INSFINRA Reference FR2019-0725-0070/E

The sender and LTM Marketing Specialists, LLC are unrelated. This publication was prepared for the publication’s provider by LTM Marketing Specialists, LLC, an unrelated third party. Articles are not written or produced by the named representative.

Whole life insurance* has become a multipurpose fi nancial protection vehicle, off ering a combination of benefi ts beyond basic life insurance protection when you choose certain options. Some policies include everything from optional long term care benefi ts and terminal illness benefi ts to the availability of cash withdrawals for just about any reason, including extra retirement income.

Life Insurance with a Purpose

Some of these options may make sense; others won’t. In all cases, a life insurance policy cannot provide a full death benefi t while also off ering benefi ts for other reasons. Let’s take a look at a few situations to see how these options work.

Cash Withdrawals

Just because a whole life insurance policy allows policyowners to withdraw some cash value doesn’t mean you should do it. In many cases, subtracting cash value from a policy will automatically lower the death benefi t.

Taking a cash distribution may work for you if you are retired, have a paid-off mortgage and a decent amount of other assets. This may not work if you are in the prime of your earning years, have young children and a good amount of future fi nancial goals yet to be fi nanced. It also may not work if you intend to leave your life insurance as a fi nancial legacy to loved ones or a favorite charity.

Long Term Care

Another optional benefi t off ered by some whole life insurance policies is the ability to use a portion of the policy’s death benefi t for qualifi ed long term care costs. This is good news for consumers who can’t aff ord standalone long term care insurance, whose premiums have increased of late. Again, even this well-intentioned option will aff ect the other reason you bought life insurance – to protect loved ones fi nancially after you’re gone. Weigh your choices carefully.

Terminal Illness

Another well-intentioned option many insurance companies offer is the opportunity to accelerate death benefits when the

insured person has a terminal illness, subject to certain

qualifications. Talk with an insurance professional to

learn if these policies are right for you.

* Applications for life insurance are subject to

underwriting. No insurance coverage exists unless a

policy is issued and the required premium to put it in force is paid.

LTM Client Marketing

Partners in your marketing success

Insurance Version

Karen Petrucco Account Manager

LTM Client Marketing125 Wolf Road, Suite 407Albany, NY 12205

Tel: 518-870-1082Fax: 800-720-0780kpetrucco@ltmclientmarketing.comwww.ltmclientmarketing.com

I am committed to helping my clients achieve their financial goals for themselves, their families and their businesses by providing them with strategies for asset accumulation, preservation and transfer.

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November/December 2019

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What Qualifies

Examine the events a policy will recognize as qualifying for insurance benefit , such as trip cancellation due to illness or a death in the family, a missed connecting flight or a naturaldisaster. Many policies will not, however, insure your trip’s cost if you cancel because your boss needs you.

What’s Covered

It pays to understand what’s covered by your travel insurance. Will it reimburse you for lost luggage? How about medical costs incurred overseas (because your health insurance may not cover them) or even a medical evacuation? You may need to buy a separate health

insurance policy to pay for medically-related costs incurred abroad, but talk with your existing health insurer first o see if you’re already covered.

What’s NotWhen buying travel medical insurance, make sure all of your stops are included if you are visiting multiple countries. Also check to ensure any coverage includes preexisting conditions.

Some policies will reimburse you for other events, such as theft involving your belongings and your identity, and a few will reimburse you if you cancel a trip for any reason. Read your travel insurance policy’s fine p int to make sure you get the coverage you want.

If you book a vacation package or cruise trip for the holidays, you may want to protect your financial investment with travel insurance. All travel insurance, however, is not the same, so you should look for certain features that you may want as part of any travel protection you buy.

1. Trust Matters – Shop only on retail sites you know and trust. If you’re not sure, check for independent reviews of a company and its products.

2. Safeguard Your Vital Info – Strong passwords are a must, especially if you store credit card information on an online retailer’s website.

3. Make Sure the Site is Secure – Anytime a website accepts or stores your financial and other identifyinginformation, it should be secure.

A website won’t be private if it doesn’t have a lock icon or an “s” after the “http” that begins its address.

4. Use a Credit Card – Use a credit card from a company that will work for you to resolve disagreements with retailers and offers your money back if the card is misused. Debit cards typically

don’t offer the same security.

5. Stay Private – Don’t use public Wi-Fi for any purchases and don’t offer any information a retailer

will not need, such as your social security number.

Five Ways to Stay Safe Online During the HolidaysIf you’re among the increasing number of consumers who will make holiday purchases online this holiday season, it makes sense to learn how to protect your identity and other personal information. Consider the following steps to make your online shopping more secure.

What to Look for in Travel Insurance

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How We GiveIn 2018, Americans gave more than $400 billion to charities and favorite causes.

The breakdown from Giving USA Foundation (of 2018 contributions) is as follows:

$292.09 billion

$75.86 billion

$39.71 billion$20.05 billion

Individuals Foundations Bequests Corporations

Giving to Charity Still Matters Avoid These Money Mistakes!With the most recent federal tax changes including a much larger

standard deduction, charity watchers wondered if the resulting smaller number of taxpayers itemizing deductions would hurt charitable giving. The jury is still out.

Mixed Results In 2018, charitable giving rose modestly, but the number of donors actually decreased, according to the Fundraising Effectiveness Project. The increase was due to a greater number of donations of at least $1,000, according to the organization.

Give MoreIf you itemize deductions on your tax return, you can deduct even more charitable cash donations. Deduct qualified ifts up to 60% of your adjusted gross income (AGI). That’s up from 50%. Rules differ if you donate appreciated assets, but they can potentially lower your capital gains. Talk to your tax professional to learn how.

If you might otherwise take the standard deduction and you contribute to a donor-advised fund, consider bunching two or three years of donations into one, and then itemize all of them on your tax return and take the standard deduction in subsequent tax years.

Give RegardlessEven without the tax deduction, the main reason most people give to charity still exists: to make a difference. Remember that charitable contribution tax changes will expire with many other individual provisions after 2025 unless made permanent before then.

Millennials, many who came of age during the last recession and have record amounts of student debt, are sometimes hesitant to make financial decisions. However, they shouldn’t let their hesitation lead to these money mistakes:

Being Too ExtremeWith time on their side, Millennials can afford to be aggressive financiall . This doesn’t mean they should put all -- or any of – their money into questionable investments. At the other extreme are Millennials who won’t accept any risk, no matter how small. Explore your financialopportunities and make the appropriate choices.

Operating Without a NetIf you don’t have an emergency fund, you are living without a financial sa ety net. Put a few dollars into a separate fund each paycheck to help cushion potential financial shock , including unemployment and expensive home or auto repairs.

Not Saving EnoughYour savings will grow exponentially with the time you give them to grow, so save something – anything – starting today. Your older self will appreciate your early efforts.

Ignoring Your 401(k)If you have a company-sponsored 401(k) plan and you’re not contributing to it, you’re missing a big opportunity. Contributions are tax-deferred and potential earnings grow tax-free until withdrawal. Plus, you’re really missing out if you don’t contribute at least what your employer will match.

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This publication is prepared by LTM Client Marketing Specialists LLC for the use of the sender. This publication is not intended as legal or tax advice. Great care has been taken to ensure the accuracy of the newsletter copy; however, laws change often and each reader’s situation is diff erent and professional advice is essential before acting on any information herein. Whole or partial reproduction of Let’s Talk Money® without the written permission of the publisher is forbidden. All websites referenced in this newsletter are provided solely as examples of resources from which information can be obtained. The websites are not affi liated with the publisher or distributors of this newsletter.

©2019, LTM Client Marketing Specialists LLC

We Value Your Input...Your feedback is very important to us. If you have any questions about any of the subjects covered here, or suggestions for future issues, please don’t hesitate to call. You’ll fi nd our number on the front of this newsletter. It’s always a pleasure to hear from you.

INS

Whether you’re creating your fi rst estate plan or updating an existing one –with the help of an estate planning attorney – there are some missteps you can avoid when you know what to look for. Here are a few tips:

Even-StevenAn estate plan may include tax-saving strategies, but its basic intent is to govern how your assets are distributed when you’re gone. Many estate plans and wills go the Even-Steven route, simply stating that heirs receive the exact same percentage of assets. That works when you’re distributing cash. It doesn’t if you have to split Grandma’s brooch or Grandpa’s handmade chess set three ways.

There are two ways you might distribute the assets that can’t be split, and both begin with conversations with heirs to learn what is meaningful to whom. Once determined, you might distribute these assets while alive. Or you can add specifi c language to your will to ensure everyone gets their assets intact.

Match AssetsYou don’t need a will to distribute life insurance policy proceeds, IRAs and other retirement accounts because they already have – or should have – benefi ciaries designated. Another reason to not include this information in a will is the public glare of probate. If you must include this information in your will or estate plan, take extra care to make sure benefi ciaries and assets line up.

Review RegularlyWhether dealing with beneficiary-linked or will-directed inheritances, make it a practice to review your designations and will at least annually. Divorces, remarriages, blended families, new family members and family deaths can create the need to redo beneficiary designations and change the terms of a will or estate plan.

Talk to an attorney to learn more and to a fi nancial professional to learn how life insurance can work in estate planning situations.

Filling in the CracksIf you think of estate planning as something that is necessary for only the very wealthy, it might surprise you to learn differently. From keeping an updated will to having healthcare and legal powers of attorney, estate planning is so much more. And with so much paperwork involved to ensure your loved ones inherit what you intend, it’s easy to miss a crack or two that can create an estate planning nightmare.

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ADVERTISING REGULATION DEPARTMENT REVIEW LETTER

August 14, 2019

Reference: FR2019-0725-0070/E

Org Id: 8408

1. 2019 LTM Nov/Dec InsuranceRule: FIN 2210

The communication submitted appears consistent with applicable standards.

Reviewed by,

David Y. KimSenior Analyst

aec

This year’s Advertising Regulation Conference will be held on October 24-25 in Washington, D.C. For more information and to register, please access the conference webpage atwww.finra.org/2019adreg.

NOTE: We assume that your filed communication doesn’t omit or misstate any fact, nor does it offer an opinion without reasonable basis. While you may say that the communication was “reviewed by FINRA” or “FINRA reviewed,” you may not say that we approved it.

Please send any communications related to filing reviews to this Department through the Advertising Regulation Electronic Filing (AREF) system or by facsimile or hard copy mail service. We request that you do not send documents or other communications via email.