September, 2009

 “YOU HAVE TO HAVE A DREAM”
“To accomplish great things, we must dream as well as act.”
Anatole France (1844 – 1924)

Will those you love be able to accomplish the great things that they are dreaming about if something should happen to you?  Maybe they are dreaming about specializing in Math and Sciences, or being an Architect, Engineer, Brain Surgeon, etc.  If you are not around to help them with the staggering cost of Higher Education, will they able to fulfill their dreams? Or will they have to settle for something else because you were not around to help them and they could not afford the cost to attain a higher-level education.  You never know when an accident will happen or some other unplanned event will occur that will take you from this earth to meet your Maker.  Make sure that you are spiritually prepared and after that consider being financially prepared for those you leave behind.

Maybe you are planning your own retirement dreams for travel or a Special Get-Away place to relax and enjoy the good life that you have been blest with.  With the change in our Economy and people losing their jobs, will you still be able To Accomplish the Great Things that you were Dreaming about before the recent change in our economy?

Maybe you have heard that September is Life Insurance Awareness Month.  Acting  NOW by reviewing your Life Insurance portfolio needs could allow you and/or your loved ones fulfill their Dreams.  Having enough Life Insurance could help in both of these cases with proceeds to Beneficiaries all Income Tax Free.

In a recent Q and A communication, Terry Savage, a Personal Finance Columnist for the CHICAGO SUN-TIMES, among other questions answered was this one. “Q. How long can I postpone buying life insurance, and what kind should I buy?” Terry Savage answers - “You can postpone buying life insurance as long as you are certain you can postpone your death! Seriously, life insurance isn’t pleasant to think about – not only because it tends to be complicated, but because it forces us to think about our own mortality.”

The next step to take is to “ACT” and buy Life Insurance for yourself and/or for those that you love so that your Dreams and theirs can be fulfilled.   Now the question is – from WHERE to Buy? - From a Fraternal Insurance Organization or a Commercial Company?  In my July 21, 2008 article Where to Buy, I discussed the history and many differences between the two types of Insurance Providers.  One notable difference is that Commercial Life Insurance companies are beholden to the stockholders but when you belong to a Fraternal, the long-term interest and well being of the member is the most important objective.

A July 20, 2009 Press Release from the NFCA (National Fraternal Congress of America) stated:  Consumer Trust Fuels Fraternal Sales - Fraternal Life Insurers were the only industry sector to post sales increases in the first quarter of 2009, according to a recent study published by the Life Insurance Marketing and Research Association (LIMRA). Fraternal Life Insurers offer the bread-and-butter products that people can rely on.  Moreover, we’re finding that consumers want to be part of organizations that are dedicated to doing good works in communities across the country every day.  These factors combine to make fraternal life insurers an attractive alternative in uncertain times.

The next step to take is to CALL your local PRCUA agent/deputy to work together as a Team.  Act NOW to ensure that you will help provide for the future for yourself and those you love.  Your local agent/deputy will assist you in customizing a PLAN to Give Yourself the Tools that will work for you.  Remember Life Insurance can help those you leave behind to cope with and eliminate some of the financial pressures they may incur.

NOW while you agree it’s a good idea, place that CALL.

Contact your local PRCUA Agent/Deputy or one of the PRCUA Satellite Offices in OH (800) 318-8234, PA (800) 558-8792 or WI (877) 690-5827 or the Home Office Membership Department toll-free at (800) 772-8632 or (773) 782-2600.  We will answer your questions and help you determine what type of Annuity or Life Insurance is best suited for your needs.  We are here to help you Today and in the Future.