USES OF LIFE INSURANCE
 • Mortgage Protection
 • Family Protection/Replacement of Lost Income
 • Debt Repayment • Meet the costs of “Final Expenses”
 • “Key Person insurance” to protect a business
 • “Executive Bonus” program to reward key employees
 • “Buy-Sell” for business partners to protect survivors
 • Pension Maximization
 • As a form of retirement income (from cash values)
 • Legacy contributions to charities; grandchildren

USES OF LONG TERM CARE INSURANCE
 • Select your preferred setting for receiving care so that you are not prematurely forced into a nursing home
 • Protect assets for purposes other than paying for care
 • Relieve loved ones of having to be your sole caregiver

USES OF ANNUITIES
 • Guaranteed tax-deferred growth
 • Guaranteed death benefits
 • Guaranteed monthly income
 • Legacy money for loved ones