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You most likely insure....

  • Your Home 
  • Your Cars 
  • Your Property

The fact is.... 

  • 1 in 197 that you  would lose your home to a fire.
  • 1 in 5,813 you will be involved in a fatal auto accident.



The risk is real....

  • Studies have shown that 1 in 5 people will need disability coverage in their lifetime—It follows only health and dental as the coverage people are most likely to use.                                                    Baltimore Business Journal, March 19, 1999.
  • Approximately 20% of all business failures each year are due to the owners’health                   Life Associan News, August 1, 1998
  • Disability accounts for 48% of all home foreclosures - 16 times mot then death.                                                     Denver Business Journal, November 6,1998
  • On average, there are about 2210 disabling injuries every hour during the year in the United States.         National Safety Council, 1999



Your odd of bing diagnosed with....

Heart Disease:

1 in 3 men and 1 in 10 women


1 in 2 men and 1 in 3 woman


Can you be certain that this couldn’t happen to you?


 The Ability to work may be your most important financial asset….



It provides the  things  you enjoy in life.


The Home you  live in.


The cars you drive.


The standard of living you’ve created



If an injury or illness keeps your from work for an extended period of time, how will you pay your….


Mortgage or rent?


Utilities and household expenses?


Food and clothing for your family?


School or other needs for your children?


Student or other loans?


If you Own a business,  How will your pay for….


Monthly business expenses?


Employees’ salaries?


Equipment that keeps you in business?



If you are unable to work for an extended period of time, Would your standard of living have to change?


Is protecting your income as important as insuring your home or property


What can you or your family do to protect your future?


Collect Social Security?


Many people depend on Social Security for assistance if they  become disabled–

But it won’t take care of  everything.


FIRST– Five full months must pass before you are eligible for Social Security benefits to begin.


SECOND– Disability must be expected to last for at least 12 months.


THIRD-The disability must prevent the person from performing any type of gainful employment.


Use Your Savings?


It is predicted that 80% of U.S. workers will exhaust their savings in only two months without the ability to earn an income. Life Insurance Selling April , 2000


Spouses Income?


Many households today rely on two incomes. Would  one income alone be sufficient to cover the monthly expenses and the standard of living you’ve grown accustom to?


Borrow Money?


If you’re not working, it may be difficult to be approved for a loan. Without an income, how would you make the additional payment?


Sell Your Assets?


Most people consider this as a last resort effort. And if forced to sell your assets, you may not get full value for them.




Provides peace of mind at a trying time of life!


Plans can be tailored to your specific needs and budget!


Provides a tax free income for a period of time or a lump sum benefit!