Life Insurance says "I Love You!"

How much life insurance do I need?
                                                                                                            YOU           SPOUSE

Immediate Money Fund Cash Needs

This fund is for bills that will be presented after death,
which will have to be paid.
   *Medical/Hospital Expenses
   *Federal Estate Taxes
   *Burial Expenses
   *Probate Court Costs
   *Attorney/Executor Fees
50% of annual income may be sufficient                                               $______     $_______

Debt Liquidation: Amount to pay off debts.

   *Total of Installment Debts
   *Unpaid Notes
   *School and Auto Loans
   *Outstanding Bills                                                                            $______     $_______

Emergency Funds:

Unexpected bills which could not be paid from current income.
   *Major Home or Auto Repairs
   *Medical Emergencies
One times annual income may be sufficient                                         $______     $_______

Mortgage/Rent Payment Fund:

What would it take to pay off your mortgage? or provide
a ten year rent fund? (mo. rent X 120 months)                                 $______     $_______

Child/Home Care Fund

To pay expenses created by the death of a spouse
who is now performing these duties
Three times annual income may be sufficient                                        $______     $_______

Education/Vocational Fund

The cost of four years of college or vocational training
$20,000 per child minimum                                                                 $______     $_______

                                                                        Sub Total             $______     $_______

-Subtract  Current Savings and Life Insurance                      $______     $_______

            New Life  Life Insurance Required........                        $______     $_______

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Understanding Life Insurance

 

Final Expense  
Preparing to meet inevitable expenses is something each of us should do for our peace of mind and our family's security.  Usually whole life is the best choice for this basic need. 
Final Expenses Can Cost Over $10,000. Consider the following example:

Funeral Home	$2,950	Pastoral Services	$ 400
Cemetery Plot	$1,540	Music	$ 200
Marker	$1,200	Medical	$ 400
Casket	$2,165	Legal/Probate	$ 1,500
Vault/Outer case	$ 375	Debts	$ 600
Flowers	$ 500	Cash Needs	$ 2,000
Transportation	$ 645	Miscellaneous	$ 250
		Total	$14,725

 

 

 

Health Insurance

Brumett Agency, Inc. represents several top rated companies. For full Major Medical Coverage, Short Term Medical (between jobs or coming off a family plan), Hospital Coverage, Cancer Insurance, Dental Insurance or other Supplemental Insurance, for your family or for a group, contact us.  For proposal email ages, sex, smoking status, and your zip code.

 

 

 

Cancer &  Heart Attack Plans

8 in 10 people will have a catastrophic episode in their life time.   Cancer and heart attack policies will provide cash when you need it most.   Plans pay in addition to all other insurance.   Contact Us:  Email us with your contact information and we'll send you a brochure and call to discuss it with you. 

Disability Insurance 
The number one cause of home foreclosure and business failure is that a principal gets sick or hurt and cannot work. You can protect yourself and your loved ones with disability income protection. The plan has an elimination period 30/60/90/120 days (usually 90 days); a benefit period, usually 2 years/ 5 years/ or to age 65; and replaces up to 60% of your net income. You cannot afford to work without this protection. Contact us to discuss in detail your options.
Disability Income Protection Needed (Minimum 60% x Income)
For proposal - email us: Age, Sex, Amount of income to protect, smoking status, days until benefit start (elimination period), years to pay benefit (benefit period).

Long Term Care
To protect your assets you should develop a long term care strategy. Most of us will end up in some sort of long term care facility. A few years can consume all you have worked a life time to accumulate. As with disability protection, there is an elimination period, benefit period, and parameters you must meet for benefits. The benefit amount needed depends on your cash position.  Contact Us and we'll get info to you and call to help you with this decision.

Auto, Motorcycle, ATV & RV Insurance
    and Home Owners Insurance
Auto Express offers insurance for everybody. You can buy it at our office and pay for it at our Pine Bluff office. No checking account required. Low Monthly payments.