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What are you doing to financially protect those you love? Chances are you have insurance coverage on your house or your car to help offset losses from unforeseen events. But have you done the same with your life? The purpose of life insurance is to help ensure that those who depend on you will still be able to maintain their standard of living if something should happen to you. Life insurance helps secure your loved ones’ futures and potentially provide them with enough money to fulfill their obligations and pursue their dreams, even if you are no longer with them.

When planning for Estate Transfer, one of the most important factors is where and how your clients’ assets will be transferred and sheltered against taxes and other expenses from settling their estate.  Consider: * Wills * Trusts Wills and trusts are essential parts of any estate plan. They facilitate the process of transferring and protecting your clients assets during the Estate Transfer stage. There are many types of trusts that can be leveraged by your clients to meet individual needs.

What are the chances of becoming ill? • Heart disease and stroke are among the leading causes of death for U.S. women & men. Cardiac deaths have increased dramatically among people younger than age 35. • Every 30 seconds a new cancer is diagnosed in the U.S. • Every year, about 795,000 people in the U.S. have a stroke. About 3/4 of these are first strokes; 1/4 are recurrent strokes. • Currently, one in four deaths in the United States is due to cancer.3 How financially devastating can it be? • Most bankruptcies filed because of illness are filed by people who do have health insurance . • Today the cost of treating Alzheimer’s and other forms of dementia is estimated at $109 billion. • The estimated cost of treating heart disease today is $102 billion. Cancer treatment is around $77 billion. • 2 percent of cancer patients were driven into bankruptcy by their illness and its treatment.