"The truth is that during the course of your career, you are three and a half times more likely to be injured and need disability coverage than you are to die prematurely and need life insurance."
- Health Industry Association of America


"In the last 20 years, deaths due to the "big three" (cancer, heart attack and stroke) have gone down significantly. But disabilities due to those same three are up dramatically! Things that used to kill, now disable."
- National Underwriter


"Nearly half of the one million Americans who filed for bankruptcy protection in 1999 did so after being sidelined by an unexpected illness or injury."
- New York Post
Life Solutionz
 Some time ago, you may have planned ahead by purchasing life insurance. But the way you saw your life then may be very different from the way you see it now. That's why it's important to reflect on your true needs and clarify your life insurance situation. A close look helps ensure that you have the right type and amount of coverage.

Life insurance can provide many benefits:
 - Provide survivor income
- Insure that debts are paid
- Supplement your retirement income
- Insure your spouse's retirement
- Protect your estate
- Leave a legacy
- Protect your business
- Attract or retain a key employee

Get a fresh perspective on your life insurance.
 When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. But in life, there's just one constant: change. The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage. A new family situation, a different career, a shift in financial status - any of these common events plus many others should trigger a reevaluation: Do the life insurance choices you made before still make sense now?

Our Life Insurance Professional Analysis and Review (PAR) is an objective and comprehensive way to help you understand your existing policies, identify your current needs, and gain insight for appropriate adjustments if necessary.

You should consider a Life Insurance Professional Analysis and Review when:
 - Your need for life insurance may have increased or decreased
- Extended periods of low interest rates may have affected policy performance and require more premium dollars to meet policy charges
- Your health may have improved, qualifying you for a better rating
- Your family or business situation may have changed
- Loans, withdrawals or other policy changes may have affected the policy's performance
- Premiums may not have been paid as planned


A good opportunity for you to examine your existing life insurance.
 An objective, consultative analysis brings clarity to your life insurance options and gives you a chance to:
- Review your current situation and need for life insurance
- Determine if your existing policies still meet your needs, and where applicable, indicate funding adjustments appropriate for your current situation
- Consider any possible improvement in your underwriting class
- Review any new riders that might be available
- Understand the provisions and benefits within your existing policy
- Consider alternatives that might better meet your needs, such as: policies with secondary guarantees, extended maturity options, better loan provisions, lower policy charges, and better underwriting classes


LifeSolutionz.org is pleased to make this Life Insurance Policy Analysis and Review (PAR) available without cost or obligation through and exclusive arrangement with DISolutionz.com. To learn more about the benefits of a Policy Analysis and Review, CLICK HERE