Public Safety: CPR Makes You UNDEAD

Who says you can't learn something serious in a fun way.

Learning CPR will help you protect your loved ones.  (still get life insurance too.)

If you don't take an actual class, still know the basics.

With the recent popularity of zombies and TV shows like THE WALKING DEAD, let zombies teach you what they know best...coming back to life.

Thank you to theUndeading.ca and the the HEART & STROKE FOUNDATION.





* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

Insure Your Love 2013

What would you do for love?




Would you secure their financial future?


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

Life Insurance: Preparing for Change

One thing is permanent: Change! 

reprint from Farmers

Do you periodically evaluate your life insurance needs? If not, perhaps you should. As circumstances in our lives change, our life insurance needs may change as well. That’s why it’s a good idea to review your life insurance needs annually — more often if significant changes or life events occur. Here are some major life events that might trigger the need to re-evaluate your life insurance coverage: 

The birth or adoption of a child — If you have children, you want to see them realize their hopes and dreams. These days, it’s difficult enough to make that happen with you in the picture. What if you or your spouse — or worse yet, both of you — were suddenly out of the picture? Would there be enough income to pay for day care, college, and everything in between? Life insurance may help you answer “yes” to these questions. 

Change in marital status — If you’re newly married or just getting married, you probably share many dreams for the future — you also share each other’s financial obligations. If one of you were suddenly removed from the picture, would the surviving spouse have enough money to cover final expenses, eliminate debts such as credit card balances and car loans, and buy some time to adjust to a new way of life? If one of you were to die prematurely, life insurance may help ensure that these needs will be met.

If you’re on your own now, whether through death or divorce, you may want to reassess your overall financial situation, including your life insurance needs. It’s almost like starting from scratch again because being on your own will likely affect just about every financial calculation you can think of. 

Home purchase — If you and your spouse recently purchased a home, there’s a good chance you acquired a mortgage as well. Could your spouse manage the mortgage payments without your income? What about property taxes, routine maintenance, utilities and unforeseen repairs? How long would your spouse have before your dream house was up for sale? Life insurance coverage may help keep the family you love in the home they love. 

Job change — If you recently changed jobs, a salary increase may have come with it. You may not realize it, but when your income increases, your spending tends to increase too. If something were to happen to you, you’d probably want your family to be able to maintain their new and improved lifestyle. That’s why it’s a good idea to reassess your life insurance coverage whenever your income rises. 

Planning for college — College costs continue to increase so you may want to begin your college savings efforts sooner, in order to achieve your goals. Having a regular savings strategy is just one part of a balanced college funding plan. You may also want to consider a smart risk management strategy to help ensure that your college savings goals will be achieved even if you’re not there, and that strategy may include life insurance coverage. 

Call me. Things may change but I can help you analyze your needs so that you can determine an appropriate strategy to support your individual objectives.

Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040

end of article

Our other life Insurance themed blogs:

Charitable Giving with Life Insurance

The greatest need: Single Parents

Families with Special Needs Children

British Royal Marine spends a message with his life insurance

Advanced LUTCF Training for Platinum Elite Team Members

Life Insurance Awareness Month

The Romance-O-Meter: Insure Your Love

Always make sure your auto, fire (home, condo, & renters), earthquake, flood, umbrella, and life insurances all properly work together to protect your home, your business, your future.

Life Insurance: Difficult Decisions

reprint for Farmers

The difficult discussion?
The important discussion 

According to LIMRA’s 2010 Life Insurance Ownership Study, a study that’s conducted every six years, many U.S. households are underinsured: 

Only 44 percent of U.S. households have individual life insurance.
Half of U.S. households (58 million) say they need more life insurance.
Among households with children under age 18, arguably those with the greatest need for life insurance, 11 million have no life insurance coverage.

Many families find life insurance a difficult subject to discuss, so they avoid it. Perhaps discussing the possibility of a spouse’s unexpected death is uncomfortable, but talking about life insurance is critical to the whole family. Here are some tips that may help you start the discussion and keep it on track: 

* Talk before you’re in a financial crisis — Pick a time when you are both relaxed and keep it positive. Try to discuss it as you would any other family issue or aspect of your financial planning.

*  Make a plan or revise your existing plan — Incorporate life insurance into your overall financial strategy — in fact, you may want to consider making it a primary component.

*  Set a monthly budget — Determine what you can afford and call me. I can work with you so you can determine a realistic strategy that you can stick to.

Although the subject may be difficult or awkward, talking about life insurance may be one of the most important discussions to have. And call me to learn more about the life insurance options that may help protect your family’s future.

Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040

end of article

Always make sure your auto, fire (home, condo, & renters), earthquake, flood, umbrella, and life insurances all properly work together to protect your home, your business, your future.

Advanced LUTCF Training: Life Insurance

Several times a year, Don Swanson makes his Platinum Elite Classroom available for use to teach LUTCF classes through the American College.  In April 2012, another class concluded.

Many agents with Farmers Insurance and other insurance professional attend these classes on their way to achieving their advanced life insurance designation.  This degree shows their clients that they took the time to study their profession more than the average insurance agent in a belief their clients deserve superior service and the best advice. 

This series on Retirement Planning was attended by: Rick Felix, David Wu, Amber Ramirez, Roxy Chappelle, Mark Ross, Lorena de la Huerta, Esteban Carbajal, Vina Gan, Kris Avram, Kevin Tuckey (moderator), Travis George, Nolan Richardson, Kevin Putrus, Tony Wright, & Ernesto Valdez.

Click HERE to e-mail us about future classes in the San Diego Area, or to arrange classes for your agency.

* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarilly an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

March Madness Lessons: Debt Freedom

Re-print from DaveRamsey.com

What Can March Madness Teach You About Getting Out of Debt?

daveramsey.com on 15 Mar 2012

All 68 of the teams in the 2012 NCAA Tournament—best known as “March Madness”—will have at least one thing in common when the tournament starts today.


No matter what type of season they had, whether they are 28-2 or 15-15, whether the year has been filled with injuries or as miraculous as a Disney story, all of these teams only need to win six more games to be national champions.


No matter what has happened in the past, the season starts over today. Each team, each player, each coach has a fresh slate. Past mistakes—missed shots, bad passes, poor coaching decisions—have all been wiped clean. Today, the future—winning the next six games—is all that matters.


But these teams don’t start out in the first round thinking about playing in the championship. They have to approach the tournament “one game at a time.” Athletes and coaches have said that so often that it’s become cliché.

Life Insurance: Making Sure It Helps, and Doesn't Hurt, Your Estate Tax Liability

The blog below is meant for real Farmers, but the advice is still good for everyone, including our Farmers Insurance clients.

If you're worth more than a one million dollars in assets, it's time to talk to a lawyer to set up a trust that will own your insurance to avoid paying too much in estate (death) taxes.

I'm of course not giving specific legal or tax advice, you need to consult in person about specifics.  I'm just pointing out a potential need many think they don't need to address.  The tax laws will change again in 2013.

The trust would of course require the services of a good attorney.

When you read the article, replace "farm" with the name of your business, and "farmer" with "business owner".


Read below:



Top Estate Planning Mistakes Farmers Make - Part 2

(www.AgWeb.com) - Mar 09, 2012

Continuing our post from yesterday:

• "I am worth less than $5 million, so who cares?" Well, for one thing, your spouse might care. We have a new estate planning opportunity called portability which allows the unused estate exemption to be transferred to the surviving spouse. Let's assume you passed away in 2011 worth $3 million. If you did not file a return, the extra $2 million is permanently lost. So if your spouse dies in 2012 suddenly worth $7 million (especially if you left her everything in a "I love you" will), she would owe $700,000 of estate tax that she did not need to pay. Many farmers forget to include life insurance that they own in their calculations. They might have an estate of $4 million, but $2 million of life insurance. They think they are worth only $4 million, when they are really worth $6 million.
  
• Lack of Liquidity -- Farmers are great at creating nonliquid net worth (farmland, equipment, etc.), but not as good at creating liquid assets to pay estate taxes. Do you know how much your estate is going to cost your heirs and where the money is coming from? Will it negatively impact the farm operation?
  
• Proper Ownership of Life Insurance -- If you own or control the insurance, it is included in your estate. Have you considered setting up an irrevocable trust to own the insurance? This gets the proceeds out of your estate and provides liquidity for the estate or income to your spouse for his or her lifetime. 

end of blog


Click here to read original blog.


Consult with a Farmers Insurance agent such as myself to make sure your life insurance and income protection needs are met, and that you minimize taxes at the same time.



Other life Insurance themed blogs:
Charitable Giving with Life Insurance.
Life Insurance is Income Protection.
Remembering your Church with Estate Planning.
The greatest need: Single Parents.
Families with Special Needs Children.
British Royal Marine spends a message with his life insurance.
Advanced LUTCF Training for Platinum Elite Team Members.
Life Insurance Awareness Month & Lamar Odom.
The Romance-O-Meter: Insure Your Love.
Taking care of your children...and furry dependents.


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarilly an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

From the Horse's Mouth: Protecting Your (Furry) Dependents

"What will happen to us when you're gone?"

The following conversation could happen between you and your children, or other dependents, and even with your pets...if they could talk.  

For now, we'll have to let Mr. Ed speak for them all.

Talk with a legal adviser to set up the proper trust document, that way when your life insurance pays out, the money is legally spent to protect and provide for your children, spouse, parents, grandchildren, and yes, pets, as you see fit.  Otherwise, they spend it as they wish.

A will doesn't quite to it right.

Then talk with a Farmers Insurance Professional like myself to set up the life insurance funding (with the right beneficiaries) for those trust agreements.

Kevin Tuckey

3675 Ruffin Rd.

Ste 220

San Diego, Ca  92123

(858) 751-1357

California License #: 0B72553

Some of our other pet related blogs:
Home Safety: Make Your Yard a "No-Bite" Zone This Summer.
Make Pet Micro-chipping a Part of Disaster Preparedness.

Benefits for those who take in Rescue Dogs.  Includes info on "pet trusts".

Other life Insurance themed blogs:
Charitable Giving with Life Insurance.
Life Insurance is Income Protection.
Remembering your Church with Estate Planning.
The greatest need: Single Parents.
Families with Special Needs Children.
British Royal Marine spends a message with his life insurance.
Advanced LUTCF Training for Platinum Elite Team Members.
Life Insurance Awareness Month & Lamar Odom.
The Romance-O-Meter: Insure Your Love.


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or companies mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

Charitable Estate Planning Seminar Open to the Community

Addendum (2/27/12):  Here are a few bits of info, or ideas, I picked up at the Estate Planning Seminar from below.

1.  Have you remembered to include your favorite school, church, or charity as an additional beneficiary on your life insurance?  You can leave them a set amount, or a percentage.  Like your family, you can still support them after your passing.

2.  Did you know you can add a "preamble" to the beginning of your will to be read to those who attend the reading?  It's a way to make a final state of love to your family, an expression of your faith, or give final instructions.

3.  Five documents you should complete before you become sick or disabled, or pass away.

     a.  Your Will

     b.  A Will with a Revocable Living Trust  -  helps avoid probate and the trust allows you to leave instructions on how to support your family, school, or church.

     c.  Durable Power of Attorney for Financial Matters

     d.  Power of Attorney for Health Care / Advanced Directive

     e.  HIPAA Release  -  Designates someone to control your medical info & records if you cannot.  Dr's and hospitals are more and more hesitant to give out medical info in fear of violating HIPAA guidelines.

As always, consult with a legal professional on how to complete these steps if interested.  This article is in no ways is a complete guide on all the consideration you need to take in matters of estate planning.

Originally Published 2/24/12

Ever wanted to support your favorite church or charity to a greater extent than you already are?

Do you want your good works to live beyond your years?

How about tax benefits for doing the right thing?

Want advice so you do it right?

My church is holding a free Estate Planning Seminar open to the community.  While it uses Christian based teachings as it's foundation, the tax and financial based rules apply to any family or charitable situation, just a different beneficiary.


What:   Christian Estate Planning Seminar

When:   Sunday, February 26, 2012, 9:15am - 10:15am

Who:     Rev. Rich Kogler, WELS Ministry of Planned Giving Counselor, will be leading this Christian estate planning seminar in between our usual services.  

Why:  If you always wondered about such things, and would like to be more informed, attend and get some questions answered.  Everyone's welcome.  All ages would benefit from this seminar. 

Where:   Risen Savior Lutheran Church, 625 Otay Lakes Rd., Chula Vista,  Ca  91913
(click HERE for facebook page)

The Romance-O-Meter: Insure Your Love

In time for Valentine's Day, a re-print of an earlier blog...


~~~~~~~~~~~~~~~~


Like those old arcade "Love Tester" games (see below) which would rate your ability to ... love, click HERE to check yourself on the Romance-O-Meter Quiz.  Then come back to read the rest of the blog.

A message from "Insure Your Love"...

The Things We Do For Love:

You work hard to provide your loved ones with a life filled with happiness, comfort and opportunity. But what if you died tomorrow? Would they be able to maintain their current lifestyle and keep their future plans on track? That’s where life insurance comes in. It can’t put your family back to how it was, but it can keep them in the world they’ve always known. 

InsureYourLove.org is an educational website sponsored by the LIFE Foundation, a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

See you CAN have fun with Life Insurance!


~~~~~~


Also from Insure Your Love...

Life Insurance Is Income Protection

Life insurance can help fill the gap
Reprint from Farmers Insurance

Did you ever think that life insurance could be a valuable tool during your working years as well as after? Interestingly, life insurance can be a useful tool for many individuals and families who are approaching retirement as well as for those who are already retired.

Most of us buy life insurance to replace the loss of income that would occur should we die or to create an estate for our loved ones (click here see accompanying Did You Know article), but there are many other reasons:

  

• You have an aging parent or disabled relative who depends on you for support 
• You have a large estate and expect to owe estate taxes 
• You own a business and have a partner 
• You have a substantial joint financial obligation, such as a personal loan for which another person would be legally responsible after your death 

Life Insurance and Retirement
Many retired couples depend on Social Security and pension income to survive. When one spouse dies, those payments may be reduced — survivor benefits are often much lower than retiree benefits — while many of the ongoing expenses remain for the survivor. You can help protect your surviving spouse from this reduction in income with life insurance. The death benefit can replace your missing income so a personal loss does not become a financial one as well.

Call us — I can help you analyze your individual situation so you can determine your life insurance requirements and decide whether your coverage is appropriate for your needs and your family. 

Life insurance issued by Farmers New World Life Insurance Company,

Mercer Island, WA 98040.
Products and features may not be available in all states and may vary by state.

Congratulations to Susanne Romo, LUTCF

I would like to congratulate Farmers Insurance Agent Susanne Romo for completing the necessary coursework to obtain her LUTCF Life Insurance designation through the American College.

Susanne Romo, LUTCF
Farmers Insurance

As one of the moderators for the course, it was a pleasure having her take part and contribute her experiences and insight to the conversations.

This achievement shows Susanne is commitment to providing comprehensive planning for her clients. A true insurance professional works to help their client develop a plan that not only protects their current assets from life's pitfalls, but helps them accumulate wealth towards life's pleasures like retirement and college funding.

Susanne Romo was just one of several Farmers agents who started the LUTCF coursework at the Platinum Elite Headquarters in Mission Valley back in late 2010.  The course included studying the uses of Life Insurance in both family and business settings.

~Kevin Tuckey

Click HERE for the article from our most recently completed LUTCF class.

Any Life Insurance Agent interested in the achieving the LUTCF designation, click HERE.

From Etta James to Michael Crichton to Brittney Spears to Stieg Larsson, Celebrities Remind Us of the Need for Financial, Estate, & Legal Planning

This article recently appeared in Forbes on 1/24/12.  Even though you may not have the money of a celebrity, you might still have the same financial concerns and vulnerabilities.

Stieg Larsson, the author of Girl with the Dragon Tattoo, found most of his fame and fortune after his death.  This has lead to a prolonged legal fight he never foresaw, but could still have prepared for regardless of his asset level.

Please take a few minutes to read this article.

Etta James, Others Remind of Need for Estate Planning in 2012

A few weeks into the new year, how many of your New Year’s resolutions have already fallen by the wayside?  Exercise more. Eat less.  Spend more quality time with family.

Well it’s not too late to tackle a very important resolution that up to two-thirds of adults in our country ignore — estate planning. That’s right, it’s the topic no one likes to think about, but everyone knows they should take care of … wills, trusts, powers of attorney, and more.

It doesn’t have to be intimidating! In fact, celebrity stories are a great way to break the ice to remind everyone of what they need to do.

So, with the help of some recent stories in the news, here are Trial & Heirs: New Years Estate Planning Resolutions for 2012.  (We just gave an interview discussing some of these stories, which you can watch here).

1.  Plan Now and Don’t Procrastinate.

R&B legend Etta James was 72 when she passed away last week, after suffering from leukemia, dementia and other problems.  Canadian Olympic skier Sarah Burke was only 29 when she died recently from injuries in a freak skiing accident, despite being one of the top athletes in the world.  It’s a sad reality that accidents and serious medical conditions can affect any of us, at any time.  We all need to be prepared.

While it’s easy to procrastinate doing a will, trust or other legal document, the consequences can be devastating.  Take author Stieg Larsson, whose Girl With The Dragon Tattoo book and sequels achieved global success.  The recent Hollywood movie adaptation has grossed over $140 million worldwide since it was released a month ago.

Larsson died without even a will.  This sparked a huge lawsuit between his live-in girlfriend of 32 years and his brother and father, whom the girlfriend claims were not close with Larsson.  The family members inherited his now-vast estate (conservatively estimated at $40 million) and sued because the girlfriend has possession of a laptop with an unpublished fourth manuscript. You can read about the Larsson Estate lawsuit here, which remains unresolved.

Larsson died unexpectedly at the age of 50 from a heart attack.  His procrastination with his estate planning means he did not get to decide whether his girlfriend or his family members inherited his estate.

To read the rest of the article, click HERE.

Consult with the appropriate Financial, Insurance, and Legal Professionals to start the planning process.  Be sure to keep your loved ones involved so you don't have to worry later.

Many of those stuck on the sinking cruise ship off Italy were calling family not just to say they loved them, but to tell them where the wills and insurance policies were hidden.  Tell them before its a concern.


* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarilly an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.

LUTCF: Advanced Life Insurance Training - Business Insurance

In October of 2011, at the Platinum Elite Headquarters several Farmers Insurance Agents, and others, completed the third classroom stage in their advancement towards their LUTCF Designation. This course was on Business Insurance; helping business owners protect their precious assets and accumulate wealth.  

Advanced education and sharpening of skills is a key characteristic of an Insurance Professionals focused on improving the lives of their clients.

Pictured left to right: Luis Carbajal, Brent McKiernan, Esteban Carbajal,
Jasmine, Guerrero, Jerry Cunningham (center front), Kris Avram, Rick
 Felix, Kevin Tuckey (back row), Vina Gan, David Wu, Amber Ramirez,
 Lorena De la Huerta, & Justin Hardin.  Not pictured: Susanne Romo,
Joaquin Lopez, Don Swanson LUTCF (Moderator).

The next LUTCF class will start January 27th, 2012, focusing on Retirement Planning. The course unites various topics such as Saving and Investing with Qualified Plans, Life Insurances, taxes, and several Government programs than our clients need to use to secure their futures.

Planning When You Have Special Needs Children

Originally published on Why Platinum?

Financial preparation is important for any family with children.  When one of the children is special needs, the needs is amplified.

What if the parent(s) or guardian are killed or incapacitated?

Will the new guardian be able to financially, emotionally, and legally be able to take care of the disabled child the same way their mother and / or father can?

Always a tough situation, there are steps that should be taken to minimize the devastation that will occur for the special needs child when their parent or guardian is gone.  The following information is by no means a complete description of what needs to be done for every family since needs and situations differ, but it can be a good guide on where to start and what to consider.

Please consult with legal council or insurance / financial professional where necessary.

Life Insurance: Buying life insurance is a great way to leave an income source to a dependent who needs support until they can support themselves.  With a child with special needs the inability to support themselves could stretch well into adulthood or even their lifetime.  

Realistically, how many years of income will be needed, and how much per year?  18 or 21 may not be the goal in this case.

Will Government support be enough?

Can the guardian you've chosen to help your child financial afford to take on that responsibility?  They might want to, but can they?

Life Insurance on the lives of the parents or guardians is a key step to take.

Other steps to consider:

• Create a last Will and Testament:  A will should outlines how you want your assets (estate) distributed. Have a lawyer guide you through the process. This is not the time to Do-It-Yourself. Leaving assets to a special needs child directly may jeopardize any government aid they receive such as Social Security, MediCare, or Medicaid / MediCal.  So make sure your attorney helps you figure out if you should designate someone to take care of the estate.  In these cases a Will is not enough.  See Trusts below.
  
  
  Don't NOT buy insurance out of the fear of losing government support.  Do it the right way instead.  Government support with current government budgetary problems could make future support unreliable.
  
  
• Decide on the right Guardian(s): Appoint a trusted and responsible adult to make financial & medical decisions for the special needs child.  You might need to choose a short term and a long term guardian.  Example: the grandparents might be the best choice, but for how long?
  

Charitable Giving with Life Insurance

Americans are generous people and many regularly contribute to charities and non-profit organizations. People choose to give to charities for many reasons, most of them personal. Often, however, charitable giving provides help to those less fortunate than ourselves. Life insurance can be a particularly versatile and valuable asset to help you give to your favorite charity because it may help you make a more substantial contribution than might otherwise be able to afford. 

There are several methods for including life insurance in a charitable gift plan, some more complicated than others and each with its own potential advantages, disadvantages and tax implications. Keep in mind: The gifting technique appropriate for you depends on the size of your estate, the make-up of your assets, your current estate plan and a number of other factors. Consult your tax advisor before proceeding. 

Here are two of the more popular life insurance gifting techniques: 

1.  Gifting or donating a policy — Many people find that their life insurance needs decrease over time. If you have more life insurance than you expect to need, you may want to consider donating a policy to a charity. Gifting or donating a life insurance policy can greatly reduce the donor's taxable estate which can save thousands of dollars in estate taxes for upper-income taxpayers. 

In order to realize the full benefit of this gift, you must make sure that you retain no "incidents of ownership." For example, you must actually deliver the policy into the possession of the charity, and you must assign all rights in the policy to the charity, making it the owner of the policy as well as its beneficiary and giving it sole control over the policy's cash value. Discuss this gifting technique with your tax advisor so you can decide if this approach is appropriate for you. 

2.  Naming a charity as beneficiary — Naming the charity of your choice as the beneficiary of your life insurance policy may be the simplest way to provide the charity with the death proceeds of a life policy. You simply pay your monthly premiums and, upon your death, the full face value of your policy is contributed to that organization as a charitable gift. Again, consult with your tax advisor before proceeding to be sure you understand this approach to gifting. 

A lasting legacy 

When you gift a policy outright or name a charity as beneficiary, you can provide the charity of your choice with a large sum of money that can help to provide a lasting legacy for a cause that you believe in. 

For more information on the use of life insurance as a gifting tool speak with your tax or legal advisor. If you decide to purchase a life insurance policy please call me — I can work with you so you are sure that you have the coverage you want. 

This material is for general informational purposes only and is not legal or tax advice. The material may not reflect your particular circumstances. Please consult your tax or legal advisors for advice specific to your situation. 

Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040.

end of article

source: Farmers Insurance

Other life Insurance themed blogs:

The greatest need: Single Parents

Families with Special Needs Children

British Royal Marine spends a message with his life insurance

Advanced LUTCF Training for Platinum Elite Team Members

Life Insurance Awareness Month

The Romance-O-Meter: Insure Your Love

"We Are Farmers!"

Always make sure your auto, fire (home, condo, & renters), earthquake, flood, umbrella, and life insurances all properly work together to protect your home, your business, your family, your future.

Members of the Platinum Elite Team:

Susanne Romo

Chula Vista & Kearny Mesa

License #: 0720743

(858) 751-0956

Araceli De La Torre

Kearny Mesa 

License #: 0G17321

(858) 751-0956

Kevin Tuckey

Mission Valley

License #: 0B72553

(858) 751-1357

Tony Gutierrez

La Jolla 

License #: 0A87116

(858) 751-0956

We use an investigative and educational process to ascertain your current risk exposure and deliver to you through our 'Value Insurance Proposal' (VIP) the correct levels of coverage at the right price without compromising vital coverages. You need to protect your family and the assets you have spent a lifetime acquiring.

With the Platinum Elite, there is a difference.  Discover:

Why Platinum!

* The content of this blog is for informative purposes only. It does not reflect official standing of any agent, agency, or company mentioned on the blog. Nor is this blog necessarily an endorsement. Please consult with your insurance, tax, or legal specialist before making any decisions. This blog is purely meant to spark the thought process.