There are many reasons why insurance is a necessity today…leaving your family financially stable in the event of your death… help cover unexpected medical expenses at a time most critical to you and your family… protection against losing your entire life savings.

Whatever your projected needs, planning ahead not only helps you provide for the future, it can save you money now. InvestorServices offers a host of solutions depending upon your situation.
~ Life Insurance
~ Disability Insurance
~ Long-Term Care Insurance
~ Medicare Supplement Insurance

There are several reasons to maintain an adequate level of life insurance in your financial portfolio. After an untimely death, your family's needs are your greatest concern. With life insurance products offered through InvestorServices, you can provide your family with money for:
~ Final medical and funeral expenses
~ Debits, such as mortgages
~ Replacement income
~ Tax-free lump sum payment to aid in settling estates
~ Your children’s education

However, there are many varieties of life insurance to help you fill this gap:

Whole Life Insurance
Whole life insurance has a level and periodic premium and a level death benefit, as well as an accumulating cash value that increases with the life of the policy. A cash value is the amount of money that you have contributed in premiums plus interest and can be borrowed against or withdrawn upon cancellation of the policy. Although whole life policies tend to be more expensive than other types of life insurance, the coverage is permanent and premiums do not increase as you age.

Universal Life Insurance
Universal life is different from a whole life insurance policy in the way that your death benefit, cash value and premium can fluctuate with the performance of the underlying investment. For example, if your underlying investment does not perform well enough to pay the charges associated with the policy, then your premiums will have to be increased or your cash value or death benefit will have to be reduced. Although, universal life tends to be less expensive than whole life, you will have to take the risk of the underlying investments performance.

Variable Life Insurance
Variable life insurance's death benefit and cash value fluctuate with the performance of the underlying securities performance. Similar to a variable annuity, your variable life insurance premiums are invested in stock or bond funds. The premiums due will fluctuate with the performance of the underlying investments, thereby, possibly exposing you to non-level premium payments. Similarly, if the underlying investments do poorly, the death benefit and cash value will decrease. Likewise, if the underlying investments perform well, then the cash value and death benefit will increase.

Universal Variable Life Insurance
Similar to universal life, your premiums can be invested in stock or bond funds. The dynamics of the policies are similar, whereby; the underlying funds performance will dictate cash value, premium payments and death benefits.

Term Life Insurance
Term life insurance provides protection for a specified period of time. After that period of time is over, you may renew the coverage with a premium adjustment for age and health factors. Term life provides a level benefit by paying a level premium on a specified basis for a specific period of time. Term life is the cheapest form of life insurance, whereby; it does not provide the investment features of a whole life policy such as the cash value or interest on your premiums.

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What would happen if you lost your power to earn money? Would you have to take loans? Spend your retirement savings? Disability insurance provides the answers to those questions by providing up to 66 2/3 % of your salary if you are unable to work. Although disability insurance cannot cover your entire income, it will provide a buffer against total financial hardship due to a short or long-term disability. There are two different types of disability coverage available to you:

Short-Term Disability
Short-term disability covers disabilities that last one week to one year, depending on your elimination period. The elimination period is the amount of time you must be clinically disabled before you can begin receiving benefits. These benefits are intended to protect you from short incapacitating injuries.

Long-Term Disability
Long-term disability covers disabilities that extend past the short-term disability coverage period. The benefits can be tailored to begin as your short-term disability terminates and can continue until you are 65, depending on the amount of coverage you elect. This coverage will help add to your Social Security benefit, in order to insure you for up to two-thirds of your salary.

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How do you envision spending your life savings? Probably at the summer cottage with a beautiful setting sun providing the backdrop for sprawling beaches. Nobody plans to have to spend their Golden Years in an assisted living center; unfortunately 7 out of 10 couples turning 65 will require the use of a nursing home this year. (Federal Government's Agency for Health Care Policy and Research)

Although this vision of the future may be dismal, InvestorServices offers a solution to your dilemma. Long-term care insurance provides protection against losing your entire life savings and a lifetime of accumulated assets by insuring you for any stay you may require in an assisted living facility.

Long-term care insurance pays a pre-determined amount for your care in an assisted living facility. After you satisfy your elected elimination period, your policy will pay for your care up to your elected coverage limitation. This coverage will keep your visions of grandeur accented by a bright sun and sandy toes.

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Did you realize that upon retirement, Medicare would not cover every expense? With your income decreasing, how can you continue to handle the out-of-pocket expenses? Medicare supplement insurance, commonly known as Medigap Insurance, is intended to fill the gaps that Medicare Parts A & B will leave.

There are 10 Medicare Supplement plans that are identical in coverage; however, they can vary in price depending on the insurance company that accepts the coverage. Because the plans are identical in coverage, you have the ability to shop for the company that offers the best customer service, promptest claims payment, and lowest price.

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Call or Stop by today to Schedule a Consultation with a Registered Representative* located in your local bank.

*Registered Representatives offer security products and services through PFIC Securities Corporation, member NASD & SIPC. Not affiliated with InvestorServices or the bank.

Insurance Products available through various third party agencies.
Not a Deposit Not FDIC/NCUA Insured Not Insured by any Federal Government Agency
Not Guaranteed by the Depository Institution May Go Down in Value