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Show 1 Sun Advocate Price, Utah Tuesday April 2, 2002 3B Insurance knowledge a must for everyone M JOHN FORD in the future. Your ability to vide income and the pc for future earnings ist aspect faucial adviser irfam- Human! considers Wue fly. your role as caregiver and your contribution to the maintenance of your home. . There are two different types of life insurance term insurance (often called temporary insurance) and permanent or cash value insurance, which is available in many different forma. d Thnn insurance provides period of time. It provides pure death pro known, is life insurance. Less fatection, meaning if tbe insured miliar, but as least as important does not die within tbe policy in many situations, is disability period, the policy will expire insurance -- a product that is in- without paying a death benefit to tended to pnwide for your care the beneficiary. Permanent in when you are disabled. surance, on tbe other hand, Life Insurance. Most of us provides the insured with know that life insurance is de- lifetime coverage. It provides signed to provide proceeds to death benefits rregardles ofwhen ' those people who depend on you you die. In addition to death profinancially. If you are single and tection, it also provides a cash have no dependents, you may vahie accumulator clement with need less life insurance then if a minimum guaranteed rate of return. you are the sole breadwimerina Because term insurance polifunOy. Many methods exist for cies have no cash value, determining how much life for term insurance are One flnmmnn piiilMin ay generally lower than other types your insurance should equal six of insurance. However, in many to eight times your gross annual cases, long-terpremiums are income, plus the total of any usually higher than other types debts and obligations, such as of insurance as you get older. of mortgages, personal debts or colDisability Insurance-Mo- st lege tuition for children. So if us consider health insurance to is SSQjOOO and you be a critical need, especially as youri : expenses totaling$150J)0Q, protection from serious Alness or accident. But docs it make sense M, plus $150000 forex-s-). to prepare for tire medical costs This wohld allow your ofa disability without taking into heirs to payyour immediate consideration the costs of food mvest the balance to and shelter for our families? If provide replacement income on you depend on your income to an ongofag basis, both from the lump sum and the interest it gen-- The events of SepL 11 have a mamr people to more care&illjr about providing for their famflira in the event they suffer a disability or loss of life No one wants to Icave.thcir dependents in die hndi nor do you want to be a burden if you should become disabled or unable to take care of yourself or your loved ones. There are two types of insurance that can combine to meet these needs. Tbe first, and best oth-eiwi- -- se . pro-ine- typi-cal- ly " initial-premium- s m . Another method, Human Lflc Vriue takes into account your true value toyour family now and ms 1 pay the bills, you should have disability insurance. Studies show that more than 40 percent of people age 35 and under will be disabled for 90 days or longer by tbe time they reach age 65.1 Being disabled usually means losing your income be- cause you are no longer able to Thats where disability insurance can help. Some employers provide same disability insurance, but these policies are usually limited to no more than 60 percent ofthe employee's base salary. That can leave you greatly underinsured, especially if you receive bonuses or commissions as part of your income, since these are not usualto covered. Abo, disability benefits received through your employer may be taxable, reducing your income even further. Purchasing your own disability coverage can help because it could enable you to replace your actual earnings. Phis, the benefits because you are income py forandthem with after-ta-x ir dol- Ian, your disability ance stays with you even if you change employers. ' Determining the right combination of life and disability insurance can be quite complicated. Before buying insurance, consult with a knowledgeable financial advisor to get a full understanding of the various policy Qpes, cost, conditions, etc. and how protection planning fits into a comprehensive financial plan tailored to meet your specific financial goals. . work. 9 . .. . 4 -- 45 'V V fa-co- ' sv,y ...... Caucuses kick off political season In Carbon County The Democrats and Republicans met cm March 25 for their caucuses. At these meetings the party members picked officers for their precincts and delegates for their county and state conventions. From these conventions will come the candidates that will be voted on in the primary election on June 25 and the general election on Nov. 5. ' 'vs jf , t ' ; .vf' , ' ; '. v ' 1 if. I ... , ' v. ., . tax-fr- ee V .r ' - m Nows a smart: time to refresh you r home and save Did You Know?. Worldwide, there are more than 4,000 daily, weekly and other newspapers online. Soiacg Ren About Ntwipapm . 200 Pubfehed by Newpaper Aworiition of America Thank You Helper Junior High, faculty, staff and students would Eke to thank ihefoQowing for their generous donations to our Ram Ticket Incentive Program. With your assistance and generosity the program was very successful con-tributo- rs . Balance Rock Credit Union Balance Rock Eatery A Pub Baskin Robbins Ice Cream BflTsHomeFliniishmgs Carton Oedil Union fYwnmjwonn I limhw Yard CEU Cosmetology Chuck's Pharmacy CbcaOola Desert WneRnl Frank FtastenbeigsPizza Hut Gateway Lanes; Helper Geneva Rock Hair Hut Helper Mining Museum Zions Bank f:- JJLa Family Restaurant Jensens Country Lanes, i.PS GsibonviUe KenWorth . - Mi- - Little Caesars Pizza McDonalds Papa Murphys Pisa Feczuh Printing . Keys Home Equity Line of Credit offers one of the lowest rates in years, am because wv reps Price Theaters . - it includes a line of credit plus up to three variable-rat-e options, you have the flexibility to finance purchases or projects with low predictable payments even when rates rise. Take advantage of this great offer and youll get a Key Advantage relationship account, a great home equity rate and the expert advice of a Key fixed-rat- e Susies Candies IkcoBeU Bade Secrets Utah Central Credit Union . . Wil-Ma- rt Wendys Relationship Manager. All . with service thatfe surprisingly easy to get used to. Visit a KeyCenter, Key.com Revival Services First Baptist Church .200 North 300 East or to start saving today. call t , Price, Utah 435-037-13- 48 Sunday, April 7th through . Wednesday Evening April 10th Sunday Services. 11:00 am. Services each evening 7:00 pjn. ; ' April 7 through April 10. KeyBank Achieve anything. - r-- y. A potluck dinner will be served after the morning worship on Sunday. -- & z I-- 1 College will be the evangelisL He is a Spiritfilled, powerful teacher and evangelist from Dallas Ifexas. You will be challenged, convicted, ami moved by the message from Gods Holy Word, Jhe Bible. 4 ' to owe appravy. Thv dsdooed reta vocampln an based on 7h Wal Street Journal Plime Primal minus a mwgjh of .76 (3.00 a of 00102) and Prim mlnui a margin of 25 (40 APR as of 020102 The introductory rate wl be crtoulaled rt PMma rrtnus ragki of .78 tar tat b( mantm Actual rain after ttw hkoduclay period era detamined by product tern, ban amort and end quelfcadanx ' .. . ng..., Mm ray ywybtt vi iwvvwaM 16 APAlhmbm annuel fee of $99 (S49wAh Kay Advantage). Certain cafetaraliMMcilonBapplyi ..Plcperly and hazani kwuranos am raqutodon ttw property aecuring thajna. Wa wiwtfve flood aeartii, title aaarch. reocmk rod roprtad laea. and mortoagetpappcatilti)awwoclBledwirhcpenlnfl Vie may be required (coat rangea from $215 to SI 32). If you-- . few tamtiales for ary maaonwttiln 3 years, a $360 fee wl apply (M50 hNV).Fae of $60 for each xechale option advanced. Other rates ahd terms walafals.Daooumd rats olar la kisflact for applcallons taken prior to May 31, 2002. tNewKsyAAantagsMonsy Market ChecMng Amount aaqdtsd to reoatvs Nroductory pricing. The standard monltty mpHansnos servios ctwgs of $12 rod tmactlon aarvlos chargaa apply Iha monthly tntenlananos aantes charge of $12 la waived Mrtwn you maintain a minimum ralallonahlp betanos of $lOJxnwmorshquaiiyinUaBpoakofBta,idhrm4htMlrwBstmM(BNclud 1 ( - APR & Dr. Richard WcDs president of Criswell Bible C4 C4 C4 - ?, Everyone is Welcome! 4 .j. , ; tr - . .. - Member FDIC Iwamt i J ft.. "'V -- . u 1. . s 3SE V |