for the family. Fun is like Life Insurance: The older you get, the more it costs

4 Page 4 Why Should You Invest? If you keep your money in your back pocket instead of investing it, your money doesn't work for you and you will never have more money than what you save. By investing your money, you are getting your money to generate more money by earning interest on what you put away or by buying and selling assets that increase in value. Many people wonder: why invest? Well, the reasons for investments are very clear and simple. Investing or investment makes you to prepare for your future. Nobody wants to work their entire life. Investing is one good option that you can secure your future. Well, you can earn money in two ways by working or by having your assets work for you. One of the main reasons to invest is that if you keep your money with yourself instead of investing it, your money doesn't work for you. You will only have the money that you have saved. You can invest your money and generate more money by earning interest on what you have put away or by buying and selling assets that increase in value. People may have a different need to invest. Some people may think that keeping their money in the bank pays them a good interest and why should they bother to find other vehicles for investment? But not all people think in this way, there lots of people who invest their money and gain profits out of it. If you dream of earning a huge sum of money for your future, you need to invest now. It is never too late to invest. The earlier you invest the better and easier for you to build your nest egg. You may find a lot of short, intermediate or long term plans. Keep these plans in you mind when you actually think to start investing. Focus on your investment plans and generate more cash for your future. You have many reasons to invest. Investment types Types of investments: 1. Equities, Bonds, Stocks and Mutual funds. 2. SIP (systematic Investment planning (SIP) or Regular Investment Plans (RIP) 3. Single contributions, for short term or Long term 4. Structured Notes

5 We plan for what you value the most! You could earn upto 2 monthly free premiums on Life Insurance policies* AVON INSURANCE BROKERS LLC Address : Office #301 & 305, 3rd Floor, White Crown Tower, P.O.Box: 29069, Sheikh Zayed Road, Dubai, U.A.E Phone: Phone: E: You could get upto 1.5% additional allocation on single lumpsum contributions.* You could get upto 4% bonus on increased regular premiums for existing customers* *-Please check with our financial advisers for all offers Next Issue : Critical Illness explained! Visit us on

Purpose Driven Life Insurance

Purpose Driven Life Insurance Purpose Driven Life Insurance American National Insurance Company Galveston, TX Has someone ever called you on the phone and tried to sell you life insurance or another product without knowing anything

More information

International Term Assurance

International Term Assurance International Term Assurance Protection for tomorrow for peace of mind and financial security Zurich International Life Because who knows what tomorrow will bring Have you considered who depends on you

More information

ANICO. Indexed Universal Life. A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX

ANICO. Indexed Universal Life. A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX ANICO Indexed Universal Life A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX ANICO Indexed Universal Life Financial security isn t just about growing a nest

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

More information

LIFE INSURANCE OVERVIEW

LIFE INSURANCE OVERVIEW LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirement

More information

Must Read Life Insurance Report

Must Read Life Insurance Report Must Read Life Insurance Report Dear Friend, Thank you for taking the time to read this report on life insurance. This is a free gift and should not be sold for any price for any reason. When you are finished

More information

Enjoy the peace of mind that comes from being WEHBE insured

Enjoy the peace of mind that comes from being WEHBE insured COMPANY PROFILE Insured. Secured. Over the years WEHBE Insurance Services has grown and evolved, and is today considered one of the most renowned names in the UAE insurance intermediary industry. As an

More information

2) You must then determine how much of the risk you are willing to assume.

2) You must then determine how much of the risk you are willing to assume. CHAPTER 4 Life Insurance Structure, Concepts, and Planning Strategies Where can you make a Simpler living as a needs financial planner? 1) Wealthy clients have a much higher profit margin. The challenge

More information

A few tips to ensure that you claim correctly and receive your money as quickly as possible:

A few tips to ensure that you claim correctly and receive your money as quickly as possible: Car Insurance How can I keep my car insurance costs low? The first thing to do is bargain shop to make sure that the rates you are getting are reasonable in comparison to other companies. Within the policy

More information

Benefits of Insurance and Tips on Buying Insurance

Benefits of Insurance and Tips on Buying Insurance Lets. 1 Benefits of Insurance and Tips on Buying Insurance 2 Benefits of Insurance 3 4 What is insurance? Insurance is a form of management used to offer a financial payment when unplanned or unexpected

More information

Wealth Management Essentials for Oil and Gas Professionals

Wealth Management Essentials for Oil and Gas Professionals Wealth Management Essentials for Oil and Gas Professionals Presented By Sean Baylis Investment Advisor Disclaimer Flow-through investments may not be suitable for all investors. Please read the prospectus

More information

What you know about life insurance

What you know about life insurance What you need to know about life insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to

More information

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC 5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC Thank you for requesting this free report and taking steps toward your own financial

More information

Financial Considerations upon the Loss of a Loved One

Financial Considerations upon the Loss of a Loved One Financial Considerations upon the Loss of a Loved One Unfortunately, making financial decisions is a reality in a time of grief. Although it is a stressful time and finances are the last thing on your

More information

Life insurance is a simple answer to a very difficult question:

Life insurance is a simple answer to a very difficult question: Chances are, you need life insurance Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It s a subject no one really wants to think about.

More information

Your Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13

Your Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 R E V E R S E M O R T G A G E S O L U T I O N S Your Home s Equity Can Give Retirement Life a Boost 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 From your first savings

More information

Accumulator Variable Universal Life

Accumulator Variable Universal Life Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Century II Accumulator Variable Universal Life Features at a

More information

C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h

C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h R E V E R S E M O R T G A G E S E R V I C E S C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h 2010 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 6-10 From your

More information

LIFE INSURANCE STRATEGY GUIDE

LIFE INSURANCE STRATEGY GUIDE LIFE INSURANCE 101 STRATEGY GUIDE : STRATEGY GUIDE TABLE OF CONTENTS Why You May Need Life Insurance... 5 Shopping for Life Insurance... 5 How Much Life Insurance to Obtain... 6 Calculating Total Funds

More information

THE PROFESSIONAL AT LIBERTY LIFE Lifestyle Protection

THE PROFESSIONAL AT LIBERTY LIFE Lifestyle Protection THE PROFESSIONAL AT LIBERTY LIFE Lifestyle Protection Lifestyle protection for the professional The rewards of succeeding in your chosen profession are many. Job satisfaction, a good income and a lifestyle

More information

You Don t Have To Go To Strangers For All Your Insurance & Financial Services

You Don t Have To Go To Strangers For All Your Insurance & Financial Services Financial & Insurance Services... The Credit Union Way MARCH 2010 1-888-439-0770 Email: cufig@goabco.org You Don t Have To Go To Strangers For All Your Insurance & Financial Services YOU CAN NOW GO TO

More information

What Would Your Family Do Without Your Income?

What Would Your Family Do Without Your Income? What Would Your Family Do Without Your Income? Income Protection Option You Know What Matters That s why you work hard to provide for your family. Late nights. Early mornings. Working over the weekend.

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs for 50 Years 2 How to Do An Annual Review of Your Legal & Financial Situation HOW TO USE THIS GUIDE If you read this guide,

More information

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind?

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind? Personal insurance There are many risks you face during your lifetime, but the most serious ones you will face are death, disability, serious illness and/ or medical intervention (surgery). These can happen

More information

An IRA can put you in control of your retirement, whether you

An IRA can put you in control of your retirement, whether you IRAs: Powering Your Retirement One of the most effective ways to build and manage funds to help you meet your financial goals is through an Individual Retirement Account (IRA). An IRA can put you in control

More information

Definitions: Insurance premium compensate insurance policy insurance broker

Definitions: Insurance premium compensate insurance policy insurance broker 1) Definitions: Insurance is an arrangement in which an insurance company compensates a person or a company for a specified loss caused by e.g. an accident, fire, injury, illness or death in return for

More information

Chapter 12. Life Insurance: An Introduction. Chapter 12 Learning Objectives. Life Insurance

Chapter 12. Life Insurance: An Introduction. Chapter 12 Learning Objectives. Life Insurance Chapter 12 Life Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 12-1 Chapter 12 Learning Objectives 1. Define Life insurance and describe its purpose

More information

Compass Retirement Solutions LLC 10845 Olive Blvd Suite 190 Saint Louis MO 63141 Tel: (314) 373-1598 Fax: (314) 918-1909 e-mail:

Compass Retirement Solutions LLC 10845 Olive Blvd Suite 190 Saint Louis MO 63141 Tel: (314) 373-1598 Fax: (314) 918-1909 e-mail: Compass Retirement Solutions LLC 10845 Olive Blvd Suite 190 Saint Louis MO 63141 Tel: (314) 373-1598 Fax: (314) 918-1909 e-mail: marvin@compassretirementsolutions.com Protecting your Future, Securing your

More information

What Would Your Family Do Without Your Income?

What Would Your Family Do Without Your Income? What Would Your Family Do Without Your Income? Income Protection Option You Know What Matters That s why you work hard to provide for your family. Late nights. Early mornings. Working over the weekend.

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

Wealth Protect. Growing security for life

Wealth Protect. Growing security for life Wealth Protect Growing security for life Wealth Protect Growing security for life Planning for our future and that of our family is one of the major responsibilities we have. Since we know that planning

More information

Umbrella Insurance: Sheltering You From a Sudden Storm UNCOMMON KNOWLEDGE. If you drive a car...you should own an umbrella policy.

Umbrella Insurance: Sheltering You From a Sudden Storm UNCOMMON KNOWLEDGE. If you drive a car...you should own an umbrella policy. UNCOMMON KNOWLEDGE Umbrella Insurance: Sheltering You From a Sudden Storm If you drive a car...you should own an umbrella policy. Consider this possibility... You are driving to work in your car, the same

More information

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of

More information

TOP 10 REASONS YOU SHOULD NOT GET A REVERSE MORTGAGE NOW!

TOP 10 REASONS YOU SHOULD NOT GET A REVERSE MORTGAGE NOW! What our Clients are saying about their Reverse Mortgage My house needed a new roof, windows, flooring and paint, inside and out. WSB never abandoned me when even I wanted to just give up. It would have

More information

A Guide to Life Insurance Cover Creating your success through Financial Planning

A Guide to Life Insurance Cover Creating your success through Financial Planning & Guidance A Guide to Life Insurance Cover A Guide to Life Insurance Cover Financial Broker Contents How can I protect my family financially if I die? 02 What is life insurance? 03 What is a Financial

More information

A Guide to Life Insurance Cover Creating your success through Financial Planning

A Guide to Life Insurance Cover Creating your success through Financial Planning & Guidance A Guide to Life Insurance Cover Contents How can I protect my family financially if I die? 02 What is life insurance? 03 What is a Financial Broker? 06 Why would I need to use a Financial Broker?

More information

Determining the Need for Life Insurance: How Much Is Enough? (General Discussion)

Determining the Need for Life Insurance: How Much Is Enough? (General Discussion) Securities America AMRISH PATEL Financial Advisor 16815 S. Desert Foothills Pkwy #130 Phoenix, AZ 85048 480-221-6502 gwstrategies@yahoo.com www.gwstrategies.com Determining the Need for Life Insurance:

More information

The Nature of Financial Risk and How to Manage It

The Nature of Financial Risk and How to Manage It Offering Complete Wealth Management Services Steve H. Hornstein, Esq., CPA, LL.M., CFP, LPL Financial Advisor Evan Press, LPL Financial Advisor 20335 Ventura Blvd., Suite 203 Woodland Hills, CA 91364 Office:

More information

Transferring wealth Effective strategies for the typical Canadian

Transferring wealth Effective strategies for the typical Canadian Transferring wealth Effective strategies for the typical Canadian KEEPING IT IN THE FAMILY You ve worked a lifetime to accumulate assets. In fact, the average Canadian family has amassed total personal

More information

Welcome to our Customer Newsletter. In this issue. Dear Customer. Thank you for reading our latest Customer Newsletter

Welcome to our Customer Newsletter. In this issue. Dear Customer. Thank you for reading our latest Customer Newsletter ffgeneral Friends First Life Customer Newsletter May. 2015 Welcome to our Customer Newsletter Dear Customer In this issue 10 Facts about Friends First and Achmea Thank you for reading our latest Customer

More information

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net H E L P I N G Y O U A C H I E V E F I N A N C I A L G O A L S FINANCIAL PROFILE 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net INVEST Financial Corporation is

More information

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business An introduction to our General Insurance Broking Service We ll develop a customised insurance and risk management solution to protect your business We ve been helping Australians create secure financial

More information

Life insurance policy reviews

Life insurance policy reviews Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Life insurance policy reviews Help your clients, build your business M-3962 Page 1 of

More information

TMAIT Insurance Guides for Physicians. Life Insurance

TMAIT Insurance Guides for Physicians. Life Insurance TMAIT Insurance Guides for Physicians Life Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and their families.

More information

Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html. Standards Final December 2008

Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html. Standards Final December 2008 Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html Standards Final December 2008 By the end of 12th grade, every student should have achieved the Financial Literacy

More information

ANNUITIES. An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities:

ANNUITIES. An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities: ANNUITIES An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities: The first is when you pay a lump sum to a life insurance company, and they

More information

W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com. Key Employee Insurance

W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com. Key Employee Insurance W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com Key Employee Insurance W3 Wealth Management, LLC Page 2 of 9 Table of Contents Life Insurance

More information

Life Insurance Tutorial & Calculation Worksheet

Life Insurance Tutorial & Calculation Worksheet Life Insurance Tutorial & Calculation Worksheet Provided By NAVY MUTUAL AID ASSOCIATION Henderson Hall, 29 Carpenter Road, Arlington, VA 22212 Telephone 800-628-6011-703-614-1638 - FAX 703-945-1441 E-mail:

More information

FINANCIAL LIFE CHECKUP

FINANCIAL LIFE CHECKUP FINANCIAL LIFE CHECKUP Full Legal Name Nick Name Client Spouse Gender Male Female Male Female Home Address City, State, Zip Home Phone ( ) ( ) Work Phone ( ) ( ) Cell Phone ( ) ( ) Fax ( ) ( ) Best Time/Method

More information

Foresters. A guide to. life insurance

Foresters. A guide to. life insurance Foresters life insurance A guide to life insurance What is life insurance? Life insurance is a contract between an insured person and a life insurance provider that pays out a lump sum of money to a beneficiary

More information

Family protection made easy

Family protection made easy Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers

More information

Life Insurance Information Guide

Life Insurance Information Guide Life Insurance Information Guide Chapter 1 Mortgage Insurance vs. Life Insurance Talking about your death is never easy or fun, but it is essential. When organizing your finances to provide for your family

More information

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

Independent consumer guide to life insurance

Independent consumer guide to life insurance Independent consumer guide to life insurance Who we are and what we do The Irish Financial Services Regulatory Authority was established in May 2003 to regulate financial services firms in Ireland. Our

More information

Whole Life Insurance is not A Retirement Plan

Whole Life Insurance is not A Retirement Plan Whole Life Insurance is not A Retirement Plan By Kyle J Christensen, CFP I decided to write this article because over the years I have had several clients forget how their whole life insurance fits in

More information

White Paper Life Insurance Needs: Rules of Thumb

White Paper Life Insurance Needs: Rules of Thumb White Paper www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC, MSRB Page 2 Table of Contents... 3 What

More information

Planning now puts you in control later

Planning now puts you in control later Long-term care planning Your 5-minute guide Planning now puts you in control later For some people, the words long-term care may bring to mind the image of a nursing home. But really, long-term care is

More information

Chris Pan, CWM, MFP-USA. MBA (Financial Management)-Aust MBA (Marketing)-UK Email: wwpan@singnet.com.sg Http://www.FMDynamics.com

Chris Pan, CWM, MFP-USA. MBA (Financial Management)-Aust MBA (Marketing)-UK Email: wwpan@singnet.com.sg Http://www.FMDynamics.com Chris Pan, CWM, MFP-USA MBA (Financial Management)-Aust MBA (Marketing)-UK Email: wwpan@singnet.com.sg Http://www.FMDynamics.com Its Your Business and Your Life. If your re like most small business owners,

More information

BEING FINANCIALLY PREPARED FOR RETIREMENT The Scary Facts! $1.00 item in 1972, costs $3.78 today At the average rate of inflation, the price you pay for an item today will be double in 20 years almost

More information

Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe

Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe Connect, please call 1-800-422-3623. 15 Financial Myths Demystified

More information

Making the most of your retirement

Making the most of your retirement Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity

More information

Life Insurance Buyer s Guide

Life Insurance Buyer s Guide Life Insurance Buyer s Guide This guide can show you how to save money when you shop for life insurance. It helps you to: - Decide how much life insurance you should buy, - Decide what kind of life insurance

More information

account statement a record of transactions in an account at a financial institution, usually provided each month

account statement a record of transactions in an account at a financial institution, usually provided each month GLOSSARY GLOSSARY Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement

More information

What you need to know about life insurance

What you need to know about life insurance What you need to know about life insurance Chances are, you need L ife insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It s a subject no one

More information

Table of Contents. Introduction 3. How a Roth IRA Turbocharges Your Retirement. Set Up Your Roth IRA in Three Easy Steps

Table of Contents. Introduction 3. How a Roth IRA Turbocharges Your Retirement. Set Up Your Roth IRA in Three Easy Steps Table of Contents Introduction 3 How a Roth IRA Turbocharges Your Retirement 4 Set Up Your Roth IRA in Three Easy Steps 5 Time to Pick the Right Investments With the help of your investing advisor Stick

More information

D1.03: MORTGAGE REPAYMENT OVERVIEW

D1.03: MORTGAGE REPAYMENT OVERVIEW D1.03: MORTGAGE REPAYMENT OVERVIEW SYLLABUS Repayment mortgages Repayment profile Interest only mortgages Full and low cost endowment mortgages Unit-linked endowment mortgages ISA mortgages Pension mortgages

More information

YOUR GUIDE TO. Understanding life insurance

YOUR GUIDE TO. Understanding life insurance YOUR GUIDE TO Understanding Making life less complicated. Most people know that can provide their families with a death benefit if the unexpected should happen. But they may not know that it can also be

More information

National Standards for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance

National Standards for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance National s for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance I. Financial Responsibility & Decision Making II. Income & Careers III. Planning & Money Management

More information

APPENDIX I: INCOME AND ASSETS

APPENDIX I: INCOME AND ASSETS APPENDIX I: INCOME AND ASSETS Annual Income Annual gross income means all amounts, monetary or not, which go to, or on behalf of, the family head or spouse or to any other family member received from a

More information

Stretch Your Net Worth Take Care of Your Family Take Care of Yourself. The Stretch IRA Concept. from American National Insurance Company

Stretch Your Net Worth Take Care of Your Family Take Care of Yourself. The Stretch IRA Concept. from American National Insurance Company Stretch Your Net Worth Take Care of Your Family Take Care of Yourself The Stretch IRA Concept from American National Insurance Company Stretch Your Net Worth Take Care of Your Family Take Care of Yourself

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

Plan ahead. Live confidently.

Plan ahead. Live confidently. Plan ahead. Live confidently. PHOENIX REMEMBRANCE LIFE Whole life final expense insurance with living benefits How Will You Be Remembered? Life is uncertain. But, while it s impossible to know what the

More information

7 Facts You Need to Know About Reverse Mortgages...

7 Facts You Need to Know About Reverse Mortgages... SPECIAL REPORT 7 Facts You Need to Know About Reverse Mortgages... By Quinn Berry 7 Facts You Need to Know About Reverse Mortgages... to help you enjoy a comfortable, worry-free retirement! Chances are

More information

Prepared by the National Association of Insurance Commissioners. This guide does not endorse any company or policy.

Prepared by the National Association of Insurance Commissioners. This guide does not endorse any company or policy. Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory officials. This association helps the

More information

Heritage Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!

Heritage Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you! Heritage Gold American Equity Gold Standard for a Secure Retirement The one who works for you! Heritage Gold A Good Plan is Always Better Than a Good Guess The security of your future begins today with

More information

Wealth Strategies. The Building Blocks to Creating Your Financial Road Map Part 3 of 12. w w w.rfawea lth.com

Wealth Strategies. The Building Blocks to Creating Your Financial Road Map Part 3 of 12. w w w.rfawea lth.com w w w.rfawea lth.com w w w.rfawea lth.com Wealth Strategies The Building Blocks to Creating Your Financial Road Map Part 3 of 12 Financial Roadmap Building Blocks WEALTH STRATEGIES Page 1 So you re planning

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Form No. (To be filled in by FPSB India) Financial Planning Questionnaire Candidate s Name FPSBI No. / NCFM No. Candidate s Signatures Mode of Registration Education Provider Name of the Education Provider

More information

Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity

Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity First, Let s talk about you. Over the years, you worked hard to save for retirement You sacrificed. You made

More information

INVESTING IN YOURSELF

INVESTING IN YOURSELF Investment Planning INVESTING IN YOURSELF Women are different from men. So are your financial planning needs. 2 INVESTING IN YOURSELF WOMEN & MONEY There are many reasons why you might require a different

More information

Start counting on yourself

Start counting on yourself Start counting on yourself Start with life insurance on your terms ING ROP Endowment Term and ING ROP Endowment Term NY Term Life Insurance issued by ReliaStar Life Insurance Company and ReliaStar Life

More information

Guide To Wealth Management

Guide To Wealth Management Guide To Wealth Management There are many financial issues that impact our lives. Many people never formally address important concerns with their advisors because the conversations may be difficult to

More information

Guide to Retirement Planning 2014/15

Guide to Retirement Planning 2014/15 Guide to Retirement Planning 2014/15 Retirement isn t what it used to be. In many ways it is better: people are living longer and enjoying healthier and more active retirement years. On the financial side,

More information

Foresters. A guide to. life insurance

Foresters. A guide to. life insurance Foresters life insurance A guide to life insurance What is life insurance? Life insurance is a contract between an insured person and a life insurance provider that pays out a lump sum of money to a beneficiary

More information

Protecting Your Loved Ones Every Step of the Way

Protecting Your Loved Ones Every Step of the Way Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information

INDIVIDUAL DISABILITY INSURANCE

INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU

More information

> The Role of Insurance in Wealth Planning

> The Role of Insurance in Wealth Planning > The Role of Insurance in Wealth Planning Tax-sheltered investing using life insurance A S S A N T E E S T A T E A N D I N S U R A N C E S E R V I C E S I N C. Tax-sheltered investing using life insurance

More information

Transamerica Layered Insurance Strategy. It doesn t matter where your story begins

Transamerica Layered Insurance Strategy. It doesn t matter where your story begins Transamerica Layered Insurance Strategy It doesn t matter where your story begins it only matters where you re going. Imagine your life if things never changed. If everything stayed exactly as it is today.

More information

Insurance is an essential financial planning tool.

Insurance is an essential financial planning tool. Insurance is an essential financial planning tool. The purpose of insurance is to transfer risk. Unless you have a large amount of cash set aside, you need to transfer that risk to someone who can afford

More information

Life Insurance Buyer's Guide Prepared by the National Association of Insurance Commissioners

Life Insurance Buyer's Guide Prepared by the National Association of Insurance Commissioners Life Insurance Buyer's Guide Prepared by the National Association of Insurance Commissioners Buying Life Insurance How much do you need? What is the Right Kind? Finding a Low Cost Policy Things to Remember

More information

Traditional and Roth IRAs

Traditional and Roth IRAs october 2012 Understanding Traditional and Roth IRAs summary An Individual Retirement Account (IRA) is a powerful savings vehicle that can help you meet your financial goals. As shown in the chart on page

More information

ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company

ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company Start counting on yourself. Start with life insurance on your terms. ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company Take a moment to listen to Ida, an old friend

More information

> A Lifetime of Financial Security and Peace of Mind

> A Lifetime of Financial Security and Peace of Mind > A Lifetime of Financial Security and Peace of Mind Insurance solutions to meet your personal and business needs ASSANTE ESTATE AND INSURANCE SERVICES INC. Introducing Assante Estate and Insurance Services

More information

COMMON RETIREMENT QUESTIONS

COMMON RETIREMENT QUESTIONS COMMON RETIREMENT QUESTIONS 7/28/14 Are You Ready For Retirement? I sat down with Michael and Glenn at Livingston Federal and asked them the questions that our members are asking about preparing for retirement.

More information

PRELIMINARY FINANCIAL PLANNING QUESTIONNAIRE

PRELIMINARY FINANCIAL PLANNING QUESTIONNAIRE P A C I F I C C R E S T F I N A N C I A L A D V I S O R S, L L C PRELIMINARY FINANCIAL PLANNING QUESTIONNAIRE We are pleased to offer you the opportunity to meet with us on a no-obligation basis. In order

More information

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts Traditional and s Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the financial

More information

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-Free

More information

White Paper Life Insurance Coverage on a Key Employee

White Paper Life Insurance Coverage on a Key Employee White Paper Life Insurance Coverage on a Key Employee www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC,

More information