If you're an income-earner or own a business, just three things can disrupt your cash flow or financial security: death, disability, or under-funded retirement — each of which can be managed with insurance and other financial products.
- Life insurance protects against the risk of dying too soon.
- Disability income insurance protects against the risk of becoming sick or hurt, and losing our earning ability.
- Life insurance cash values, annuities and investment products may protect against the risk of outliving our incomes when we retire, and help meet financial goals, like funding a college education, wedding, vacation home, or investment real estate.
Almost every prudent person has bought, or will buy, life or disability income insurance to meet a wide range of personal and business objectives. The ownership of annuities and other investment products, including mutual funds, is also widespread.
People are becoming more and more sophisticated about financial services. They don't want just products; they want solutions to problems. They don't want high-pressure sales tactics; they want to do business with competent, heads-up professionals who are on their side, who listen to their concerns, and who know how to spell c-l-i-e-n-t.
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