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7 Things you need to know BEFORE you buy LIFE INSURANCE
The delivery of TAX-FREE LIFE INSURANCE proceeds is one of the most powerful social and economic forces in our country. What a shame that so many people don’t understand or appreciate its value.
As you carefully read this free report from SmarterInsurance.org, you’ll be better able to make wise and forward-thinking decisions regarding your LIFE INSURNCE.
By far and without exception, a life insurance claim is the most sobering and rewarding aspect of my profession as an insurance agent. Sobering in that it reminds me of the brevity of this life and the certainty that it will end for all of us… eventually. Rewarding because it’s an opportunity for me to deliver: A stay-at-home mother to children and the promise of a quality education for them, a paid-for house and a debt-free existence to the family, or a comfortable retirement for a weary widow.
It’s ONLY with the incredible power of LIFE INSURANCE that these are possible. When it comes time for you to consider this valuable cornerstone to your financial plan, you’ll want to make some very informed and calculated decisions. Let me walk you thru some of them to help you make the ones that are best for you.
If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of “The Club” I’ve been inside the insurance business for over 25 years and I know it like the back of my hand: From policy to claims and back again. I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal".
Let’s take a quick trip with your imagination. Page 1
No, I’m not some wacko who thinks the aliens are on their way, just go with me for a minute…
Picture yourself gone. Yes, I mean GONE, gone! Kind of morbid, I know. So if it makes it easier, go ahead and picture your exit as some grand, heroic or adventurous one. Maybe you went out skydiving or chasing wild horses in Wyoming. Or possibly you saved some kids from drowning when a school bus plunged into the lake. Either way… you’re gone. Now -- Just ask yourself a few of simple questions. 1. Are there some bills left to pay? Funeral? Credit cards? Maybe a car? Or possibly a gambling tab out at Viejas Casino? 2. Is someone going to suffer without your income? 3. Is there anything to which you’d like to leave a legacy? Possibly you’d like to start a scholarship fund for some special group or just kids who need it. Maybe you’d like to have a small part of funding Meals-on-Wheels or grant some wishes come true through Make A Wish Foundation. Or maybe you’d like to leave something for your church. The possibilities are really endless. If you answered yes or will be answering yes to any of those in your future, then LIFE INSURANCE is something you should seriously consider. LIFE INSURANCE IS USUALLY THE LEAST
Unless you really enjoy figuring all this out for yourself, a good, experienced agent is your ticket to some solid, professional advice.
I’ve got the experience and I’ll offer that to you for FREE. (More on me later)
EXPENSIVE WAY TO PAY FOR ANY OF THOSE ITEMS ABOVE.
“How is that possible?” you ask. Life insurance dollars come to your beneficiaries costing just pennies on the dollar. Dollars you earn and have put into savings, on the other hand, cost MORE THAN A DOLLAR for every dollar you receive. You work; you get taxes taken out of your pay. Every dollar you spend really costs you about $1.27 to get after you’ve paid the tax man.
I think I know what you’re thinking about this point. Life insurance, on the other hand, is ALWAYS You’re thinking of all the hassle delivered for just a fraction of a dollar! it is to decide what kind and how much and then complete the application and then to get the physical (often you DON’T need one) and then on and on and on… I know how you can quickly get past all that…
In reality, it only takes about an hour. You can just skim this report to get an overview of what you need to be thinking about and then if you’d like… JUST CALL ME. I’ll likely take about 10 minutes of your time on the phone to see where you’re at and then, if you’re ready, we’ll set a time to get together. It’s really pretty simple and I’LL DO ALL THE WORK FOR YOU.
After all… It’s what I do.
So let’s just hop right into it….
7 Things you need to know BEFORE you buy LIFE INSURANCE
Life Insurance Need-to-Know #1
Don’t buy it unless you need it
The truth is that nearly everybody could probably use a little Life Insurance. Remember the questions we asked above? If you answered yes to any of those or you’d just like to make your exit a little easier on those who are left to sort out the pieces and arrange your funeral and wake, you’re probably a good candidate for at least a little policy. If you buy the right kind of policy, you’ll build up cash values within the policy and in many cases you’ll build more than the premiums you’ve paid. So if you’re thinking you might need some life insurance, go ahead and get a small policy that builds cash for you and you’ll be on your way. Sometimes, people just don’t need or want any life insurance. You might be single with no debt and sufficient money in the bank to take care of ALL of your final expenses such as funeral cost, paying off all your debt, enough money to pay for the disposal of all your personal property, etc, etc. If you are, GUARANTEED INSURABILITY and you just don’t want any life insurance OPTION and think that you’ll never need it, then don’t buy it. Protect your insurability If you think you might need it in the future you might want to get a small, cash value policy with a GUARANTEED INSURABILITY OPTION. See the yellow box to the right A life insurance policy option that may be purchased at inception that allows the insured to purchase additional amounts of life insurance without taking a physical examination or having to provide evidence of insurability. Generally, the provision requires the insured to increase the amount of insurance at a stated time (i.e., specified policy anniversary dates, upon marriage, or the birth of a child).
Life Insurance Need-to-Know #2
If you’re going to buy it, buy the right amount
We could make this portion of this report very lengthy, but I’ll give you a couple of simple options. First is just the REPLACE MY INCOME estimate. Use the one-step chart below and there’s your answer.
Table 1-Income Replacement
Current Annual Income $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 10 $92,000 $184,000 $276,000 $368,000 $460,000 $552,000 $643,000 $735,000 $827,000 $919,000 $1,011,000 $1,103,000 $1,195,000 $1,287,000 15 $132,000 $263,000 $395,000 $527,000 $659,000 $790,000 $922,000 $1,054,000 $1,185,000 $1,317,000 $1,449,000 $1,581,000 $1,712,000 $1,844,000 Years Until You Retire 20 $168,000 $336,000 $504,000 $672,000 $840,000 $1,007,000 $1,175,000 $1,343,000 $1,511,000 $1,679,000 $1,847,000 $2,015,000 $2,183,000 $2,351,000 25 $201,000 $402,000 $602,000 $803,000 $1,004,000 $1,205,000 $1,406,000 $1,606,000 $1,807,000 $2,008,000 $2,209,000 $2,410,000 $2,610,000 $2,811,000 30 $231,000 $461,000 $692,000 $923,000 $1,154,000 $1,384,000 $1,615,000 $1,846,000 $2,076,000 $2,307,000 $2,538,000 $2,768,000 $2,999,000 $3,230,000 40 $283,000 $565,000 $848,000 $1,130,000 $1,413,000 $1,696,000 $1,978,000 $2,261,000 $2,544,000 $2,826,000 $3,109,000 $3,391,000 $3,674,000 $3,957,000 60 $361,000 $722,000 $1,083,000 $1,444,000 $1,805,000 $2,166,000 $2,527,000 $2,888,000 $3,249,000 $3,610,000 $3,971,000 $4,332,000 $4,693,000 $5,054,000
$150,000 $1,379,000 $1,976,000 $2,519,000 $3,012,000 $3,461,000 $4,239,000 $5,415,000 First Column: Annual income to be replaced. Top Row: Years of replacement income required. Table Body: Lump sum life insurance required. Assumptions: Annual inflation rate assumed to be 4.0%; Annual investment return assumed to be 6.0%.
It’s just as easy to buy too much life insurance as it is to buy too little. You want to be sure you have the right amount of coverage. You should also consider life insurance on your spouse or any other person on whose income you depend to make ends meet each month. If you’re married with children you should also consider if there additional expenses should you and your spouse die at the same time or within a short time of each other. For example, you might want to provide additional monthly income to whomever you have designated to finish raising your children for you. This short form on the next page can enable you to get a little more specific if you’d like to. It might give you’re a better idea of how much you’ll need.
As you fill in the amounts, keep in mind the people that will be dealing with these issues. Do what’s best for them and you’ll be on the right track.
1. Would you like to pay off your mortgage or have money available to pay the rent? If so, either enter the mortgage amount or your Annual Rent Cost x the Number of Years You’d like to Provide. $ __________________________ 2. How much do you want available to pay off any other debts like credit card balances, car loans, student loans, personal loans, etc.? $ __________________________ 3. How much of your annual income will your family need each year after your death? (Remember if you paid off the house above or provided rent money, you won’t need to include that in their annual needs.) Use the INCOME REPLACEMENT TABLE 4. $ __________________________ 4. How much do you want to set aside to pay your funeral costs? $ __________________________ 5. How much do you want to set aside for any other needs such as an emergency fund, gifts to charity, or a family member with special needs? $ __________________________ 6. How much do you want to provide for your children's education if you die? $ __________________________ 7. TOTAL NEEDS: (add 1-6 above) $ ____________________ A. How much life insurance (individual and group) do you have now? $ __________________________ B. What other assets (such as savings accounts, CDs, mutual funds, stocks, bonds, 401k, retirement plans, or pension plans) would you want your family to use to meet these needs? $ __________________________ C. TOTAL RESOURCES: (add A & B above) $ __________________________ TOTAL Need for LIFE INSURANCE: (Subtract Line C from Line 7) $ __________________________
You may also want to complete this calculator for your spouse to see if they have a need for life insurance.
Can I give you a little hint? If you’re married, let your spouse decide how much life insurance to get on YOUR life -- And viceversa. Whoever will be around to fix the problems should get to decide how much $$ will be available.
If this is all just more than you’d like to mess with yourself, just give us a call and we’ll walk you thru the whole process.
It only takes about 5 minutes. 619-670-1000
Life Insurance Need-to-Know #3
If you need it, then buy it, AND BUY THE RIGHT KIND
A SIMPLE EXPLANATION OF THE DIFFERENCE BETWEEN TERM AND CASH VALUE INSURANCE
Probably one of the best analogies I’ve heard and have used for most of my 25+ years as an agent is this: Cash Value (aka: Permanent, Whole Life, Universal) life insurance is like owning a house. Term life insurance is like renting. When you own a house, initially you will pay a little more each month than you would if you were renting. Yet, in the long run, with the appreciation of the value of your home, you’ll likely make more money than it costs you to live there. Your monthly house payments are really contributing toward your own wealth. It’s like mailing money ahead to YOURSELF! When you rent, you pay less each month but you’re not building any equity or cash value and when you leave, you just leave all that rent money sitting in the landlords bank account. Your monthly rent ends up contributing to your landlord’s wealth instead of your own.
Face it! Odds are you’re going to live and your family WON’T need this policy. So buy the kind of life insurance where you get some or all of your money BACK when you’re older. “Cash Value” or “Permanent” life insurance policies are tremendously powerful financial instruments. BUT…they’re designed for insurance that you’ll need to keep for all of your life. You’ll probably want a little permanent life insurance in your plan because you will SURELY make a claim on it someday. Hopefully it will be when you’re VERY old and your need for life insurance is at a minimum: Just enough to pay off a few bills and cover your funeral expenses. Realistically, TERM insurance is usually a better choice for those needs you may have now, but will not have forever.
If you’re currently one of the bread-winners in your household and there are people depending on your income for everything from food to tuition, then you probably need a pretty big chunk of life insurance – For NOW at least. You likely won’t need that much for the long term. THAT’S where TERM insurance is likely your best bet. So here’s a couple of help questions for you: Get some permanent insurance for the long haul; maybe 1. Do I want some life $25,000 - $100,000. Usually you won’t need more than that. insurance in force when I Get TERM INSURANCE for the temporary times in your life die? (probably yes) that you need more. Then DROP IT! No loss. 2. What’s my best guess of when that will be? (let’s say And here’s the real rub! TERM insurance is usually only you guess 78) renewable to a certain age and even then it gets VERY 3. How much do I want in place expensive. When you’re 70 or so (and your income is less at that time? because you’ve retired) your term insurance could be too Whatever your answer is for expensive to keep and you may still want or need some life question 3, THAT’S how much insurance. With permanent insurance, there’s usually enough permanent insurance you should cash value there so that you can just QUIT PAYING and be have. Consider term insurance to insured for life. fill the rest of your needs. Page 6
Life Insurance Need-to-Know #4
Once you buy it – KEEP IT until your reason for buying it no longer exists
Too many times I’ve seen people buy life insurance: Either term or permanent and then, for some reason, let it drop. Usually it’s for one of a couple of reasons. 1. They initially got in a little over their heads with too big of a monthly premium and it’s finally caught up to them. 2. They didn’t buy for the right reasons. Make a commitment when you get your life insurance to make it comfortable on your budget so you can keep it with no financial pressure. And commit to keep it until the reasons for purchase no longer exist. For example, if one of your reasons is to ensure that your kids complete college, and then keep it until they’ve all walked across that stage and received their diploma. (Or at least until you’ve made that last tuition payment.)
If you don’t buy this way, you’ll just be wasting your money if you keep the policy for several months and then quit.
Here in the Dennis Volz Agency, we want you to be comfortable with your insurance. We’ll explain your LIFE INSURANCE options in simple, everyday language that you can understand. We strive to personalize every insurance policy to be sure you have exactly what you need and want.
NOTHING MORE; NOTHING LESS
Life Insurance Need-to-Know #5
Let Uncle Sam help you pay your premiums
When you purchase permanent life insurance, the money accumulates taxdeferred. You end up saving even more because the accumulation is tax favored. This could make you think that even the Federal Government thinks that life insurance is a good idea!
Life Insurance Need-to-Know #6
Don’t touch the Nest Egg
Money that you contribute to you permanent life insurance can build a significant amount of cash over time. This money is available to you. Let me encourage you that as those numbers start to grow, LEAVE IT ALONE! Here’s a good rule of thumb to govern your dipping into the nest egg.
NEVER TOUCH THE NEST EGG EXCEPT FOR AN EXTREME EMERGENCY OR A PHENOMENAL OPPORTUNITY.
No, a year-end sale on a Corvette doesn’t count as a PHENOMENAL OPPORTUNITY! Nice try !
Life Insurance Need-to-Know #7
Review, review, review… But only once a year or so
Every year that you’re living with either too much insurance, the wrong kind of insurance or not enough, you’re probably wasting some money. A simple review that can take as little as 10-15 minutes over the phone with your agent can prevent this. Sometimes changes in your life can be so much and so harried that you don’t even realize when things affect your needs for life insurance. An agent who’s willing to spend the time required with you and asking the right questions can uncover these changes and often save you hundreds of dollars in the process.
What about my GROUP insurance at work?
Group insurance is probably the LEAST EXPENSIVE of all life insurance policies. Sometimes it’s even FREE! (Well, paid for by your employer anyway) My advice is TAKE IT! But don’t depend on it. Count it as just a little extra, but in addition,
Have your own plan that YOU CONTROL.
Group insurance can come and go. The company can “change the deal.” You could change jobs and be with out coverage for a time. Maybe the new job doesn’t offer group life insurance. I’ve seen people become uninsurable for health reasons, change jobs and then they’re unable to replace their group insurance. Keep your life insurance under your control not your employer’s or other circumstances beyond your control.
Life Insurance & your RETIREMENT
Permanent insurance should NEVER be a substitute for a good retirement plan. Any agent that tells you to dump hundreds of dollars a month into a permanent life insurance plan to fund your retirement before you’ve established a good, regular investment program outside of life insurance for your retirement should be questioned. The permanent portion of your life insurance does give you flexibility in your retirement years. You can keep the insurance, sometimes stop paying the premiums (and continue to be insured), draw on some of the cash value if you need to and a host of other options. But life insurance should never be your main vehicle to retirement planning.
A word about beneficiaries…
The beneficiary is the person who receives the proceeds of a life insurance policy at the death of the insured. Carefully structure and word your beneficiary clause. You can cause big problems if you’re thinking one thing and actually say something else in the beneficiary section of the policy. Carefully discuss this with your agent. Something as simple as a Per Stirpes clause can save a lot of confusion. When you get your life insurance through our office, we’ll walk you through these questions to be sure that the money goes to EXACTLY the places you want it to go.
Life Insurance on kids
So how do I know just how much I can afford to spend on my life insurance?
Well we have some suggestions for that for you too.
Getting a small policy on kids is usually a great idea. While kids generally don’t need insurance for financial reasons it does a couple of things for them. First it protects their insurability. Kids can sometimes develop physical problems that make them uninsurable. Doesn’t happen very often, but it’s probably a good idea to get them a nominal permanent policy. Second, it locks in a nice low monthly premium for them. Life insurance rates on kids are phenomenal. The monthly premium on just a small $25,000 policy on a 30 year old is nearly DOUBLE what it is on a 2 year old. And that premium is good for life! You’ll always want to get what’s called a GUARANTEED INSURABILITY OPTION. (Look back to the yellow insert box on page 3.)
The trick is to know how much you’re spending and where you’re spending it. You can’t know that unless you have a written budget. It’s really the most important key to effective money management. We have some help for you there too. Making a budget isn’t as difficult as you might think. We’ve actually broken it down to 7 simple steps that anyone can follow. If you’ve been frustrated with your money get
7 SIM PL E STE PS Mak e a bud ge t an d ST ICK T O IT !
just give me a call or drop me an email
Dennis Volz 619-670-1000
Dennis@DennisVolz.com or go to www.6701000.com and to the
Other Things - There’s dozens of other things we could go on and on about like:
1. Is it ultimately cheaper to pay annually or monthly? 2 BIG REASONS 2. How can I be sure that my life TO BUY INSURANCE WHEN YOU”RE YOUNG insurance company is safe? (even before you may really need it…) 3. What are ‘Banded Premiums” 1. Life insurance is cheaper when you’re younger. On the and how can they save me permanent portion of your insurance plan, the longer you put your money? money to work for you, the better the result! 4. What about Accidental Death and 2. When you’re young, you’re insurable. When you’re older; maybe Dismemberment Riders? Should you’re not. We’re all just one doctor visit away from NOT being I have one? able to buy life insurance. If you’re diagnosed with even a minor 5. Should I own my own policy or ailment the cost of your life insurance can go up dramatically and should my spouse? in some cases, you won’t be able to buy it at all. 6. Can I buy insurance on my business partner? 7. Is the Non-Tobacco rate really THAT MUCH BETTER? 8. What’s the difference between dividends and cash value? 9. What’s a “contestable clause” and how could it hurt me if I don’t understand it? 10. What are PAID UP ADDITIONS and how can they increase my insurance coverage? We could really fill a book. That’s why you really need a committed agent to do all this thinking with you. After all… You probably have better things to do.
Let me and my team apply for that job !
Insurance is a very technical business: Policies, beneficiary statements, coverages, endorsements, exclusions. I know how this industry works. I know its flaws, its strengths and its secrets that many in “The Club” would prefer you not know. You need someone who's going to navigate those complexities with you. Use an agent because you want good price and you want protection when disaster strikes. You deserve it! The best news here is that I'll help you – for FREE ! Why? Why would I spend my time revealing what's taken me years to learn -- at no charge? I'll tell you why. I've built my business on my reputation. I find that the more I give away, the more comes back to me. I never hard sell insurance. I'm in the service business. And the better service I give, the better it is for all of us. My clients stay with me a long time -- and they refer their friends. Page 10
I’ve been in business in San Diego County for over 25 years. My team is trained, licensed and eager to help you get on the road to Smarter Insurance. So if you want to protect yourself and your family from a future crisis or catastrophe . . . or just see how you can save money on your insurance, call my office. The worst you'll do is to spend a few minutes learning.
And just like the TV commercials tell you….
BUT WAIT ! ! ! !
When it comes to buying life insurance, you should always deal with a LARGE, WELLKNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you haven’t heard of them, be suspect. I guarantee you’ve heard of ours – we’ve been at it for over 75 years! Today we have over 7 million life and annuity policies in force. Since 1929 we have been protecting American families one policy at a time. Just go www.DennisVolz.com .
WOW! Kind of impressive!
I think so.
And it’s ALL included at no additional premium...
BUT WAIT ! ! ! ! THERE’S EVEN MORE ! ! !
We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. That’s right -- Doesn’t matter if it’s a claim or a question. You simply call my office number, 619-670-1000 and you’ll have access to our 24 Hour Customer Response Team and/or to my personal cell phone. Should you need insurance help while away from home, we have over 1000 claim offices and over 16,000 agent offices across the United States and Canada all committed to giving you friendly, efficient home-town service (even if you’re from California !
BUT WAIT ! ! ! ! THERE’S MORE!!!!!!
We also offer free 24 hour online access to your policy information. Our company website offers you more insurance information than your brain can possibly hold. It’s all available with just the click of your mouse, 24/7/365. You know what? There’s still more…just a little…
HERE IT IS….!
We’re a friendly, local office with a licensed, trained team to assist you in every phase of your insurance. We’ve been in business here in San Diego County for over 25 years. And, BONUS! Whenever you call us during regular business hours, there’s NO ELECTRONIC TELEPHONE MENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,
there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)
Go ahead. If it’s during business hours, you’ll get us; after hours and you’ll get the Customer Response Center. 619-670-1000 !
“WOW”, you say! “And that’s all included at no additional premium?”
ONE MORE…last one…. I PROMISE…
WE’LL REVIEW YOUR ENTIRE INSURNCE PORTFOLIO whether it’s with us or not FOR FREE. Face it! Life changes and your needs for insurance change right along with it. We’ll sit down with you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in our office, we’re glad to review your coverage ANYTIME YOU’D LIKE – Annually, semi-annually, monthly, weekly… you ask for it, you’ve got it. Sometimes it’s done when you change cars or when you move. Sometimes we do a little minireview on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more if that’s what it takes. It’s all up to you…
This is so simple and easy to do.
We do all the work for you and in usually less than 30 minutes, you’ll have protected your family, their future financial stability, and your peace of mind!
Why somebody wouldn’t have their LIFE INSURANCE with us is simply beyond me.
BUT LET ME MAKE A LITTLE EASIER FOR YOU…
In our agency we offer you 5 different ways to pay your premiums. You have your choice of annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY…
“So what’s so special about SPECIAL MONTHLY,” you might ask.
It’s special cuz it’s just so insanely easy. We set it up for you and your monthly payment comes right out of your checking account: Same day; Every month.
So, here’s what you get…
A FREE, simple process to help you decide if you need any life insurance and, if you do, to
help you get just the right policy for YOUR needs.
A financially strong, been-around-forever Insurance Company (well, since 1929 anyway…) 24 hour and nationwide customer service for claims or questions
Online access to your policy information A local office with a trained team to help you (and NO MENUS WHEN YOU CALL) A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF YOUR COVERAGE Payment options to fit any budget We’ll walk you thru the whole process (probably will take less than 30 minutes) Confidence that you’re buying the insurance you need: NOTHING MORE, NOTHING LESS
Yep, you guessed it…
All included for no additional premium… If you’re still not sure let me make it even easier….
Believe it or not, I’ll
PAY THE COST TO COME TO MY OFFICE with some…
pre-paid gas card.
That’s right…. As a small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a
If you’re still not sure let me make it FUN….
Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk you thru the whole thing step by step, but I’ll also give you a little bonus for the drive home with a Page 13
FREE Latte from Starbucks…
As another small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a pre-paid Starbucks Card on top of EVERYTHING else…
I know…just too good to be true…. BUT IT IS ! ! ! !
And yep, you guessed it… It’s all included for no additional premium…
It just doesn’t get any better OR EASIER - than that…
You’ve got everything to gain and NOTHING to lose. I look forward to talking with you soon!
Dennis Volz 10783 Jamacha Bl, Suite 1 Spring Valley, CA 91978 619-670-1000
CALL me (619-670-1000), FAX me (619-670-1121), or EMAIL me at…
This letter contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements. ALL RIGHTS RESERVED. Copyright (c) 2006 – SmarterInsurance Inc -- No part of this document may be reproduced in any form, or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made to verify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Since this document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, and personal circumstances. (911.21740)
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