Special Advertising Supplement to the Standard-Examin- Adding accumulation and control to your insurance program by Oneal S Wilcox LUTCF Naiinai PremiktFifaT'iftw Avakiation INSTRANIT ANII FlNANOAl AllVISIHK I HERITAGE FTnANUAI GKIKir If you’re looking for whole life insurance coverage that provides you with the opportunity for potentially greater wealth accumulation than is offered by conventional insurance policies variable life insurance may be a good choice foryou Variable life insurance offers you control over your life insurance program and may help you meet your financial needs What makes long-tervariable life a unique type of life insurance is that it allows you to accumulate wealth through a range of investment subaccounts in which the cash value of the policy may be invested At the same time you receive life insurance protection that’s guaranteed and remains in force during your lifetime m Investment Choices Most variable life policies permit you to select from several investment subaccount options and to change your selection at least annually By choosing from among a variety of investment options you can diversify your dollars to suit your goals and priorities Each investment subaccount 9 Saturday May 13 2000 er offered follows a distinct investment strategy and the returns of those subaccounts are not guaranteed Subaccounts can range from afixed account to blended and equity accounts Thus you can choose from a variety of investment styles when deciding how you would like to allocate your assets among the investment subaccounts Clearly the choices are numerous The myths of property and casualty insurance What is covered and what is not m are your homeowners policy has a limit by Douglas W Stewart LUTCF Vk K PlEMIf NTOHIIK BlWNfVIIJJ- IATKIN Ilf NM AMI FlNANTML AHVWHK FARMER INSURANCE CHm Here we are heading to the sand dunes with the Scouts We have the tents the camping equipment and most importantly the on the trailer Sounds like a familiar scenario? You may own one or two of the the Policy Benefits Variable life insurance can be very flexible You can adjust your program to match your current life insurance needs throughout your entire financial life cycle by changing the amount of premium you pay or the amount of your protection — all within one policy Variable life insurance also gives you tax benefits that combined with the potential for growth within the portfolios makes it an excellent alternative for long-terwealth accumulation In specific circumstances values from the variable life policy may be accessed prior to age 59 12 income without a tax penalty or current-yea- r taxes If your financial situation requires an insurance policy that offers you the potential for greater wealth accumulation and coverage that is both guaranteed and flexible a variable life policy may be right for you Not only does it provide the security of life insurance protection but it also allows you to earn potentially higher rates of return of course with higher potential risks - other ones on the trailer belong to the other parents Now as we are heading down to the sand Doug W Stewart find ourselves in an accident The sad part is the accident was your fault The four wheelers are totaled and so is the car we hit What is covered? The car you hit is covered thank heavens but what about the 4- - wheelers? Your insurance won’t cover them just because they were on your trailer Let’s hope the owners of the offroad vehicles had coverage on them Your insurance company isn't obligated to cover what you tow just what your car and trailer hit Physical damage coverage is cheap are not Get them covered In the next scenario you are sorry that you ruined your trailer and wife’s so to make it up to your wife you go out and buy her a new diamond ring worth about $8000 What a nice gift She will love you forever! Now if you just remember to call our insurance agent Chances on jewelry anywhere from $500 to $200 So if you are unfortunate enough to come home from a vacation and find your home has been broken into and the ring is gone you hope you called If you didn’t you may have about $6500 worth of apologizing to do (again) That can be a very expensive mistake Insurance can be your friend and serve you well if it is used properly You should have an agent that will explain coverage to you so your policies meet your needs and not the insurance company’s needs There are many misunderstandings that can take place such as the antique car in the garage is not covered under the home insurance Neither is the trailer the boat motorcycles etc If you have toys make sure you get coverage both liability and physical Every company has special coverage and exceptions in their policies so read carefully and ask as many questions as you feel necessary Ask your agent if you can review your poGdes annually All ofour Eves change and unless we have those annual reviews you may miss out on coverage you should have had In those annual reviews your agent can help you manage your insurance In some cases you can make too many claims and most companies will cancel you or raise your deductible We all pay a lot for insurance Most of the time we think we pay way too much but we need the coverage Use it wisely and to your advantage Manage your deductibles to control your premiums and review your policies often Disability income protection Secure your most valuable asset — your earning power by David L Carver i Heritage F inancial Group “People know they can become disabled but you never think it’s going to happen to you This accident came out of the blue” e To many of us a A New Job disability is one of During the course of his rehabilitation those things that Paul realized just how critical the decision only hjpens to other had been to work with his agent and make disability income protection a priority people But thinkFull-Tim- ing that way can place TOM STANGER INSURANCE David L two locations for Personalized Professional Service YOUR CONVENIENCE t'ntr3ni32i!:fni& QUO-- - he?' 0003 Since 1979 AUTO TAX ADVANTAGED MUTUAL FUND INVESTMENTS MOBILE HOMES AGE 50 RVs ETC & OVER HEALTH GOOD STUDENT 'BONDS IMMEDIATE SR 22's LOW RATES ON HIGH RISK TERM & UNIVERSAL UFE ANNUITIES Visit Our Web Site: wwwgreatwaycomtsins TAX ADVANTAGED BUSINESS IMMEDIATE COMPUTERIZED well-esta- upper Midwest d how fast life can change knows and the value of protecting one’s ability to earn an income In 1992 Paul fell while playing volleyball at a family reunion Taking a spill during a friendly volleyball game doesn’t sound like event but Paul’s neck twisted a in the fall dissecting an artery leading to his brain As a result he suffered a stroke Paul spent the next seven weeks in the hospital and was forced to face a series of new realities Virtually every aspect of his life had changed “When I woke up" he says “1 couldn’t walk or talk I couldn’t read or write I had very poor coordination in my hands It was a long long time before first-han- HOMEOWNERS AUTO DISCOUNTS Carver your entire financial future at risk Consider this question: what if your ability to earn an income died 30 years before you did? b Paul a lished attorney in the MILITARY QUOTES FROM OVER 30 MAJOR COMPANIES Fwaswirabteto tunesradjo1 o Relearning those skills such as grooming and feeding himself became Paul’s full-tijob And with the security provided by his disability policy Paul could focus on strength- ening himself “The accident affected my ability to be a parent and operate as one of the heads of my household" Paul says “But it also had a big affect on my practice They don’t call lawyers ‘mouthpieces’ for noth-in- g and my inability to communicate obviously meant I couldn’t counsel or negotiate or argue I couldn’t be a lawyer until I relearned the basics” Today Paul is back in action as an attorney It’s been a slow process but he’s proud of his accomplishments And he’s thankful he was able to concentrate on returning to the office without having to worry about family finances “It took me and my family a long time to get used to this new way of life" he says “But at the same time the disability protection allowed many aspects of our life to remain constant We were able to ay in the same house in the same neighborhood My kids were able to go to the same 4'hool with the same friends Ill always beferate-fciHorthat’ “ -