A Sales and Marketing Issue

Valued Producers,

Many titles are used in our work, Agent, Broker, Advisor and Planner. We use the less colorful, but a comprehensive, term “Producer.” But whatever title we choose, our work is similar. We are PURVEYORS OF ECONOMIC FREEDOM to the American People.

From an accumulation of lessons learned of effective communicative words and phrases, of personal economics, of consumer attitudes, of risks and perils that have spanned the last half-century, we realize the principles of our professional work remain unchanged. Only names and emphasis may have changed.

America is an Income Society. Income is essential to life. For income loss due to business or job loss, people can find a solution to the problem because it is a people made problem. But the living of life presents two income-earning problems over which we have no control, Dead Death and Living Death. We share with you the dynamic concept of “INCOME INSURANCE,” an essential and valuable economic attitude intended to secure complete personal protection and deliver economic freedom to the American People.

Long Ago . . . . . .

We were a hunting and gathering society
There was no need for income!

As man progressed to a planting and harvesting society, income meant little as trade and barter secured life’s necessities.

THEN CAME . . . . .
THE INDUSTRIAL REVOLUTION…
This quickly changed us to an INCOME SOCIETY!

Man happily traded his survival skills for income earning skills.

Because . . . . INCOME ALLOWED US TO BUY:

♦ Tasty Food                                           ♦ Education
♦ Fashionable Clothes                              ♦ Health Care
♦ Comfortable Homes                              ♦ Transportation
♦ Necessities and Comforts                      ♦ Recreation

And Man became totally dependant upon earning an income to buy a living

Our lifestyle has changed and so have the hazards of life:

  • From the dangers of hostile environments
  • To crop failure
  • To loss of income earning ability

Our Governments have long had a concern about

PEOPLE’S LOSS OF INCOME

  • Workers Compensation – 1908
  • Unemployment Compensation – 1919
  • Social Security Retirement Income – 1935
  • Cash Sickness Income Plans – 1942
  • ocial Security Disability – 1956

Many Tax Laws Have Been Passed to encourage:

♦ Retirement Plans                  ♦ Pensions
♦ Profit Sharing                       ♦ Keoghs
♦ IRAs                                    ♦ 401Ks

But the Focus has largely been on:

OLD AGE
RETIREMENT INCOME

Leaving the problem of . . . .

FORCED RETIREMENT DUE TO DISABLEMENT

To an individual’s Personal planning

Income Problems People
CANNOT Manage

 

1
Dead Death
And it’s corollary
problem
Of getting to old to
work		 2
Living Death
And its corollary problem
of the high cost of
Getting well
The Solution
Guaranteed
Replacement Income
“Even the individual of limited means can eventually pay big bills and big debts if only he retains the ability to work and earn a living. When that is lost, all is lost unless funds are available to replace the earnings.”

CHANGING TIMES
The Kiplinger Magazine

 “He who becomes a living death, totally and permanently, is just as dead economically as he who is actually dead. He who becomes a living death totally, but as it may happen not permanently, is also dead economically during the period of disability. The difference between “living death” under conditions of permanency, and the “actual death” is only six feed of sod. And if anything, the living death is the worst economically.”

S. S. Huebner, Ph.D., Sc.D.
Founder of the AMERICAN COLLEGE The Leader In Financial
Services Education.

SOUND FINANCIAL PLANNING BEGINS WITH AND
ENDS WITH INCOME PLANNING

Proper income planning is impossible without adequate amounts of disability insurance. High limit Disability Insurance is needed in most cases to provide an ADEQUATE DISABILITY INCOME PLAN