build a foundation you can count on first -- for tomorrow and beyond.

• BUILD A PROTECTED FINANCIAL BASE.  It's so easy to prepare for the "what ifs" in life that are tangible (such as insuring jewelry in case it gets stolen, or insuring your car in case it gets damaged), but there are so many intangible things to prepare for as well.  For example, injuries, illness, and death happens every day, but unless it's happening to those around us few people take into account the fact that medical science is able to keep us alive for much longer than ever before... but at a cost.  Medical bills, our lost income during recovery, and the long-term influence on our lives and our families not only leave a tremendous emotional impact, but a financial one as well.   You may not think of yourself first as being so valuable and influential to those around you, but if something unexpected happens to you that causes you to experience a traumatic event, you're going to quickly realize how important your preparation for this kind of "what if" really was.  Not to mention that when it comes to life insurance, you can purchase permanent life insurance at much lower rates when you're younger and then reap the benefits of those lower premiums (which is the money you pay the insurance company) for the rest of your life, no matter how your lifestyle may change in the future (which is a feature that most people don't realize).  With Living Benefits protection we'll help you protect yourself and your family today in one of the most effective ways that you can, and if you take advantage of the cash value component of an Indexed Universal Life policy with Living Benefits, you'll also be leveraging the loan features and capital flexibility that only these insurance products can offer.

• DIVERSIFY INVESTMENTS AND ASSETS.   In effective financial planning you must consider three major elements to growing your money: time, capital, and return.  The most influential of these three elements is time.  For example, even with a modest annual return from an indexed account you can gain almost 40% more just by investing 5 years earlier!  And as an "added bonus" we'll make sure you utilize tax-advantaged strategies to ensure you meet your goals and reduce taxation in ways that really matter.  Don't sit and wait. Start growing your money in modest amounts if you like, but start today and enjoy the relief and the options that come from it.

THEN...

• APPLY HIGHER RISK AS YOU SEE FIT.  There are a lot of great investment opportunities out there, but we want you to set yourself up for success first.  After you've protected yourself financially today and leveraged the performance of annuities and the special tax treatments that are only given to life insurance products for your future, then you can feel more confident in taking whatever financial risks that you want!  In fact, we may have some great recommendations for you based on your goals.