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Which would you prefer your family gets when you die?

With Life Insurance		Without Life Insurance

*Disclaimer: $1,000,000 check is for demonstration purposes only.

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Testing Your Love

Ask yourself this question. What would my family be doing today if I died last night? What would I like them to be doing? (Back To Top)

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Another Look at Reality

Nearly everyone has some valuable assets which they insure. You have your home insured - are we right? How about your car? Yes. We insure these assets to avoid the financial losses we would suffer if they were destroyed. But as long as you are alive, and able to work, you can replace the house or car.

It's your earning power that makes all these other things possible. How would anyone replace your paycheck? Shouldn't this asset be insured? (Back To Top)

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You Are Your Primary Asset

Do you know that 90 percent of your assets are standing in your shoes right now? (Back To Top)

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Three Alternatives

There are only three sources of income in our lives: people at work, money at work, or charity. When a person is no longer working to produce an active income, money must be available to go to work for us. The only other source of income is charity. Which do you want for your family when you die? (Back To Top)

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Of Every 100 People

Every 100 people who begin their careers reach age 65 in one of the following financial situations:

Where will you and your family be? (Back To Top)

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Chance of Death During Mortgage Period

Age When Loan Is Made		Chance of Death During Mortgage Period
25		1 in 9
30		1 in 8
35		1 in 7
40		1 in 6
45		1 in 5
50		1 in 4

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Will Widows Remarry - The Results Are In...

Age When Widowed		Number That Remarry
30-40		403 of every 1,000 remarry (40%)
41-50		193 of every 1,000 remarry (19%)
51-60		86 of every 1,000 remarry (9%)
61-70		46 of every 1,000 remarry (5%)
With young dependent children, the likelihood of remarriage is further reduced.
Source: Actuarial figures from American Table.(Back To Top)

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A Letter From Your Life Policy - "Trust Me, I Trust You!"

Dear Policy Owner,

I Am Your Policy

You and I have purposes in this world, which when analyzed, are quite similar. It is your job to provide food, clothing, shelter, schooling, medicine, and many other things for your loved ones. You do this while I lie packed away. I must have faith and trust in you. Out of your earnings will come the cost of my upkeep. At times I may appear to be somewhat worthless to you, but some day (and who knows when) you and I will change places. When you are laid to rest, I will come alive and do your job. I will provide the food, clothing, shelter, schooling, medicine, and other things your family will continue to need just as you are doing now. When your work is done, mine will begin; through me your hands will carry on.

Should you live and care for your family without me, I will really do a job for you. When you reach the golden retirement age, I will go into action and help provide some of the necessary dollars that will be needed when you can no longer work (referring to a permanent policy). Whenever you feel the price you are paying for my upkeep is a burden, remember that I will do more for you and your family than you can ever do for me. If you do your part, I guarantee to do mine.

Truly,

Your Life Insurance Policy (Back To Top)

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Early Death Examples

Here are some examples of early deaths that may have occurred shortly after the life insrance policy was issued.

Job	Cause of Death	Age	Months in Force
Computer Programmer	Auto Accident	29	9
Housewife	Auto Accident	44	2
Housewife	Auto Accident	30	14
Student	Auto Accident	21	13
Child	Auto Accident	2	4
Student	Homicide	16	20
Carpenter	Cancer	55	7
Optometrist	Cancer	37	11
Cleaner	Hepatitis C	34	21
Engineer	Heart Disease	55	6
Construction Worker	Cancer of Intestine	35	15
Physician	Liver Disease	32	12
Manufacturer	Accident	40	7
Teacher	Accident	27	8
Computer Support	Accident	24	23
Cattle Farmer	Accident	27	16
Store Clerk	Robbery	24	3
Retired Doctor	Heart Attack	48	17
Child	Drowning	4	22
Child	Drowning	6	8
Child	Drowning	2	11
Stock Broker	Accident	31	20
Car Mechanic	Heart Attack	30	4
		Average Age	Average Months in Force
		28	11.86

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Causes of Death Report - 2002

Below is a hypothetical review of 3000 policies and the causes of death by percentage. The numbers may vary by insurance companies, but we feel the numbers will be similar.

Natural Causes of Death	Percent of 3000 Policies
Hearth Disease	21.5%
Cardiovascular Disease	4%
Circulatory Disease	3.5%
Cancer	35%
Respiratory Disease	8%
Liver Disease	3%
Kidney Disease	1.5%
AIDS	.5%
Other Diseases	11%
External Causes of Death
Motor Vehicle Accidents	4.5%
Suicide	3%
Homicide	1.5%
Other Injuries	3%
Total	100% of 3000 Policies

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Closing Thoughts..

We hope this life insurance information was helpful in understanding why Life Insurance is so important. Many people ask us, well great, now what? We recommend a two step process which takes less than 5 minutes. Your family is worth it!

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The source of many of these facts, stories, comments, examples, and letters are from our Life Specialists, LUTC Fifth Edition Exploring Personal Markets, and our clients.

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