INVESTMENT OPPORTUNITIES
LIFE INSURANCE
You work hard to provide a comfortable lifestyle for your family. But did you ever stop to think about what would
happen to them if something were to happen to you?
The death of a breadwinner can leave a family with inadequate income to make mortgage payments, resulting in the loss
of your family's home--and possibly--their lifestyle. Life insurance is the only product specifically designed to protect
your earning power, by stepping in with an income tax-free death benefit if you're not there.
At the most basic level, it can insure that your survivors are not left paying the expenses associated with your death
and funeral. Life insurance can also help pay the mortgage, so your family can keep the house. It can cover childcare
expenses for small children, or send young scholars to college. It can pay final expenses, and it can simply pay the
bills, so your family can maintain the lifestyle you provide now.
We understand that every family’s needs are different. So our life insurance plans range from affordable Term Policies
to Permanent Insurance Plans that provide lifelong protection.
Because different people have different levels of responsibilities and resources to meet those responsibilities, each
person’s needs for life insurance are different. We can help you to estimate how much additional life insurance you need
in addition to the amount you already own. We’ll take into consideration factors like, how much your loved ones will need
to meet financial obligations after you are gone, and how much future income is needed for those you leave behind.
Fortunately, your CFS* Financial Advisor at CommunityAmerica Credit Union is here to help answer your
questions, and make sure you’re aware of the options available to you. A truly accurate estimate of your family's income
replacement needs can only be determined after a thorough study of your own financial situation. Your CFS* Financial Advisor,
working with data you furnish, can help you with a personalized review.
The most important step is to start planning today by contacting CFS* Financial Advisor. Our CFS*
Financial Advisors are dedicated career professionals carefully selected and trained to serve credit union members.
Remember, we want you to have confidence in your CFS* Financial Advisor to act in
your best interest — which means you can expect our advice to be objective, fair and honest.
We invite you to call your CFS* Financial Advisor today, so we can begin
working with you to help develop the right retirement plan for you.
* Investments and investment advisory services offered through CUSO Financial Services, L.P. (CFS), an independent broker-dealer and
SEC Registered Investment Advisor are Not NCUA/NCUSIF insured, are Not credit union guaranteed and May lose value. CommunityAmerica Credit Union is affiliated
with CFS. Financial Advisors are employees of CommunityAmerica Credit Union and registered through CFS. (Member FINRA/SIPC)
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