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Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
Over our life time there are certain periods we can easily identify and plan for…
RetirementRetirement
September 27, 2005
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
Throughout our life we need protection for the inevitable and the unexpected …
RetirementRetirement
Life InsuranceLife Insurance
September 27, 2005
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
In our early years we need to protect our income and in our later years we need to protect our assets.
RetirementRetirement
Life InsuranceLife Insurance
Income ProtectionIncome Protection Asset ProtectionAsset Protection
September 27, 2005
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
The odds are you will survive a serious illness but … at what COST?
Life InsuranceLife Insurance
Income ProtectionIncome Protection Asset ProtectionAsset Protection
Critical IllnessCritical Illness
RetirementRetirement
September 27, 2005
Long - Term Long - Term
DisabilityDisability
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
Before retirement we must also protect ourselves from the loss of income due to disability.
Life InsuranceLife Insurance
Income ProtectionIncome Protection Asset ProtectionAsset Protection
Critical IllnessCritical Illness
RetirementRetirement
September 27, 2005
Long - Term Long - Term
DisabilityDisability
Long – Term Long – Term CareCare
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
Pre and post retirement, we begin to anticipate high health care costs and want to protect our assets and lifestyle.
Life InsuranceLife Insurance
Income ProtectionIncome Protection Asset ProtectionAsset Protection
September 27, 2005
LTDLTD & &
LTCLTC
Critical IllnessCritical Illness
RetirementRetirement
Long - Term Long - Term
DisabilityDisability
Long – Term Long – Term CareCare
Insurance Protection Insurance Protection LifecycleLifecycle
30 40 50 55 60 6565 70 75 80+ Age
Life InsuranceLife Insurance
Income ProtectionIncome Protection Asset ProtectionAsset Protection
September 27, 2005
LTDLTD & &
LTCLTC
Critical IllnessCritical Illness
RetirementRetirement