01 BY: TRUSTED RESIDENT ADVISORS FINAL EXPENSES GUIDE HELPING KEEP YOUR PROMISES How much life insurance to buy depends on the financial needs that will continue after your death. Examples include supporting your family, paying for child(ren)’s education, and paying off a mortgage. Life insurance pays a death benefit if you die while the policy is in effect, in exchange for premiums you pay before your death. You can use the death benefit to protect against financial hardships such as loss of your income, funeral expenses, medical or nursing care expenses, debt repayments, and child care costs after your death. As we experience life and watch events within our families and those of our friends, we recognize the need to prepare for the unexpected for when it does happen. The reality of losing a loved one becomes more vivid, and we want to protect our family. Planning for our families’ fnancial security is perhaps the most fundamentally important and emotionally draining task we take on in our adult lives. But one easy way to help prepare for thefinancial security of our loved ones is through the purchase of life insurance. Book your free consultation. Promises are Meant to be Kept UNDERSTAND WHAT LIFE INSURANCE IS IF YOU NEED LIFE INSURANCE, DECIDE HOW MUCH COVERAGE TO BUY I WANT TO PROTECT MY FAMILY (FREE CONSULTATION) Some questions you may want to ask about your own needs include: Does anyone depend on me financially? How much of the family income do I provide? How will my family pay my final expenses and repay debts after my death? Do I want to leave money to charity or family? The answers to these questions can help you decide how much coverage you need. An insurance agent, financial advisor, or insurance company representative can help you evaluate your insurance needs and give you information about available policies. Book your free consultation with me so we can help you find out. There are many types of life insurance policies. You should choose a policy with features that fit your individual needs.Some things to consider are: TERM VS. CASH VALUE: Term insurance is intended to provide lower- cost coverage for a specific period of time (“a term”). If you want coverage for a lo nger period of time, such as for your lifetime, cash value insurance may be more cost effective Most term policies don’t build up cash values that you can use in the future. COMPARE THE DIFFERENT TYPES OF INSURANCE POLICIES 03 BOOK MY FREE CONSULTATION Medical Bills Funeral Expenses Legal Fees Loan balances These programs are designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses or debt that you may leave behind. Your family means the world to you, and you’ve made a promise to take care of them. The last thing you want is to leave them with a financial burden. We often underestimate the expenses associated with a loss, such as: The premium will not increase as you grow older – it is guaranteed to remain level for the life of the policy. So long as you pay your premiums, the death benefit is guaranteed never to decrease over time. And that can be for the rest of your life. Should a need arise earlier, these are Whole Life Policies with guaranteed cash value that grows over time. The cash value may be borrowed against at any time, for any reason.* Keeping Your Promise is Easy What is Your Promise? 04 Planning ahead is smart especially when loved ones are concerned. Living Promise Whole Life insurance is one way for you to help protect loved ones during a difficult time. This program will help you keep your promises to protect your family. Book your call so we can help your loved ones focus on what is most important during a difficult time Should you be diagnosed with a terminal illness, the Accelerated Death Benefit allows access to a portion of the policy proceeds at a time when your family may need it most. (This feature is not available in California.) You cannot be canceled for any reason as long as premiums are paid Paid benefits do not decrease Premium rates never increase Benefits are paid to your beneficiary Premium options to fit most budgets Proceeds are paid tax free to your beneficiaries There are no medical exams - coverage is based on your answers to a few simple medical questions BOOK A CALL Planning Ahead Accelerated Death Bene fi t Feature ** 05