Security No Matter What Life Throws Your Way

We live in an age of insecurity. No one wants to lose what they have worked so hard for. It's important to include life insurance among your financial options. Life insurance may be an old-fashioned way to protect yourself and your family, but it is still one of the best products you can buy.

No other financial instrument will do what life insurance can do. The moment your life insurance policy goes into force, the full death benefit to your beneficiary is guaranteed, from day 1 and for as long as you continue to keep the policy in force by paying the premiums. Financial planners call this aspect of life insurance "creating an immediate estate."

Life insurance can seem complicated. There are more products than just term and permanent life insurance. Term and permanent life insurance have many riders and variations that can be added to suit your family's needs.

This is to your advantage. It means greater flexibility and many options. Therefore, a life insurance protection plan can be designed to fit the individual needs of your family.

Various types of policies can serve to protect the family's economic future. Insurers have adapted their products to augment savings and investment programs.

It's important to protect your lifestyle and well-being too. Disability income protection coverage can replace earned income (up to the amount purchased) in the event of serious illness or injury that prevents you from working.

A trained life insurance agent can help you choose from among all the specialized products. Be sure your agent represents a financially strong company. One way to check on a company is through the ratings of such independent evaluators as Moody's Investors Services, Standard & Poor's, A. M. Best, and Duff & Phelps.

Five Rings Financial

Recently I partnered with Five Rings Financial. I think it's a great move for me and my clients. I can offer my clients more products and great services. Five Rings Financial is an Independent Marketing Organization representing many of the world's largest Financial Services Companies and dedicated to serving the financial needs of individuals, families and businesses from all walks of life. Although a national company in one of the world's most vital industries, our thousands of local independent associates and managers offer hometown value, service and education to each client, providing them the opportunity to achieve one of their most desired goals: financial independence. Every month we offer local Money 101 educational dinners as well as a series for women called Wine, Women, & Wealth. Wine, Women, & Wealth is always held at the Wine Spot in Carlsbad, CA. The Money 101 seminars are held in San Marcos, CA and Torrance, CA. Please follow me on Twitter (www.twitter.com/thewic) or Facebook to see the invitations to these monthly complimentary educational events. I would love to have you attend! I look forward to waking up each day and assisting my clients with their financial needs. As a Financial Representative with Five Rings Financial, I get to assist clients with saving money on their health insurance,life insurance and auto insurance and at the same time assist them with saving for their future. Five Rings Financial, Creating Opportunties, Income, Security & Wealth. KSWZ Insurance Services, I don't sell products, I build relationships.