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Be sure and watch and see what Teri has to say. 

Plan to Work After 65? Your Life Insurance May Have to “Work” as Well

American workers plan to keep working past Age 65. If you’re one of them, will your life insurance also continue? The recent Transamerica Retirement Survey found that a majority of workers plan to work past age 65 (56%) and a majority (54%) plan to continue working after they retire. Just 39% believe they are building a sufficient nest egg, thereby underscoring the need to redefine “retirement readiness” in a way that is better suited to these new realities.
For the past few years, the Transamerica Retirement Survey has seen an emerging trend of workers who plan to work past age 65, including

some workers who do not plan to retire. This year’s survey found that these expectations are prevalent to varying degrees among workers of all age ranges, not just older workers.
If you are one of these workers, your need for insurance after 65 to replace lost income in the event of your death becomes very important. You should review your current life insurance policies to determine if they continue past age 65, and if so, for how long and at what cost. Now may be the time to replace your term insurance with permanent insurance, which will stay in-force as long as you need it at a fixed price with no future increases. You could even choose a life insurance policy that includes long-term care benefits in the event you need extended care.
The effects of the Great Recession are reflected in workers’ changing expectations of retirement. Working past age 65 is an important opportunity to help to alleviate a retirement savings shortfall. Life’s unforeseen circumstances, such as a job loss or health issues, can have a devastating impact on the best laid plans. The “what if” scenarios are critical for American workers of all age ranges to include in their long-term preparations.
Nearly one in three workers (29%) expect to financially support family members other than spouses or partners, after they retire, while 13% expect to receive financial support from family in retirement. This makes the need for insurance after age 65 even more important.

Give us a call. 

"What is your life insurance strategy? "

www.farmersagent.com/rcorwinrey

Women and life insurance Why should a man buy life insurance? To protect his family,  replace lost income if he dies, provide for his own retirement  security and so on. The decision to purchase insurance  typically reflects a loving commitment to family and recognition  of the need to meet other financial responsibilities.  Why should a woman buy life insurance? For the very same reasons. Some facts Just 40 percent of women own individual life insurance.  (Source: “MarketTrends — LIMRA’s Factbook: 2010  Trends in United States”) Women of all ages average smaller amounts of individual life  coverage than men of similar ages. On average, women have  $129,800 of individual life insurance, while men have  $187,100 of individual life insurance coverage.   (Source: “Facts About Life 2011” LIMRA, 2011) The time mothers spend performing the 10 primary “mom job functions”  would equate to an annual cash compensation of $117,856 for a  stay-at-home mom. Working moms would earn $71,860  above their regular salary. (Source: salary.com, 2010 survey) What about you? What does your life insurance coverage look like? Is it adequate to  help your loved ones, meet your objectives and fulfill your responsibilities? If you’re part of a two-income family — Today in many families,  husbands and wives are economic partners and those two-income  families typically depend on both paychecks to make ends meet. If you’re a single woman heading a household — If you’re the sole  breadwinner responsible for the support and care of your children,  your need for life insurance may be more crucial than in a  dual-parent household. If you’re a full-time homemaker — How would your husband and  children manage without you? While much of what you do as a mom is  beyond value, replacing some of the services you perform could cost  tens of thousands of dollars a year. If you’re a single woman — You may be single but you’re probably not  without responsibility. You may have a mortgage or outstanding credit card debt.  Perhaps you help provide support for aging parents or grandparents.  Should anything happen to you, there will be final expenses that could cost  tens of thousands of dollars. Without life insurance, these obligations could  fall on parents and other loved ones. Call me — I’m here to discuss your individual situation so that you can decide if life insurance is appropriate for you.  And if you feel it’snot necessary at this time  we can review your other insurance policies so you can be sure you have the coverage you want.

Can I borrow your car?

What if I let someone else drive my vehicle and they get into an accident?

• Generally speaking, insurance goes with the vehicle. For example, if you have an accident while driving someone else's vehicle, the owner's insurance would first, be applied toward damages to the vehicle. Your Auto insurance would also generally apply in the event that the owner of the vehicle had no Auto insurance or did not have enough auto insurance to pay for the damages. Personal Injury Protection, which varies from state-to-state, covers the individual under their individual policy. For example, if my friend is driving my vehicle and gets hurt in an accident, my Auto insurance will cover the damages caused to my vehicle, but their Auto insurance will cover injuries caused to their person.
  
  
  
  
  

Friday the 13th

Every Friday the 13th we run a poll on Facebook on what the office 

staff has to wear that day.

July 13th the fans picked 

"Evening Gowns" 

The offices have different theme's going on... 

Way fun..

Friday the 13th -

Every Friday the 13th we run a poll on Facebook on what the office 

staff has to wear that day. 

April 13th the fan's picked 

"PJ Day" 

Karina 

Renee

Yesenia 

Teri 

Kimberly

Ashley

Heidi

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