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Iowa
residents
have received
CA$HBACK checks
exceeding
$6,214,587.50
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Protect
your most important asset.... YOUR IDENTITY!
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Life Insurance Products
Things
to consider......
Why
Do I Need It?
What
Kind of Life Insurance?
An
insurance and related services tool
Benefit
Riders
How
much Life Insurance is right for you?
How
much coverage should you own personally, not counting group
term coverage? With so many people frequently changing jobs
these days, many are learning that owning and controlling
their own life insurance policy has many important advantages.
In addition they are often surprised to learn that they
have been significantly underinsured.
Traditionally,
individuals tend to buy life insurance in round numbers
such as $100,000, $250,000 or $500,000 or
using the general rule of purchasing 8-10 times their household
income. Few actually try to determine the correct amount
to purchase. While doing so is a relatively simple process,
it can be uncomfortable for some because it involves thinking
about death. Given the importance of this issue to survivors,
the best solution is to move beyond that discomfort and
plan accordingly.
Determining What Youll Need
Consider
family needs within the first few months of your death.
Funeral expenses, administrative costs and other immediate
expenses can be shocking. In addition, clearing up unpaid
bills or revolving debt like credit cards or consumer loans
is often necessary.
Determine
how much will be required to pay off any remaining mortgage
balance on your primary residence.
Providing
an education fund for your children is also critical. There
are many schools of thought regarding this, but you must
consider how much money you would like to see allocated
for your childrens education in case of your death.
The
final issue is often the largest income replacement.
If you have taken care of the above-mentioned needs, most
studies indicate that a typical family can maintain its
standard of living on 60-75 percent of pre-death household
income. While it is a personal choice, you must consider
whether the beneficiary will live off the principal paid
by the policy or the income it generates through investments.
It is also important to consider the length of time this
money will cover. Most families decide that this should
last at least until your children are out of college.
To get your own personal Life Needs Analysis,
Call Osby Insurance Your Agency for Life!
515-727-LIFE (5433)
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American National
Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield,
MO
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These
brief descriptions of coverages available are for illustrative
purposes only, and are not intended as a statement of contract.
For actual terms and conditions of coverage provided, refer
to your insurance policy, or, for more information about coverage
options and availability, talk to your American National agent.
All products, coverages, and options are not available in
all states, and eligibility guidelines apply. American National
Family of Companies reserves the right to discontinue programs
at any time.
This
site may have links to other sites, which are not maintained
by American National Insurance Company, it's subsidiaries
or affiliates. Such links do not imply endorsement or approval
of these sites or the content therein by American National,
its subsidiaries or affiliates.
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Osby Insurance operates exclusively in the State of Iowa
Copyright © 2007 Osby Insurance and Some Assembly Required.
All
rights reserved.
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Greg
Osby, CLU
8515 Douglas Ave. Suite 22
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:
Des Moines, Urbandale, Clive, Windsor Heights, West
Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston,
Iowa

With
ANPAC Five Star Claim Service you can be
sure that your premium dollars will buy the protection
you need and the prompt, courteous service that you
deserve.
Choose
American National for your auto, home, and life insurance
needs, and receive up to a 15% TLC Discount on qualifying
auto and home premiums.

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