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Protect your most important asset....
YOUR IDENTITY!



 

Life Insurance Products

Things to consider......

Why Do I Need It?
What Kind of Life Insurance?

An insurance and related services tool
Benefit Riders

 

How much Life Insurance is right for you?

How much coverage should you own personally, not counting group term coverage? With so many people frequently changing jobs these days, many are learning that owning and controlling their own life insurance policy has many important advantages. In addition they are often surprised to learn that they have been significantly underinsured.

Traditionally, individuals tend to buy life insurance in round numbers — such as $100,000, $250,000 or $500,000 — or using the general rule of purchasing 8-10 times their household income. Few actually try to determine the correct amount to purchase. While doing so is a relatively simple process, it can be uncomfortable for some because it involves thinking about death. Given the importance of this issue to survivors, the best solution is to move beyond that discomfort and plan accordingly.

Determining What You’ll Need

Consider family needs within the first few months of your death. Funeral expenses, administrative costs and other immediate expenses can be shocking. In addition, clearing up unpaid bills or revolving debt like credit cards or consumer loans is often necessary.

Determine how much will be required to pay off any remaining mortgage balance on your primary residence.

Providing an education fund for your children is also critical. There are many schools of thought regarding this, but you must consider how much money you would like to see allocated for your children’s education in case of your death.

The final issue is often the largest — income replacement. If you have taken care of the above-mentioned needs, most studies indicate that a typical family can maintain its standard of living on 60-75 percent of pre-death household income. While it is a personal choice, you must consider whether the beneficiary will live off the principal paid by the policy or the income it generates through investments. It is also important to consider the length of time this money will cover. Most families decide that this should last at least until your children are out of college.


To get your own personal Life Needs Analysis,
Call Osby Insurance ”Your Agency for Life!”
515-727-LIFE (5433)

 

 

American National

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

 



Osby Insurance operates exclusively in the State of Iowa

 

Copyright © 2010 Osby Insurance and Some Assembly Required.
All rights reserved.


Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax



Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa



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Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.