Central - Life Insurance
Union Central Life Insurance Company
Central take great pride in their five-generation legacy of
service to America's families and businesses. Founded in 1867
in Cincinnati, Ohio, Union Central is among the 15 largest
mutual life insurance companies in the nation. The Union Central
company is rooted in the traditional values of quality, integrity
and financial soundness. Through their nationwide network
of experienced, knowledgeable field representatives and broad
portfolio of innovative products, Union Central provides Customized
Financial Solutions Person by Person.TM
Central has grown to be among the 15 largest mutual life insurance
companies in the nation with over $5.6 billion in assets.
Union Central are proud that they have been able to grow and
remain strong in a competitive marketplace while adhering
to traditional values of quality, integrity and financial
Central's product line includes individual life and disability
insurance, annuities, investment products, group insurance
and group retirement plans such as 401(k). This extensive
array of products allows Union Central to offer you Customized
Financial Solutions Person by Person.TM
market conduct practices have always been an integral part
of Union Central's mission statement and business practices.
Union Central's membership in IMSA (Insurance Marketplace
Standards Association) reinforces their commitment to providing
their customers with high quality products and services.
Union Central - Understanding The Need For Family Protection
are the years for building dreams-finding the right home for
your family, providing an education for your children, creating
a comfortable lifestyle you can all enjoy. You're making these
dreams become reality, and your family needs you during these
important years. What would happen to your dreams if you or
your spouse were suddenly out of the picture? Have you accumulated
the funds that would help your family continue on?
not, if you are like many couples. They assume the life insurance
they receive through work will replace their lost income.
But it's estimated that families need five to ten times the
annual income of both parents to continue normally. And whether
it's you or your spouse who is left behind with the children,
the same security needs continue. A sound financial plan takes
everyone's needs into account.
and foremost is the roof over their heads. Do you want to
make sure your spouse and children can continue to live in
their home? Unfortunately, your long-term mortgage debt may
be more than they can handle without your income. And this
does not include the cost of repairs and upkeep the property
will need to retain its value. Relocating to a different house
or apartment could drastically alter your family's lives.
Think about it. Would you want them to have any less than
they have now?
The Right Credentials
you want your children to have the foundation for a promising
future. In today's world that means a college education. Actually,
many career fields and companies require advanced degrees
before even considering job candidates. But could your children
continue their studies beyond high school if your support
suddenly halted? Would the money you've put aside for college
be needed to meet other expenses?
college costs are not expected to go down in the years ahead.
Preparing to meet this expense is key to a financial plan
Protecting Their Lifestyle
are like most Americans, you depend on credit to make certain
purchases that enhance your family's lifestyle. For example,
you need to maintain safe and reliable transportation for
your family. You want to enjoy vacations and take on other
occasional expenses. In fact, the average household carries
a credit card balance of more than $7,000 due to these expenses.
Families may have car loans and other liabilities as well.
you want to pass on these responsibilities to your spouse
and children? Would they need to sell off assets such as your
home or car just to keep up with monthly payments? Without
the financial resources to replace lost income, their lifestyle
could change drastically.
Your Family's Balance
you know, a successful family depends on the balance of its
routines. Each family member assumes responsibilities that
make the family work. And today many rely on two incomes to
keep on track with their financial goals. But if your family
depends on only one parent's income, don't forget to add up
what the other parent contributes. Would you be able to replace
the cost of day care, or before and after school care, rides
to soccer games and scout meetings. Who would keep your house
in order and feed and nurture your loved ones while you are
at work? You may have to pay for help in maintaining balance
in your lives. A smart financial plan accounts for these routine
Vital Plan For The Future
growing and evolving family, your financial plan must be a
vital and changeable design for the future. It's not a document
you create and stick in a drawer. You review it frequently
to evaluate its relevance to your current needs. As your children
grow and your lifestyle changes, so must your plan. If your
life stops suddenly, your plan must carry your family forward.
effective and reliable way you can cover your financial needs
is through an appropriate life insurance policy. In fact,
life insurance is a unique solution that provides a tax-free,
lump-sum payment to beneficiaries in the amount you choose.
Also important is the fact that life insurance is flexible
in the way you can budget for it, and in the ways you can
use it to meet certain expenses while you are living.
options you may want to consider in a comprehensive plan include
annuities, mutual funds, IRAs or other retirement savings
plans, and disability income insurance. A financial advisor
or insurance professional can help you determine the right
combination of financial solutions to meet your family's needs.
Leave The Future To Chance?
knows what the future holds. But through thoughtful financial
planning, you can gain confidence that your family will be
protected. Even if you haven't considered all your family's
needs until now, it's not too late. Designing the right plan
today can ensure that the dreams you've built will last.
P.O. Box 40888,