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Life Insurance
There are three risks in life we need to protect ourselves and our families from:
BECOMING CRITICALLY ILL OR DISABLED
OUTLIVING OUR INCOME
PROVIDING FOR FAMILY if I DIE TOO SOON
BECOMING SICK OR DISABLED
Statistics show how common critical illnesses are. One in three people will suffer from lifestyle altering disease at some point in their lives, with a third of those succumbing to a disease before the age of 65. According to the newly published data 50% of all bankruptcies in the United States happen as a result of a critical illness. Clearly, if you fall seriously ill there is a lot to be said for a having a financial cushion. A Critical Care policy could help pay off the mortgage or other loans, compensate for a loss of income from work, or pay for children to finish their education, and for additional
Critical Care Insurance Plans can provide financial relieve in case of many lifestyle changing illness including cancer, heart attack, stroke and many others. Unlike Disability Insurance that will pay you a monthly benefit while are disabled, Critical Care Insurance pays out a lump sum and there is no stipulation on how the money is spent. If you continue to work, you still get the payout in full.
Some of the AIG Critical Care Benefits
A single-payment benefit upon diagnosis of a critical illness
Covers a broad range of conditions most likely to cause major lifestyle changes, including cancer, heart attack, stroke, and many others
A preventive care benefit, up to $50 annually, to cover a variety of medical tests
Free membership in a physician referral service
For more information PLEASE CONTACT US at luba@intellisurance.com (800) 948-4939
OUTLIVING OUR INCOME
Creating PERSONAL TAX ADVANTAGED RETIREMENT FUND though asset repositioning
Annuity
Annuities allow you to accumulate tax-deferred funds for retirement and then, if you desire, receive a guaranteed income (this process is called Annuitization) payable for life or for a specified period of time.
Annuities are similar to CDs offered by banks, but they offer advantages in Tax Deferral, Avoidance of Probate, and a Guaranteed Income for a fixed period of time, or income for life.
Only insurance companies are allowed to sell anuities. Insurance companies are regulated by the states, so contracts or options that may be available in some states may not be available in others. There are two types of annuity contracts: the immediate annuity, which guarantees payments for a period of years or the lifetime of an individual or couple, and the deferred annuity, which grows tax deferred until such time as the annuity contract is annuitized.
For more information PLEASE CONTACT US at luba@intellisurance.com (800) 948-4939
PROVIDING FOR MY FAMILY if I DIE TOO SOON
Life insurance is an instrument for creating estate and making sure your family can meet their needs in the event of your death. Intellisurance can help you choose coverage that is most appropriate for your needs and financial situation.
For no obligation evaluation PLEASE CONTACT US at luba@intellisurance.com (800) 948-4939
To better understand your insurance needs and obtain the service that is best for you, please contact Intellisurance at (800) 948-4939.
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