Life insurance needs rise astrends

Life insurance needs rise as
trends change. The time is right to
review your risk and protect your life.
INTRODUCTION
The U.S. economic recession of recent years
has touched all Americans, and the working
middle class has been especially hard hit.
The market is healing, yet job prospects
remain limited, wages are idle, and savings,
investments and home values are low.
In this environment, consumers have had
to reconsider their definition of financial
security. Some have changed their behaviors
to spend less, pay off debts and build
emergency savings. Yet many more millions
are missing out on true financial security
because they don’t have enough—if any—
life insurance protection.
Solutions for life
Life insurance is a simple, affordable way
for individuals and families to protect their
present lifestyle and strengthen their future
stability. Life insurance products are known
to give consumers more choices, more
control and more total protection.
While most people acknowledge their
need for life insurance, ownership of such
policies ironically remains at 50-year lows.1
LIMRA, an international association that
provides research and consulting services in
the financial services industry, reports that
less than half of middle-market consumers
have individual life insurance2
and one-third
have no life insurance at all.3
At the same
time, the average amount of coverage has
declined to $167,000—down 16% from a
decade ago.4
At a time when more people need life
insurance, why aren’t they making it part of
their financial plan? Some experts believe the
sluggish economy forced consumers to cut
all costs, even ones that contribute to their
immediate and long-term well-being.
Another issue is education. Many people
haven’t considered the tragic impact on their
family’s finances if a wage-earner passed
away prematurely.
According to LIMRA research, one-third
of Americans would have immediate
trouble paying everyday living expenses
if their household’s primary breadwinner
died. Half could keep up with bills
only a short time—up to six months
at the most.5
Young families have the greatest financial
risk, as they generally have little savings to
fall back on. These families also have higher
debt and lower salaries and savings. Rather
than seeking out solutions, they’ve put off
making decisions, perhaps because they lack
knowledge of financial security products like
life insurance.
Introduction
1
Review your risk
2
Traditions and trends
2
Life insurance defined
3
Life event triggers
4
Your family’s future
4
The case for individual
life insurance
6
How and where to buy
6
A note about
healthcare reform
6
The bottom line
6
By Hank Wong, FLMI, Director of Life Insurance Sales
2
© 2014 Washington National
(09/14) 155811
WN-WP-LIFE
-LIFELife insurance needs rise as trends change. The time is right to review your risk and protect your life.

ผลลัพธ์ (อังกฤษ) 3:

Life insurance needs rise as
trends change. The time is right to
review your risk and protect your life.

, INTRODUCTION The U.S. Economic recession of recent years
has touched all Americans and the, working
middle class has been especially hard. Hit.
The market, is healing yet job prospects
remain limited wages idle, are, savings and, investments
and home values are. Low.
In, this environmentConsumers have had
to reconsider their definition of financial
security. Some have changed their behaviors
to, spend less. Pay off debts and build
emergency savings. Yet many more millions
are missing out on true financial security
because they. Don 't have enough - if any life insurance protection.
-
Solutions for life
Life insurance is, a simple affordable way
.For individuals and families to protect their
present lifestyle and strengthen their future
stability. Life insurance products. Are known
to give consumers, more choices more
control and more total protection.
While most people acknowledge their
need. For, life insurance ownership of such
policies ironically remains at 50-year lows.1
LIMRA an international, association. That
.Provides research and consulting services in
the financial, services industry reports that
less than half of middle-market. Consumers
have individual life insurance2
and one - third
have no life insurance at all.3

, At the same time the average. Amount of coverage has
declined to $167 000 -, down 16% from a

decade ago.4 At a time when more people need, life
insuranceWhy aren 't they making it part of
their financial plan? Some experts believe the
sluggish economy forced consumers to cut
all. Costs even ones, that contribute to their
immediate and long-term well-being.
Another issue is education. Many People
haven t. ' Considered the tragic impact on their
family 's finances if a wage-earner passed
away prematurely.
According to, LIMRA research. One-third
.Of Americans would have immediate
trouble paying everyday living expenses
if their household 's primary breadwinner
died.? Half could keep up with bills
only a short time - up to six months
at the most.5
Young families have the greatest financial
risk,, As they generally have little savings to
fall back on. These families also have higher
debt and lower salaries and, savings. Rather
.Than seeking out solutions they ', ve put off
making decisions perhaps because, they lack
knowledge of financial security. Products like
.

life insurance Introduction 1


Review your risk 2 Traditions and trends

Life 2 insurance defined

Life 3 event. Triggers

Your 4 family 's future

The 4 case for individual


life insurance 6 How and where to buy


6 A note about healthcare. Reform

The 6 bottom 6 line

.By, Hank Wong FLMI Director of, Life Insurance Sales

s 2 2014 Washington National
(09 / 14) 155811 WN-WP-LIFE
-
LIFELife insurance. Needs rise as trends change. The time is right to review your risk and protect your life.