Show ibr Social Xivertfsir Are you really adequately insured? L Christensen LUTCF ft hi Huai mss Chaikin nit Binnhiij Ax'hiaiuinoi-Issham t ami Finam iai Aiauiost by Gary iNSCKANtt i ClI When was the last time you needed to have one of your vehicles towed or required labor to be completed on the spot in order to make it operable again0eoutofgas tire replacement battery charged new belts etc)? Have you ever been involved in an auto accident which ren-de- rs your vehicle inoperable? Do you have access to another vehicle while yours is being repaired? For a minimum premium you may carry insurance coverage for these hazards: namely towing and labor coverage and rental reimbursement coverage Check with your insurance agent to review your coverages on your automobile insurance policy Do you own an expensive aftermarket stereo system which includes extra speakers graphic equalizer amplifiers CD changer etc which are all located elsewhere other than where the manufacturer originally intended them to be? Do you also carry cassette tapes or CD’s? There are optional coverages for these situations under sound system and tape coverage The sound system coverage -- ttaaini could also include CB radios video equipment and cellular phone equipment It is crucial that you speak with your agent regarding these special optional $(iniaVd-l!xaniri- !&6b?' — "5 mu i H ’Sa'tufdiy) May ef If dTuncOTiM3ioqrAwmJuv'i k'lf A teauMv- -- yx cov- erages Even more important that the above mentioned optional coverages is the responsibility of carrying adequate liability insurance If you are found negligent in an automobile accident where you have caused bodily injury or death to the occupants in the other vehicle and property damage to their automobile it could cost you thousands of dollars and much anguish if you are not carrying adequate liability limits for you financial situation Please also make certain that you and your passengers are insured adequately for bodily injury or death caused by yourself or other drivers in an accident The other operators could also fall into the category of uninsured or underinsured motorists You can also carry limited lA Sbpiemeftt'td Ukmnn -- f ulkESSB O Mlf Ever wish it came with an instruction manual? Our financial strategies program is like an instruction manual for your finances It provides you with a realistic assessment of your current financial situation is six key areas: savings standard of living investment retirement planning insurance ' coverage for property damage to your vehicle caused by an uninsured motorist if you do not carry collision coverage on your vehicle There is also an inexpensive coverage called Automobile Death Indemnity which could pay up to $15000 each for you and your spouse if an automobile accident results in death It is very important that you are aware of the insurance coverages you carry pn your automobiles You should have at least an annual review with your insurance agent Don’t be caught with inadequate coverage Be a responsible and educated driver protection and estate planning Fora free financial strategies program contact: Calvin D Welling CLU ChFC CFP HERITAGE FINANCIAL GROUP INC Ogden UT 84401 2506 Madison (801)399-540- 9 HfcRITAOB FINANCIAL calvinwellingheritagefinancialgroupcom or visit our web site GROUP wwwheritagefinancialgroupcom ( l I'V Gary L Christensen LUTCF 4484 Snuth 1900 West Jayna C Taylor 5804 South Harrison BhrL South Ogden Suite 5 Roy Patrick A Dover CLU LUTCF 1981 North Hum Victor G Crowther LUTCF 192 North Fort Late Suite 2 Lavton 7 0 Layton 0 John J Park 3850 Washington Blvd Ogden 627-40- 9 c I i! CLU ChFC LUTCF 5275 South 1900 West Dorothy M NufTer LUTCF LUTCF 100 Smith Roy 7744)772 Washington fthd Ogden 0 Being in good hands is the only place to ©1997 Allstate Ufe Insurance Company Northbrook Illinois Policies have exclusions which may affect coverage l7TtPnBVIW)0IIAM 152 West 500 South Bountiful 0 boSM U Brian C Hawks A5 J1L JJJ East 2nd St Suae iS David N Hawks CLU LUTCF Ogden 400 North Haiti Suite 0210 0 Clearfield 7734)888 instate: You’re in good hands |