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Why Life ?
LIFE
Family Protection Needs Analysis
LIFE
Family Protection Needs Analysis
                        • L - Loans
LIFE
Family Protection Needs Analysis
                        • L - Loans
                        • I - Income
LIFE
Family Protection Needs Analysis
                        • L - Loans
                        • I - Income
                        • F - Final Expenses
LIFE
Family Protection Needs Analysis
                        • L - Loans
                        • I - Income
                        • F - Final Expenses
                        • E - Education
LOANS
LOANS
•   Home Mortgage
LOANS
•   Home Mortgage

•   Car Lien
LOANS
•   Home Mortgage

•   Car Lien

•   Credit Cards
LOANS
•   Home Mortgage

•   Car Lien

•   Credit Cards

•   Student Loans
LOANS
•   Home Mortgage

•   Car Lien

•   Credit Cards

•   Student Loans

•   Any Other Source
INCOME
INCOME

  •   Salary X # of Years to Replace
INCOME

                                    •   Salary X # of Years to Replace




You might choose to provide
replacement of salary until the youngest
child has entered high school or college
FINAL EXPENSES
FINAL EXPENSES

•   The Average Funeral Now Costs
    Between $12,000 and $18,000
EDUCATION
EDUCATION

•   This area allows you the opportunity
    to provide any allowance for future
    education for either children or spouse
A Quick Question
A Quick Question
•   What if I told you that after 20 years I could give
    back to you all the money you have paid in premium
    for your auto insurance?
A Quick Question
•   What if I told you that after 20 years I could give
    back to you all the money you have paid in premium
    for your auto insurance?


                                          Where Do I Sign?
A Quick Question
•   What if I told you that after 20 years I could give
    back to you all the money you have paid in premium
    for your auto insurance?


                                          Where Do I Sign?
We CAN Do That In Life Insurance
Permanent Insurance
Permanent Insurance
             •   Higher Premiums
Permanent Insurance
             •   Higher Premiums

             •   Higher Max Amounts
Permanent Insurance
             •   Higher Premiums

             •   Higher Max Amounts

             •   Never Expires
Permanent Insurance
             •   Higher Premiums

             •   Higher Max Amounts

             •   Never Expires

             •   Builds Cash Value
Term Insurance
Term Insurance
•   Lower Cost
Term Insurance
•   Lower Cost

•   Provides Coverage For A
    Specified Period Of Time.
    10, 20, 30 years.
Term Insurance
•   Lower Cost

•   Provides Coverage For A
    Specified Period Of Time.
    10, 20, 30 years.

•   Expires At The End Of The
    Term
Term Insurance
•   Lower Cost

•   Provides Coverage For A
    Specified Period Of Time.
    10, 20, 30 years.

•   Expires At The End Of The
    Term

•   Does Not Build Cash Value
end

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Why Life?

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