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

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1 Financial & Insurance Services... The Credit Union Way MARCH You Don t Have To Go To Strangers For All Your Insurance & Financial Services YOU CAN NOW GO TO CU FINANCIAL INSURANCE GROUP A Wholly Owned Subsidiary Of The goal of CU Financial Insurance Group (CUFIG) is to match you, your business, your school district or non-profit group with Financial and Insurance products that best fit your needs - at a price that fits your budget. MEET TEAM CUFIG Pictured are: Diane Barron (Executive Assistant), Eric Lorenz (Financial Planning/Investments), Carla Holloway (Account Development), Joel Sand (Insurance Products), William Dent (Financial Planning/Investments), Sunny Naumoski (Financial Planning/Investments) HERE IS AN OVERVIEW OF WHAT CUFIG OFFERS Individual Insurance - Auto, Homeowner s, Brokerage Accounts - Stocks, Bonds, Mutual Renter s, Pet, Long Term Care, Life Funds, Money Market Funds, Exchange Traded Retirement Planning - 403(b) Plan for School Funds, Fixed and Variable Annuities Districts and Non-Profits, 401(k), 457, Wealth Management - Estate Planning, Tax- Traditional & Roth IRAs Deferred Accounts, Custodial Accounts. Business - Employee Coverage, Risk Management, Liability Insurance INSIDE FOR MORE INFORMATION FINANCIAL INSURANCE GROUP PO Box 221 Rancocas, NJ Phone: Fax: cufig@goabco.org Registered Representatives of, Securities and Investment Advisory Services offered through ING Financial Advisors, (IFA), member FINRA/SIPC. Insurance sold through licensed insurance representatives of various companies in association with CU Financial Insurance Group, (CUFIG) a wholly owned subsidiary of ABCO Federal Credit Union. Nondeposit investment products are not federally insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any affiliated entity, involve investment risks, including the possible loss of principle and may be offered by an employee who serves both functions of accepting member deposits and selling nondeposit investment products. IFA products are not offered, recommended, sanctioned or encouraged by the NCUA or the Federal Government.

2 A Division Of CUFIG AUTO & HOME INSURANCE How much insurance do I need? Am I saving the most money and getting the best coverage on my current policy? Can I save if I combine auto and homeowners? How do I know I am getting the best deal and the best coverage? That is where we can help. No one policy or company fits everyone's needs or budget. That is why ABCO Insurance Agency partners with many insurance companies to offer: EXCLUSIVE GROUP DISCOUNTS FOR AUTO INSURANCE. We Will Shop Over 15 Companies For You - Instead of you making 15 contacts and not knowing what questions to ask, let us shop for you. We Make It Easy - You may have a current policy but you think it is a hassle to compare and change. All we need to get started is some basic information: Your Name, Address, Phone, Date of Birth, Effective Date and Type of Policy. Leave The Rest To Us! We Also Insure BOATS, MOTORCYCLES, MOTOR HOMES, Etc. We Can Shop For A HOMEOWNERS' INSURANCE POLICY. Did you know that many companies offer a discount if you combine both your Auto & Homeowners' Policies? Contact us with some basic information and we will work for YOU! Phone: Fax: cufig@goabco.org WE ALSO PROVIDE RENTER'S INSURANCE. ASK US. BUSINESS INSURANCE - EMPLOYEE COVERAGE - HEALTH INSURANCE - Medical, Prescription, Dental, Vision LIFE & DISABILITY - Group Short (STD) & Long Term (LTD) Disability COBRA, HSA, POP, & FLEXIBLE SPENDING ACCOUNTS WORKSITE & VOLUNTARY SUPPLEMENTAL BENEFITS KEYMAN, BUY/SELL & EXECUTIVE BENEFITS RISK MANAGEMENT - LIABILITY INSURANCE LIABILITY PROPERTY IDENTITY THEFT CUFIG is working with businesses of all sizes and types - organizations, schools, municipalities, and non-profits. Contact CUFIG. We will work with you to get the coverage your business needs.

3 WE CAN T PREDICT THE FUTURE BUT WE CAN HELP YOU PREPARE FOR IT. Our focus at CUFIG is to help you be financially prepared for life s uncertainties.that is why CUFIG has partnered with The Family Security Plan to offer programs of Life Insurance, Disability Income Protection, Accident Insurance, Critical Illness Insurance and the Best Doctors program. WHOLE LIFE INSURANCE is a way to make sure that your family can maintain the standard of living you have set for them in the event something happens to you. The Family Security Plan Whole Life program features premiums that never increase and death benefits that never decrease. Your policy will also accumulate cash value that you may borrow against for your children s education, financial opportunities, or for any other reason. The death benefits can help your family compensate for lost income and assist in paying bills. When you consider your family s financial needs The Family Security Plan s Whole Life Insurance program will fit your lifestyle and budget! DISABILITY INCOME INSURANCE. Should you suddenly be unable to work and earn a living, your important expenses can be paid for with a monthly tax-free payment from your Disability policy. Worker s compensation may cover accidents that occur in the workplace but according to the National Safety Council over 90% of disabling accidents and illnesses are not work related. Disability income protection does more than insure you income it protects your lifestyle. CRITICAL ILLNESS INSURANCE. It is a fact that one out of every three Americans will contract a life altering illness during his or her lifetime. With today s advances in technology the chances of survival are even greater. Many people diagnosed with a covered critical illness face serious financial constraints as they attempt to recover. The Family Security Plan s Critical Illness Insurance assists with the financial stress that accompanies coping with a critical illness by providing a member with a lump sum cash benefit upon first diagnosis. Now, purchasing a Critical Illness Insurance policy automatically enrolls a member in Best Doctors. Best Doctors gives you the option of receiving an in-depth review of your medical files for confirmation of a critical illness diagnosis and treatment plan. They also have access to a customized search within an up-to-date database of over 50,000 world-class specialists to meet their specific medial needs. Lastly, but certainly not least, Best Doctors will coordinate the necessary information among the medical specialists involved, while monitoring the treatment process. Critical Illness Insurance safeguards your savings by helping with the immediate out-of-pocket expenses; Best Doctors helps with connecting you to the medical information you need, when the need it most. This Critical Illness Insurance plan has added a benefit that makes it a phenomenal value. ACCIDENT INSURANCE. You want to be active and healthy but accidents are a part of life. Accident Insurance helps pay for the unexpected expenses paying above and beyond what your health insurance plan pays. Like our other products, you let Accident Insurance help take care of the bills so you can take care of yourself and your loved ones. For Information Contact: Clint Sarion Phone: , Ext csarion@familysecurityplan.com FOR F-A-S-T-E-R Service, complete the INFORMATION REQUEST FORM in this newsletter. You can either mail it or Fax it. Please be sure to let us know the best way to contact you. INSURE YOUR OTHER Family Member Pets are not technically a family member. But for most people pets play an important role in the family. Just like for people, the cost of routine pet care and medicines have gone up. And, if there is an emergency, these costs can skyrocket. There is a way to control costs. VPI Pet Insurance provides nationwide coverage for Dogs, Cats, Birds or Exotics. For information and coverage, contact them directly. PHONE: 800-USA-PETS ( ) WEB: BE SURE TO MENTION THAT YOU ARE AN ABCO MEMBER!

4 INFORMATION REQUEST COMPLETE AND RETURN BY: Mail: PO Box 221, Rancocas, NJ Phone: Fax: Or send us an , letting us know what products and services you are considering. Your Name Your Address Home Phone ( ) Cell Phone ( ) Best time to contact me is: I AM An ABCO Federal Credit Union member I am NOT a member YES, I AM INTERESTED IN: (Please check ALL that apply.) PERSONAL INSURANCE Auto Homeowners Renters Life Disability Income Health Accident Long Term Care Critical Illness Pet RETIREMENT PLANNING Individual Retirement Accounts 403(b) for school districts and non-profit groups Name of school district or non-profit group for state and local governments I work for BROKERAGE ACCOUNTS I want to explore my options. Contact me for a consultation. WEALTH MANAGEMENT Estate Planning Tax-Deferred Accounts Custodial Accounts BUSINESS PRODUCTS Employee Coverage Risk Management - Liability Insurance 401(k) and retirement plans

5 Are You In The Education Field And LOOKING TO GET MORE From Your Retirement Plan? CUFIG Offers 403(b) Plans From With the current economic conditions it is a good time for your School District to evaluate their current plan and look for ways to improve performance, service and return. CUFIG offers you the advantage of ING A GLOBAL FINANCIAL SERVICES COMPANY serving more than 85 million customers in Europe, the United States, Canada, Latin America, Asia and Australia. Let a CUFIG Financial Advisor look at your pension, social security, current investments and desired retirement goals to help you determine your ongoing strategy. 1. PRICING 403(b) Program s TOP 3 REASONS TO TAKE A LOOK Low administrative charges NO annual maintenance fee Over 99 variable investments options from highly respectable companies SAVING YOU MONEY WHICH MAKES YOU MORE MONEY 2. BRAND RECOGNITION ING is ranked world s 8th largest company (Fortune Magazine 2009) Serving over 85 million customers with $75.8 billion in retirement plan assets under management. Investments offered by many of the world s premier fund families Technological innovation - streamline servicing Account Gateway free service that consolidates multiple accounts in one location, with one password Leading-edge online participant, plan sponsor and provider websites. 3. EDUCATION & LOCAL SUPPORT Personalized product support as always from ING Participant Services Educational and enrollment materials both print and online Online and call center support, available 24/7 Extensive educational services, including seminars and transition assistance. Let us know that YOU would like your School District to consider offering the ING 403(b) plan. Contact us by phone, fax or . Phone: Fax: Send an to: cufig@goabco.org Your Name Your School School District

6 PUT MORE MONEY IN YOUR POCKET CUFIG offers you a choice of a wide variety of Retirement, Investment and Wealth Management Options to reach your financial goals now and into a comfortable retirement. RETIREMENT PLANNING Retirement will be here before you know it. In today s economic environment, retirement planning is an important tool to turn your dreams into reality. 403(b) Plan, 401(k), 457 Individual Retirement Accounts (IRAs) Traditional & Roth BROKERAGE ACCOUNTS Stocks, Bonds, Mutual Funds, Money Market Funds, Exchange Traded Funds, Fixed & Variable Annuities WEALTH MANAGEMENT If you add up all your assets, you may be surprised at how much you are actually worth. Together with a CUFIG professional wealth management advisor, we can help you invest your assets based on personal criteria and financial goals and also help you plan your estate. Areas of wealth management include: Estate Planning Tax-Deferred Accounts Custodial Accounts SO MANY OPTIONS! How do you choose what is best for you? Don t wait for the economy to shrink your assets. The time to take action is NOW. SET UP A CONSULTATION WITH ONE OF OUR ADVISORS. Phone: PO Box 221 Rancocas, NJ PRSRT STD U.S. Postage PAID Bellmawr, NJ PERMIT No. 1230