Help your clients protect their families with

Life Insurance

Education Planning:
Placing an Indexed Universal Life policy on a child not only covers the life of the child and at a lower cost than a policy on an adult, but the potential cash value accumulation inside the policy can help offset the costs of college in the future. What if they don’t go to college or get scholarships? Use the cash and the gains for whatever needs you may have in the future – and if managed correctly, its 100% tax free!

Value of a Stay-at-Home-Parent:
Whether a woman or man is a stay-at-home parent or out in the workforce, the VALUE of their contributions to the family should not be underestimated. If one spouse is covered, you are only half covered!
•Annual cost to replace work done by stay-at-home mother: $115,432

Needs Analysis:
When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:
• How much will be needed at death to meet immediate obligations? This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance and college costs to name a few.
• How much future income is needed to sustain the household? This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.

Find out how much life insurance they need using the Needs Analysis Tool!


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Call us at 866-452-3670 today for more information and
help finding the right Life Insurance for your clients.

Justin Wagner
Life Sales Account Manager
justin@pipaclife.com
866-452-3670