How Much Life Insurance is Enough?

An Acticle you should read...
The New York Times
How Much Is Enough
In Insuring a Life?

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Coverages


Life Insurance Solutions

Why Life Insurance?
The answer is simple.
Lifetime security for you
and your family.

Which type of life insurance
is best for me?
At F A R M E R S®, we will work with you to develop an affordable plan that meets your family’s present and
future needs.

Something to think about: What are the odds?
The truth is that annually, for those under 35, out of 100,000 people, 12 will lose their homes to fire. 360 will lose their lives. We all carry homeowner’s coverage to replace our homes and possessions. Of those 360 that die, without proper coverage, how many families will lose their homes anyway if the unexpected loss was of the main bread winner?


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with the m.i.l.k.® Digital ID

Digital ID

Ask me how I can help protect your most valuable asset...
denise@dKlockAgency.com


   F A R M E R S® has several types of life insurance products available.
 
  • Whole Life – Permanent coverage with a level premium, guaranteed not to change over the lifetime of the insured.
  • F A R M E R S® Flexible Universal Life – Offers flexibility of both premium and coverage amounts, provides a built-in accumulation account which earns a competitive current interest rate, along with a guaranteed minimum interest rate!
  • Term Insurance – Provides temporary coverage at a guaranteed rate for the specific amount of time you choose within certain limits.
 
When is the best time to purchase life insurance?
Right now!

Many life events remind us to think about reviewing our life insurance. Marriage, the purchase of a new home, the birth of a new baby. We get busy, we put it off. If you’ve found yourself on this page, you owe it to you and your family to schedule a F A R M E R S® Friendly Review today!
  Our products are designed with living benefits as well. Depending upon the plan you choose, F A R M E R S® policies can:
 
  • Help supplement your income for you and your spouse at retirement
  • Supplement your IRA or pension program
  • Provide income tax-deferred cash accumulation
  • Help fund college expenses
 
Choose a plan that provides peace of mind:
 
  • Count on a guaranteed death benefit
  • Use that guarantee to pay of a mortgage balance, final expenses, and personal debts
  • Select from a wide range of riders to customize your plan.
  • Accidental Death Benefit, Waiver of Premium, & Guaranteed Insurability are but a sampling of optional protection.
   
And, don’t forget the children! Youngsters are the most insurable due to age and health. Purchasing a juvenile policy helps guarantee your child or grandchild’s future!
     
   
F A R M E R S® is there when you need us.
Just call (800) HelpPoint 24/7
F A R M E R S® Gets You Back Where You Belong
  *This is a general description of coverages and not a policy contract. The policy itself should be read for coverages and exclusions.

Denise Klock     4N061 Farmview Road  Elburn, IL 60119     630-365-9850     630-365-2077 Fax
denise@dKlockAgency.com
 

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