William Penn Life, 2008 (43. évfolyam, 1-12. szám)

2008-12-01 / 12. szám

Moneywi$e

with Mark Lantz

Life Changes

New baby.. .New Home.. .Living expenses.. .College expenses.. .Weddings.. .Retirement.. .Funeral expenses... Inheritance taxes...It's a cycle most of us live through and which repeats itself for the next generation.

As we plan for these changes in our busy lives, we should keep in mind that owning our own life insurance can carry us through life's changes and challenges. Ownership is everything.

More Americans are realizing the value of owning their own life insurance.

How much is the right amount? The amount of life insurance depends on many factors.

The best way to find out is through a Financial Needs Analysis. This will tell you the amount of death benefit necessary to maintain your family's on-going living expenses and plan for college, retirement and other unexpected expenses. Your WPA sales representative can help you with this analysis.

Three items will be determined by this analysis:- The face amounts needed for short- and long-term needs;- The premium you will be able to afford to complete your coverages; and- The face amount of permanent life insurance needed for the long term and the amount of addtional term life insurance needed to cover the higher expenses of raising a family.

Share the value of life insurance with your family. Encourage your adult children to plan today and not wait any longer. Too many adults are not adequately covered. Are you?

LIFE PAID-UP AT AGE 65 LIFE PAID-UP AT AGE 65

ISSUED TO AGE 60 ISSUED TO AGE 60

FEMALE, NON-SMOKER MALE, NON-SMOKER

STANDARD MONTHLY PREMIUMS STANDARD MONTHLY PREMIUMS

AGE$10,000

$25,000

$50,000

$100,000

AGE

$10,000

$25,000

$50,000

$100,000

20$10.84

$20.34

$40.68

$41.13

20$7.86

$12.89

$25.79

$47.07

40$17.89

$37.98

$75.96

$76.86

40$12.02

$23.31

$46.62

$88.74

60$31.30

$71.51

$143.01

$147.42

60$19.91

$43.02

$86.04

$167.58

Call your local WPA sales representative for an upgrade of your permanent and term life insurance today. If you do not have an agent, call Mark Lantz, Sales Director, for assistance at 1-800-848-7366, Ext. 134.

We look forward to helping you and your family, today and tomorrow.

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William Penn Life, December 2008