Release Date: July 2004 INSURANCE PROTECTIONIf something happens to you, will your family be taken care of? Make sure your loved ones are provided for with Insurance Protection, a package from the American Council of Life Insurers and the Federal Citizen Information Center. It offers tips on buying a life insurance policy that's right for you and helps you decide whether long-term disability coverage should be part of your insurance package Choosing a life insurance policy is an important decision, and one that should begin with evaluating your family's needs. Include expenses such as child-care and mortgage payments that will allow your family to maintain their current lifestyle and meet future expenses such as college tuition. Budget for burial costs and medical bills that can help ease the financial burden. And think about financing a move that could help your family if they decide they need to readjust with a new start. Make sure your insurance agent is licensed to sell life insurance in your state, and learn what type of insurance - term, universal, or permanent - is best for you After you've thought about your financial needs and become familiar with basic life insurance, you may want to look into getting long-term disability income insurance. Before purchasing, make sure you aren't already eligible to receive benefits from your employer or the government. Check to see if your company has workers' compensation, provides sick leave, or any other type of group long-term disability insurance. Don't put off an important decision that would provide financial protection for your family. Order your Insurance Protection packet.
Get even more information and take advantage of federal online resources at www.FirstGov.gov —your official front door to federal and state government websites. ###
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