Financial Literacy is the most important

factor in Financial Success

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April 21, 2015 Presented by: Doreen Danvers, MS,

MBA215 Florida Licensed

The Importance of

Life insurancefor

Every stage in Life.

CHRONICILLNESS

CRITICALILLNESS

TERMINALILLNESS

Children

Single

Married No

children

Married w/

children

Empty Nesters

Seniors

The Stages of Life

•  Guarantee Insurability •  Cash Value Accumulation •  Final Expenses •  Lower Premiums 

•  Guarantee Insurability•  Cash Value Accumulation •  Final Expenses •  Lower Premiums•  Debt Protection

•Guarantee Insurability• Cash Value

Accumulation• Final Expenses• Debt Protection• Mortgage Acceleration• Income Needs• Lifestyle Protection

• Cash Value Accumulation• Final Expenses• Debt Protection• Mortgage Acceleration• Income Needs• Lifestyle Protection• Future Funding for

Emergency• Education Fund

• Cash Value Accumulation• Final Expenses• Debt Protection• Mortgage Acceleration• Income Needs• Lifestyle Protection• Future Funding for

Emergency• Maximize Pension• Social Security Offset• Replace Group Insurance• Gifts

•  Final Expenses •  Debt Protection •  Mortgage Acceleration •  Income Needs •  Lifestyle Protection •  Future Funding for Emergency •  Maximize Pension •  Social Security Offset •  Replace Group Insurance •  Gifts • Equalization of Inheritances• Legacy / Charity• Wealth Replacement• Dynasty Trust Funding

Aside from providing an important safety net for your family, life insurance can also be a smart financial tool. Learn more about our full range of life insurance products for every stage of life. Whether you're just starting out or have sent the kids to college, we offer insurance to help you protect what you've built and the people you love.

Transamerica

Business Needs

Buy Sell

Deferred Compensation

Heirs

Bonus to Key Person

Key Person Protection

Executive Bonus

?

Thank you

Merci beaucorp

REFERENCES

MDAwww.mdaifs.com

TRANSAMERICAwww.transamerica.com

KINDERBROTHERS INTERNATIONAL

www.KinderBrothers.com