7 Things You Need to Know BEFORE You Buy Life Insurance-6701000

8/14/2019 7 Things You Need to Know BEFORE You Buy Life Insurance-6701000

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The delivery of TAX-FREELIFE INSURANCE

proceeds is one of themost powerful social andeconomic forces in ourcountry. What a shame

that so many people dontunderstand or appreciate

its value.

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FREE REPORTfromDennis Volz

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LLII FFEE IINNSSUURRAANNCCEEBy far and withoutexception, a life insuranceclaim is the most soberingand rewarding aspect of myprofession as an insuranceagent.Sobering in that it remindsme of the brevity of thislife and the certainty that itwill end for all of useventually.Rewarding because its anopportunity for me to deliver: A stay-at-home mother tochildren and the promise of a quality education for them,a paid-for house and a debt-free existence to the family,or a comfortable retirement for a weary widow.

Its ONLY with the incredible power of LIFEINSURANCE that these are possible.When it comes time for you to consider this valuable

cornerstone to your financial plan, youll want to make some very informed and calculated decisions.

Let me walk you thru some of them to help you make the ones that are best for you.

If youve read any of our other reports, youll know that even though insurance has been part of our culture forover 100 years, to most people Its still a just a mystery. And because they dont understand it, a lot of people

think theyre being ripped off by the Insurance Industry; aka The Club

I want to end that for you.

I'm an industry "insider": A licensed member of The ClubIve been inside the insurance business for over 25 years and I know it like the back of my hand: Frompolicy to claims and back again.I've sold insurance.I've studied it.I've discovered what makes "good insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal".


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LIFE INSURANCE IS USUALLY THE LEAST

EXPENSIVE WAY TO PAY FOR ANY OF THOSE

ITEMS ABOVE.

How is that possible? you ask.

Life insurance dollars come to your beneficiariescosting just pennies on the dollar.

Dollars you earn and have put into savings, on theother hand, cost MORE THAN A DOLLAR for everydollar you receive. You work; you get taxes taken outof your pay. Every dollar you spend really costs youabout $1.27 to get after youve paid the tax man.

Life insurance, on the other hand, is ALWAYSdelivered for just a fraction of a dollar!

Lets take a quick trip with your imagination.No, Im not some wacko who thinks the aliens are on their way, just go with me for a minute

Picture yourself gone. Yes, I mean GONE, gone! Kind of morbid, I know. So if it makes iteasier, go ahead and picture your exit as some grand, heroic or adventurous one. Maybe youwent out skydiving or chasing wild horses in Wyoming. Or possibly you saved some kids from

drowning when a school bus plunged into the lake. Either way youre gone.Now -- Just ask yourself a few of simple questions.

1. Are there some bills left to pay? Funeral? Credit cards? Maybe a car? Or possibly agambling tab out at Viejas Casino?

2. Is someone going to suffer without your income?3. Is there anything to which youd like to leave a legacy? Possibly youd like to start a

scholarship fund for some special group or just kids who need it. Maybe youd like to havea small part of funding Meals-on-Wheels or grant some wishes come true through Make AWish Foundation. Or maybe youd like to leave something for your church. The

possibilities are really endless.If you answered yes or will be answering yes to any of those in your future, then LIFEINSURANCE is something youshould seriously consider.

Unless you really enjoyfiguring all this out for

yourself, a good,

experienced agent isyour ticket to some solid,professional advice.

Ive got the experience and Ill offerthat to you for FREE. (More on me

later)

I think I know what yourethinking about this point.

Youre thinking of all the hassleit is to decide what kind andhow much and then completethe application and then to get the physical (often you DONT need one) and then on andon and on

I know how you can quickly get past all that


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In reality, it only takes about an hour. You can just skim this report to get an overviewof what you need to be thinking about and then if youd like

JUST CALL ME.Ill likely take about 10 minutes of your time on the phone to see where youre at andthen, if youre ready, well set a time to get together. Its really pretty simple and ILLDO ALL THE WORK FOR YOU.

After all Its what I do.

S o l e t s j u s t h o p r i g h t i n t o i t .77 TThhiinnggss yyoouu nneeeedd ttoo kknnooww BBEEFFOORREEyyoouu bbuuyy LLII FFEE IINNSSUURRAANNCCEE

L i f e I n s u r a n c e N e e d -t o-K n ow # 1Dont buy it unless you need it

The truth is that nearly everybody could probably use a little Life Insurance. Remember the questions we askedabove? If you answered yes to any of those or youd just like to make your exit a little easier on those who areleft to sort out the pieces and arrange your funeral and wake, youre probably a good candidate for at least alittle policy.If you buy the right kind of policy, youll build up cash values within the policy and in many cases youll build

more than the premiums youve paid. So if youre thinking you might need some life insurance, go ahead andget a small policy that builds cash for you and youll be on your way.

Sometimes, people just dont need or want any life insurance. You might be single with no debt and sufficientmoney in the bank to take care of ALL of your final expenses such as funeral cost, paying off all your debt,enough money to pay for the disposal of allyour personal property, etc, etc. If you are,and you just dont want any life insuranceand think that youll never need it, thendont buy it.

If you think you might need it in the futureyou might want to get a small, cash valuepolicy with a GUARANTEEDINSURABILITY OPTION.See the yellow box to the right

GUARANTEED INSURABILITY OPTION

Protect your insurability

A life insurance policy option that may be purchased

at inception that allows the insured to purchaseadditional amounts of life insurance without taking aphysical examination or having to provide evidenceof insurability. Generally, the provision requires the

insured to increase the amount of insurance at astated time (i.e., specified policy anniversary dates,

upon marriage, or the birth of a child).


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L i f e I n s u r a n c e N e e d -t o-K n ow # 2If youre going to buy it, buy the right amount

We could make this portion of this report very lengthy, but Ill give you a couple of simple options.

First is just the REPLACE MY INCOME estimate. Use the one-step chart below and theres your answer.

Table 1-Income ReplacementCurrent

AnnualYears Until You Retire

Income 10 15 20 25 30 40 60

$10,000 $92,000 $132,000 $168,000 $201,000 $231,000 $283,000 $361,000

$20,000 $184,000 $263,000 $336,000 $402,000 $461,000 $565,000 $722,000

$30,000 $276,000 $395,000 $504,000 $602,000 $692,000 $848,000 $1,083,000

$40,000 $368,000 $527,000 $672,000 $803,000 $923,000 $1,130,000 $1,444,000

$50,000 $460,000 $659,000 $840,000 $1,004,000 $1,154,000 $1,413,000 $1,805,000

$60,000 $552,000 $790,000 $1,007,000 $1,205,000 $1,384,000 $1,696,000 $2,166,000

$70,000 $643,000 $922,000 $1,175,000 $1,406,000 $1,615,000 $1,978,000 $2,527,000

$80,000 $735,000 $1,054,000 $1,343,000 $1,606,000 $1,846,000 $2,261,000 $2,888,000

$90,000 $827,000 $1,185,000 $1,511,000 $1,807,000 $2,076,000 $2,544,000 $3,249,000

$100,000 $919,000 $1,317,000 $1,679,000 $2,008,000 $2,307,000 $2,826,000 $3,610,000

$110,000 $1,011,000 $1,449,000 $1,847,000 $2,209,000 $2,538,000 $3,109,000 $3,971,000

$120,000 $1,103,000 $1,581,000 $2,015,000 $2,410,000 $2,768,000 $3,391,000 $4,332,000

$130,000 $1,195,000 $1,712,000 $2,183,000 $2,610,000 $2,999,000 $3,674,000 $4,693,000

$140,000 $1,287,000 $1,844,000 $2,351,000 $2,811,000 $3,230,000 $3,957,000 $5,054,000

$150,000 $1,379,000 $1,976,000 $2,519,000 $3,012,000 $3,461,000 $4,239,000 $5,415,000

First Column: Annual income to be replaced. Top Row: Years of replacement income required. Table Body:Lump sum life insurance required. Assumptions: Annual inflation rate assumed to be 4.0%; Annual investment

return assumed to be 6.0%.

Its just as easy to buy too much life insurance as it is to buy too little. You want to be sure you have the rightamount of coverage.

You should also consider life insurance on your spouse or any other person on whose income you depend tomake ends meet each month.

If youre married with children you should also consider if there additional expenses should you and yourspouse die at the same time or within a short time of each other. For example, you might want to provide

additional monthly income to whomever you have designated to finish raising your children for you.

This short form on the next page can enable you to get a little more specific if youd like

to. It might give youre a better idea of how much youll need.


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1. Would you like to pay off your mortgage or have money available topay the rent? If so, either enter the mortgage amount or yourAnnualRent Cost x the Number of Years Youd like to Provide.

$ __________________________2. How much do you want available to pay off any other debts likecredit card balances, car loans, student loans, personal loans, etc.?

$ __________________________3. How much of your annual income will your family need each yearafter your death? (Remember if you paid off the house above orprovided rent money, you wont need to include that in their annualneeds.) Use the INCOME REPLACEMENT TABLE on page 4.

$ __________________________4. How much do you want to set aside to pay your funeral costs?

$ __________________________5. How much do you want to set aside for any other needs such as anemergency fund, gifts to charity, or a family member with specialneeds?

$ __________________________6. How much do you want to provide for your children's education ifyou die?

$ __________________________7. TOTAL NEEDS: (add 1-6 above) $ ____________________

A. How much life insurance (individual and group) do you have now?

$ __________________________

B. What other assets (such as savings accounts, CDs, mutual funds,stocks, bonds, 401k, retirement plans, or pension plans) would youwant your family to use to meet these needs?

$ __________________________

C. TOTAL RESOURCES: (add A & B above)

$ __________________________

TOTAL Need for LIFE INSURANCE: (Subtract Line C from Line 7)

$ __________________________

As you fill in the amounts, keep in mind the people that will be dealing with these issues.

Do whats best for them and youll be on the right track.

You may also want to complete

this calculator for your spouseto see if they have a need for

life insurance.

Can I give you a little hint?If youre married, let your

spouse decide how much lifeinsurance to get on YOURlife -- And vice-versa.Whoever will be around tofix the problems should getto decide how much $$ willbe available.

If this is alljust morethan youdlike to messwithyourself, justgive us a call and well walk youthru the whole process.

It only takes about 5minutes.

619-670-1000


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A SIMPLE EXPLANATION OF THEDIFFERENCE BETWEEN TERM AND

CASH VALUE INSURANCE

Probably one of the best analogies Ive heard and

have used for most of my 25+ years as an agent is

this: Cash Value (aka: Permanent, Whole Life,

Universal) life insurance is like owning a house. Term

life insurance is like renting.

When you own a house, initially you will pay a littlemore each month than you would if you were renting.Yet, in the long run, with the appreciation of the value ofyour home, youll likely make more money than it costs

you to live there. Your monthly house payments arereally contributing toward your own wealth. Its likemailing money ahead to YOURSELF!

When you rent, you pay less each month but youre notbuilding any equity or cash value and when you leave,you just leave all that rent money sitting in the landlordsbank account. Your monthly rent ends up contributingto your landlords wealth instead of your own.

So heres a couple of help questions

for you:

1. Do I want some life

insurance in force when I

die? (probably yes)

2. Whats my best guess of

when that will be? (lets say

you guess 78)3. How much do I want in place

at that time?

Whatever your answer is for

question 3, THATS how much

permanent insurance you should

have. Consider term insurance to

fill the rest of your needs.

L i f e I n s u r a n c e N e e d -t o-K n ow # 3If you need it, then buy it,

AND BUY THE RIGHT KIND

Face it! Odds are youre going to live and yourfamily WONT need this policy.

So buy the kind of life insurance where you getsome or all of your money BACK when youreolder.

Cash Value or Permanent life insurancepolicies are tremendously powerful financialinstruments. BUTtheyre designed forinsurance that youll need to keep for all of yourlife.

Youll probably want a little permanent life

insurance in your plan because you willSURELY make a claim on it someday.Hopefully it will be when youre VERY old andyour need for life insurance is at a minimum:Just enough to pay off a few bills and coveryour funeral expenses.

Realistically, TERM insurance is usually abetter choice for those needs you may havenow, but will not have forever.

If youre currently one of the bread-winners in your household and there are people depending on your incomefor everything from food to tuition, then you probably need a pretty big chunk of life insurance For NOW atleast. You likely wont need that much for the long term. THATS where TERM insurance is likely your bestbet.

Get some permanent insurance for the long haul; maybe$25,000 - $100,000. Usually you wont need more than that.Get TERM INSURANCE for the temporary times in your lifethat you need more. Then DROP IT! No loss.

And heres the real rub! TERM insurance is usually only

renewable to a certain age and even then it gets VERYexpensive. When youre 70 or so (and your income is lessbecause youve retired) your term insurance could be tooexpensive to keep and you may still want or need some lifeinsurance. With permanent insurance, theres usually enoughcash value there so that you can just QUIT PAYING and beinsured for life.


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L i f e I n s u r a n c e N e e d -t o-K n ow # 4Once you buy it KEEP IT until your reason for buying it no longer

exists

Too many times Ive seen people buy life insurance: Either term or permanent and then, for some reason, let it

drop. Usually its for one of a couple of reasons.1. They initially got in a little over their heads with too big of a monthly premium and its finally caught up

to them.2. They didnt buy for the right reasons.

Make a commitment when you get your life insurance to make it comfortable on your budget so you can keep itwith no financial pressure. And commit to keep it until the reasons for purchase no longer exist.

For example, if one of your reasons is to ensure that your kids complete college, and then keep it until theyveall walked across that stage and received their diploma. (Or at least until youve made that last tuition payment.)

If you dont buy this way, youll just be wasting your money if you keep thepolicy for several months and then quit.

L i f e I n s u r a n c e N e e d -t o-K n ow # 5Let Uncle Sam help you pay your premiumsWhen you purchase permanent life insurance, the money accumulates tax-deferred. You end up saving even more because the accumulation is taxfavored. This could make you think that even the Federal Governmentthinks that life insurance is a good idea!

Here in the Dennis Volz Agency, we want you to becomfortable with your insurance.

Well explain your LIFE INSURANCE options in simple,everyday language that you can understand.

We strive to personalize every insurance policy to besure you have exactly what you need and want.

NOTHING MORE; NOTHING LESS


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L i f e I n s u r a n c e N e e d -t o-K n ow # 6Dont touch the Nest Egg

Money that you contribute to you permanent life insurance can build a significant amount of cash over time.This money is available to you. Let me encourage you that as those numbers start to grow, LEAVE ITALONE!

Heres a good rule of thumb to govern your dipping into the nest egg.

NEVER TOUCH THE NEST EGG EXCEPT FOR ANEXTREME EMERGENCY OR A PHENOMENAL

OPPORTUNITY.

No, a year-end sale on a Corvette doesnt count as a PHENOMENAL OPPORTUNITY! Nice try !

L i f e I n s u r a n c e N e e d -t o-K n ow # 7Review, review, review But only once a year or so

Every year that youre living with either too much insurance, the wrong kind of insurance or not enough, youreprobably wasting some money.

A simple review that can take as little as 10-15 minutes over the phone with your agent can prevent this.Sometimes changes in your life can be so much and so harried that you dont even realize when things affect

your needs for life insurance. An agent whos willing to spend the time required with you and asking the rightquestions can uncover these changes and often save you hundreds of dollars in the process.

W h a t a b ou t my G R O U P i n s u r a n c e at w or k ?Group insurance is probably the LEAST EXPENSIVE of all life insurance policies. Sometimes its evenFREE! (Well, paid for by your employer anyway) My advice is TAKE IT! But dont depend on it. Count it asjust a little extra, but in addition,

Have your own plan that YOU CONTROL.

Group insurance can come and go. The company can change the deal. You could change jobs and be without coverage for a time. Maybe the new job doesnt offer group life insurance.

Ive seen people become uninsurable for health reasons, change jobs and then theyre unable to replace theirgroup insurance. Keep your life insurance under your control not your employers or other circumstancesbeyond your control.


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So how do I know just how much I canafford to spend on my life insurance?

Well we have some suggestions for that for you too.

The trick is to know how much youre spending andwhere youre spending it. You cant know that unlessyou have a written budget.

Its really the most important key to effective moneymanagement.

We have some help for you there too. Making abudget isnt as difficult as you might think. Weveactually broken it down to 7 simple steps that anyonecan follow.

If youve been frustrated with your money get your

FREE REPORT:

7 SIM PLE STEPSMake a budge t and STICK TO IT !just give me a call or drop me an email

DDeennnniiss VVoollzz [email protected] or go to

www.6701000.com and to the

RESOURCES Pa e.

L i f e I n s ur a n c e & y o u r R E T I R E M E N TPermanent insurance should NEVER be a substitute for a good retirement plan. Any agent that tells you todump hundreds of dollars a month into a permanent life insurance plan to fund your retirement before youveestablished a good, regular investment program outside of life insurance for your retirement should bequestioned.

The permanent portion of your life insurance does give you flexibility in your retirement years. You can keepthe insurance, sometimes stop paying the premiums (and continue to be insured), draw on some of the cashvalue if you need to and a host of other options. But life insurance should never be your main vehicle toretirement planning.

A w or d ab ou t b e n e f i c i a r i e s The beneficiary is the person who receives the proceeds of a life insurance policy at the death of the insured.Carefully structure and word your beneficiary clause. You can cause big problems if youre thinking one thingand actually say something else in the beneficiary section of the policy.

Carefully discuss this with your agent. Something as simple as a Per Stirpes clause can save a lot of confusion.

When you get your life insurance through our office, well walk you through these questions to be sure that themoney goes to EXACTLY the places you wantit to go.

L i f e I n s u r a n c e on k i d sGetting a smallpolicy on kids is usually agreat idea. While kids generally dont needinsurance for financial reasons it does a

couple of things for them.

First it protects their insurability. Kids cansometimes develop physical problems thatmake them uninsurable. Doesnt happen veryoften, but its probably a good idea to getthem a nominal permanent policy.Second, it locks in a nice low monthlypremium for them. Life insurance rates onkids are phenomenal. The monthly premium

on just a small $25,000 policy on a 30 yearold is nearly DOUBLE what it is on a 2 yearold. And that premium is good for life!

Youll always want to get whats called aGUARANTEED INSURABILITY OPTION.(Look back to the yellow insert box on page3.)


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Ot her Thi ngs - Theres dozens of other things we could go on and on about like:1. Is it ultimately cheaper to pay

annually or monthly?2. How can I be sure that my life

insurance company is safe?3. What are Banded Premiums and

how can they save me money?4. What about Accidental Death and

Dismemberment Riders? ShouldI have one?

5. Should I own my own policy orshould my spouse?

6. Can I buy insurance on mybusiness partner?

7. Is the Non-Tobacco rate reallyTHAT MUCH BETTER?

8. Whats the difference between dividends and cash value?9. Whats a contestable clause and how could it hurt me if I dont understand it?10. What are PAID UP ADDITIONS and how can they increase my insurance coverage?

We could really fill a book.

Thats why you really need a committed agent to do all this thinking with you.

After all You probably have better things to do.

Let me and my team apply for that job !

Insurance is a very technical business:Policies, beneficiary statements, coverages, endorsements, exclusions.

I know how this industry works.I know its flaws, its strengths and its secrets that many in The Club would prefer younot know.You need someone who's going to navigate those complexitieswith you.Use an agent because you want good price and you wantprotection when disaster strikes.You deserve it!The best news here is that I'll help you for FREE !Why? Why would I spend my time revealing what's taken me

years to learn -- at no charge?I'll tell you why.I've built my business on my reputation. I find that the more Igive away, the more comes back to me.I never hard sell insurance. I'm in the service business. And the better service I give,the better it is for all of us.My clients stay with me a long time -- and they refer their friends.

2 BIG REASONS

TO BUY INSURANCE WHEN YOURE YOUNG(even before you may really need it)

1. Life insurance is cheaper when youre younger. On thepermanent portion of your insurance plan, the longer you put you

money to work for you, the better the result!2. When youre young, youre insurable. When youre older; maybe

youre not. Were all just one doctor visit away from NOT beingable to buy life insurance. If youre diagnosed with even a minorailment the cost of your life insurance can go up dramatically andin some cases, you wont be able to buy it at all.


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Ive been in business in San Diego County for over 25 years. My team is trained,licensed and eager to help you get on the road to Smarter Insurance.So if you want to protect yourself and your family from a future crisis or catastrophe . . .or just see how you can save money on your insurance, call my office.The worst you'll do is to spend a few minutes learning.

And just like the TV commercials tell you.

BUT WAIT ! ! ! ! THERES MORE!!!!!!!!

When it comes to buying life insurance, you should always deal with aLARGE, WELL-KNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you havent heard ofthem, be suspect. I guarantee youve heard of ours weve been at it for over 75 years!Today we have over 7 million life and annuity policies in force. Since 1929 we have beenprotecting American families one policy at a time. Just gowww.DennisVolz.com.

W O W ! K i n d o f i m p r e s s i v e !

I t h i n k so.

AAnndd ii tt ss AALLLL iinncc lluuddeedd aatt nnoo aaddddii tt iioonnaa ll pprreemm iiuumm......

BUT WAIT ! ! ! ! THERES EVEN MORE ! ! !We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. Thats right -- Doesnt matter ifits a claim or a question. You simply call my office number, 619-670-1000 and youll haveaccess to our 24 Hour Customer Response Team and/or to my personal cell phone.

Should you need insurance help while away from home, we have over 1000 claim offices andover 16,000 agent offices across the United States and Canada all committed to giving you

friendly, efficient home-town service (even if youre from California ! )BUT WAIT ! ! ! ! THERES MORE!!!!!!

We also offer free 24 hour online access to your policy information. Our company websiteoffers you more insurance information than your brain can possibly hold. Its all availablewith just the click of your mouse, 24/7/365.

You know what? Theres still morejust a little


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HERE IT IS. !

Were a friendly, local office with a licensed, trained team to assist you in every phase of yourinsurance. Weve been in business here in San Diego County for over 25 years.And, BONUS!Whenever you call us during regular business hours, theres NO ELECTRONIC TELEPHONEMENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,

there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)Go ahead. If its during business hours, youll get us; after hours and youll get the CustomerResponse Center. 619-670-1000 !

W O W , y o u s a y ! A n d t h a t s a l l i n c l u d e d a t n o a d d i t i o n a l p r e m i u m ? Y E S !

ONE MORElast one. I PROMISE

WELL REVIEW YOUR ENTIRE INSURNCE PORTFOLIO whether its with us or not FOR FREE.Face it! Life changes and your needs for insurance change right along with it. Well sit downwith you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in ouroffice, were glad to review your coverage ANYTIME YOUD LIKE Annually, semi-annually,monthly, weekly you ask for it, youve got it.Sometimes its done when you change cars or when you move. Sometimes we do a little mini-

review on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more ifthats what it takes. Its all up to you

This is so simple and easy to do.We do all the work for you and in usually less than 30 minutes, youll have

protected your family, their future financial stability, and your peace of mind!

Why somebody wouldnthave their LIFE INSURANCE with us is simply beyond me.

BUT LET ME MA KE A LITTLE EA SIER FOR YOUIn our agency we offer you 5 different ways to pay your premiums. You have your choice of

annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY

So whats so special about SPECIAL MONTHLY, you might ask.

Its special cuz its just so insanely easy.


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We set it up for you and your monthly payment comes right out of your

checking account: Same day; Every month.

S o , h e r e s w h a t y o u g e t

A FREE, simple process to help you decide if you need any life insurance and, if you do, tohelp you get just the right policy for YOUR needs.

A financially strong, been-around-forever Insurance Company (well, since 1929

anyway)

24 hour and nationwide customer service for claims or questions

Online access to your policy information

A local office with a trained team to help you (and NO MENUS WHEN YOU CALL)

A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF

YOUR COVERAGE

Payment options to fit any budget

Well walk you thru the whole process (probably will take less than 30 minutes)

Confidence that youre buying the insurance you need: NOTHING MORE, NOTHING

LESS

Yep, you guessed it

All included for no additional premium

If youre still not sure let me make it even easier.

Believe it or not, Ill

PAY THE COST TO COME TO MY OFFICE with some

FREE GA SOLINEThats right.

As a small thank-you when you purchase your LIFE INSURANCE policy in our agency well give you a

pre-paid gas card.

If youre still not sure let me make it FUN.

Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk

you thru the whole thing step by step, but Ill also give you a little bonus for the drive home with a


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FREE La t t e f r om St a r b u ck sAs another small thank-you when you purchase your LIFE INSURANCE policy in our agency well give

you a pre-paid Starbucks Card on top of EVERYTHING else

I knowjust too good to be true. BUT IT IS ! ! ! !

And yep, you guessed it

Its all included for no additional premium

It just doesnt get any better -

OR EASIER- than that

Youve got everything to gain and NOTHING to lose.

I look forward to talking with you soon!

Sincerely,

Dennis Volz10783 Jamacha Bl, Suite 1Spring Valley, CA 91978619-670-1000

This letter contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary.All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.

ALL RIGHTS RESERVED. Copyright (c) 2006 SmarterInsurance Inc -- No part of this document may be reproduced in any form,or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made toverify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Sincethis document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, andpersonal circumstances. (911.21740)

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7 Things You Need to Know BEFORE You Buy Life Insurance-6701000