August 2010
       
Brought to you by Lundeen-Isaacson Inc.      
 
Believe It or Not You Are Not Invincible
 

For most people, death is not an easy subject. It is uncomfortable thinking about no longer being alive, not seeing one's children grow up, leaving one's family -- perhaps a husband or wife, children, brothers and sisters, parents, and friends. Yet death is one common factor that binds the entire human family. We may not all be rich and famous, and in fact may be important only to our family and close friends; yet what happens to the rich and famous happens to the not-so-rich and obscure: eventually we will all die. It is easy for most people to put aside thoughts of dying as something that happens to other people; or if they think of it happening to them, only think of it as happening some time in the distant future. Maybe that will be your future, but maybe not. In the blink of an eye, you may go from apparently having years of life ahead to being killed in a car accident.
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Know the Facts About Life Insurance and the Proceeds of Your Estate

 

Everyone needs life insurance, but not everyone has a good understanding of this important type of insurance.  Two of the most frequently asked questions that insurance professionals get from people are: #1: Why do I need life insurance? Although it may seem oversimplified, the answer is: "...everyone needs life insurance." If you are wealthy, life insurance proceeds will pay taxes, final expenses, outstanding bills (such as mortgages, car loans, credit cards, etc.) so that your family gets the full value of everything you have spent a lifetime working to accumulate.
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Should I Be Thinking About Long-Term Care Insurance?

Chances are, you are like the majority of individuals who have reached middle age. The primary concerns in your life are paying your monthly bills, making sure your children receive a good education, as well as the all-important goal of saving some money every month for retirement. At this point, it seems a long way off, but do not be deceived; it will be here sooner than you think. You may have heard about long-term care insurance, but you probably dismissed it with questions such as "What is it?" or "Who needs it?". The answer is that you do, and so does everyone else. You may reply that you already have health insurance.
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