World Financial Group (WFG)

None of us like to think about the worst happening.

A LIFE INSURANCE POLICY IS REALLY PEACE OF MIND. 

With it, you know your family IS taken care of IF something happens to you.  

That’s called “priceless” to anyone with Family and Loved Ones. It only takes one serious life or health incident to occur, and guess what, it will come with serious costs, if you are not prepared. Why not add an extra layer of protection for those speed bumps life can bring to you? 

If something should happen will you be worrying about cash in your wallet or credit on your card when you should be ONLY focusing on getting better?

I know!! Hear it all the time, “You have Insurance on your JOB”.  Well, please understand it is just that “On The JOB”.  NOW, if you have your own PERSONAL Policy is that too, it’s while on the job as it goes where you go, still on the job or not!  And no higher rates to start a policy late in life after you are no longer on the job.

COVERAGE is yours for life…when the POLICY is right.


Let’s discuss some “WHAT IF’S”


  • You unexpectedly become unemployed, “Where’s Your Policy? 
  • You are forced to retire, or it’s time to retire, “Higher Premiums?”
  • One of your immediate family dies with “No Insurance?”
  • The household primary wage earner dies, “What do YOU do?”
  • You get sick and savings is completely depleted, “No Funds!”  


Financial hardship can be avoided! “Accidents and Death cannot”


Allow us the opportunity to discuss a wide range of insurance policies and/or financial investments to help you feel confident with and about you and your family’s futures. 

Don’t get caught off guard with the “Could ‘a Should ‘a Would ‘a” when your really could should would have done it before now!!


The correct policy will help cover the Mortgage, childcare cost; help you secure a good education for your children and at the same time safeguarding your loved-ones from inheriting your debt. 

Unfortunately, a shocking number of American families do not have any life insurance (approx. 60%) or, they have less than needed (approx. 35%), or, they just have wrong policy (approx. 5%) which any of these could leave the family financially devastated, 


“Then what”?  Answer: The surviving loved-one’s start begging on a “GoFundMe page”; have a corner or parking lot car wash; or, even worse, your children, small kids and the adults start endangering themselves walking between vehicles on busy streets pleading for donations to help bury the loved one who died with no insurance.


One reason many put themselves through unnecessary burden and stress according to recent studies; is most people feel they can’t afford it, when your family cannot afford to be without it. Some feel policies cost too much, so why go for the million-dollar policy?  Go with the policy that you can afford that will take care of the situation, if something happens. 


The reality is having some insurance is better than no insurance. There are inexpensive and affordable polices that provide coverage you could use should you need it.  Another reason you should not put off today for doing it on another day is, news flash, yes, you’re getting older and the price will surely cost more later. It will be so much better to have it and not need it, then to need it and not have it, do you agree? Call today, make an appointment!  Let’s at least talk about it. I WANT TO HELP!!


  

Disclaimer - World Finance Group, Inc. is a Transamerica Company. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services.

image1

Insurance Policies Available

image2

Life

  

· Universal Whole Life -  

· Term Life -

· Accident -

· Disability -

· Juvenile Children & Grandchildren – Provide more financial security allowing for more opportunities for a better future at reasonable costs that can last lifetimes. Pave them their own path to continue.

  R

image3

Health/Medical

  

· Health -

· Critical Illness - Avoids financial burdens in the event of a serious injury or unexpected diagnosis

· Cancer – Helps you and your family cope better financially and emotional, if a positive cancer diagnosis should occur

· Long-Term Care -

image4

Small Business

Peggy J Sturdivant

  

General liability protects you against claims for bodily injury and property damage, such as someone tripping over a cord in the office and falling. 

Professional liability is insurance that protects you and your staff against negligence claims relating to your delivery of professional services; for example, offering what someone perceived as bad advice.

Schedule an appointment

QUIESTIONS AND ANSWERS

image5

1. How much life insurance do I need?

a. Can only be determined on an individual basis.

2. Will the payments increase through-out the years?

a.

3. Does my credit score affect the premiums I will pay?

a. Yes, it will. 

4. I own a home-based business; do I need insurance?

a. An extremely small business, such as a business operated by one or two people out of a home, may not need workers compensation insurance, but it often needs more property and liability insurance than is provided in a typical homeowner’s policy.

  

5. What basic insurance do I need for my small business?

You may need one or more of the following, depending on the type of business:

a. Property Insurance

b. Liability Insurance

c. Business Vehicle Insurance

d. Workers Compensation Insurance

e. Errors and Omissions Insurance (E&O

f. Professional Liability Insurance

g. Employment Practices Liability Insurance (EPLI)

h. Directors and Officers Liability Insurance (D&O)

i. Business Identity Theft Insurance

6. What is the difference between general and professional liability insurance for my business?

General liability protects you against claims for bodily injury and property damage, such as someone tripping over a cord in the office and falling. 

Professional liability is insurance that protects you and your staff against negligence claims relating to your delivery of professional services; for example, offering what someone perceived as bad advice.