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Life Insurance

How much Life Insurance do I need?
At your death, your loved ones will receive your life insurance death benefit. It's the last money you will provide for your family in their lifetime. At that time, it will be too late to ask "Did I have enough life insurance?" Recently, I came up with this example of how much do I need!

How to grow a Money Tree?
You die and leave a death benefit to your family. That death benefit, we will call a MONEY TREE. They plant that tree by investing (in Certificate of Deposits-the safest investment) and get a return of 5% (which is high today). That interest income will represent fruit to live on. If you left a death benefit of $1,000,000.00 and you family planted it and received an interest rate of 5% your fruit produced that year would be $50,000.00. Your tree would remain intact and healthy and would be able to produce the same amount of fruit next year.

Savor the Fruit!
If you were earning $50,000.00 per year, then the money tree has produced enough fruit to replace your income year in and year out for the rest of their lives. Of course, the size of your money tree depends on the amount of the income you wish to replace

+ Types of Life Insurance [ More Info ]

Term Life
Affordable protection intended for a specified amount of time up to 30 years. Term Life is convertible to permanent life insurance with no medical exam. The younger you are the more you save. Level Term Products are issued for 5-10-15-20-25 & 30 year periods. At the end of the periods, many are renewable with no proof of insurability. Annual Renewable Term Products offer initially low premiums that increase as you age.

Permanent Life
Permanent Life Insurance can protect you for your entire life. Unlike Term Life Insurance, it can also build cash value, making it a good tool for growing and transferring wealth. There are two kinds to choose from: whole or universal. Whole Life Insurance is lifetime coverage that is guaranteed to never change premium. It is designed for people needing permanent protection that remains fixed. Universal Life Insurance is lifetime coverage that you can adjust as your life changes. Premiums can increase, decrease or be skipped at your convenience. Universal Life Insurance is designed for people needing permanent protection that can change as their life changes.

For further information contact:

Individual and Business Life Insurance Policies
Debo Toomey
423-745-5855 ext: 2342
Contact Us

☑Not A Deposit
☑Not FDIC-Insured
☑Not Insured By Any Federal Government Agency
☑Not Guaranteed By The Bank [Or Savings Association]
Not A Deposit, Not FDIC-Insured, Not Insured By Any Federal Government Agency, Not Guaranteed By The Bank [Or Savings Association], Subject to Risk and May Lose Value : Securities offered through Simmons First Investment Group, Inc. Member FINRA/SIPC.
CNB • P.O. Box 220 • Athens, TN 37371-0220
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*required minimum deposit amounts for demand deposit accounts *check writing limits applicable to certain accounts *service charge/maintenance fee information.