1. Are You Covered? Better coverage for whats important to you. Life Insurance Presentation Presenter: Phaedra Saunders EMCC Benefits

2. What is Life Insurance?

Insurance for you and your familys peace of mind.

A basis of protection and financial stability after ones death.

A form of savings if you purchase a plan which offers the option of contributing regularly.

3. Why is Life Insurance Important?

LIMRA International (Life Insurance and Market Research) reports that as of the end of 2008, 68 million adult Americans do not have life insurance

Cover financial commitments such as day-to-day living expenses, unsettled medical bills, mortgages, burial costs

Support family and dependants

Protect a business

Serve as a retirement investment

4. Types of Life Insurance

Term Life

Whole Life

Universal Life

Final Expense

5. Policy Characteristics Term Life

Term Life Offers temporary protection because it provides coverage for the term of the years specified in the contract.

Level death benefit, no cash value (living benefit)

Can purchase a large amount of coverage for a relatively small premium

Most term policies are renewable and convertible

6. Policy Characteristics Whole Life

Whole Life Offerspermanentprotection as long as the premiums are paid coverage will continue for the life of the insured

Locked in level premium amount that will not increase over the insureds lifetime

Buildscash values(living benefits), which the policyowner can borrow against or is entitled to, in the event the policy is surrendered

7. Policy Characteristics Universal Life

Universal LifeDeath benefit can be increased or decreased depending on the insurance needs of the policyowner

Insurance component (annual renewable term insurance)

Cash account which accumulates on a tax deferred basis each year and earns either the guaranteed contract rate or the current rate

Policyowner has the flexibility to increase or decrease the amount of premium going into the policy.

8. Policy Characteristics Final Expense

Final ExpenseLessens the familys burden of outstanding debts from final expenses.

Eligibility age up to 75 years old (85 years old with some carriers). Easy qualification

Premium guarantee premiums never increase due to age or health

Death Benefit guarantee death benefit never decreases

9. Policy Characteristics Final Expense

Guaranteed cash values policy builds cash value that may be borrowed against

Guaranteed non-cancelable policy will never be cancelled as long as application questions are answered accurately and premium payments are current

10. Why Choose EMCC Benefits?

Established company with over 30 years experience in the insurance industry

Knowledgeable and friendly insurance representatives and staff members

Appointed with carriers who will provide the best rating possible for our clients

Client value driven by building and maintaining relationships with clients

11. Contact Information

For your insurance needs, questions or to set an appointment, please contact your dedicated EMCC Benefit insurance representative Phaedra Saunders at (678) 923-0882.