Friday, March 15, 2013

Life



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Life

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Offering Solutions through Insurance

Federated can help find solutions for both your business and personal insurance needs. We offer a combination of top-quality products, innovative programs, and value-added services.

Financial Protection ReviewSM

Our Financial Protection ReviewSM is a thorough analysis of your personal and business insurance needs—offered to business owners on an annual basis. This service helps assure your plans are made and carried out with your specific situation and priorities in mind. It can uncover needs in the following areas:

Bill payment made easy

Never worry about getting your premium paid on time again. Manage the premium payments on your life or disability income policies with automatic deductions through your checking or savings account on the monthly due date. Call our Life Customer Service team at 1.800.533.0472, x725.5087 between 7 a.m. – 4:30 p.m. Central Time. A customer service representative will help you get enrolled.

Electronic sales tools and Home Office support

Federated marketers have access to top-notch analysis tools and support from our Home Office specialists.

Financial strength

Federated’s financial strength provides security and peace of mind for our valued clients.
Contact your local Federated representative to design a program to fulfill your financial protection needs. See Locate Your Federated Representative.

Business Life Insurance Needs

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Offering Solutions

Federated offers products that can help you with everything from basic debt protection to the complex issues surrounding business succession planning. We offer solutions for:

Business debt protection

Life insurance can provide assurance that debt will be repaid in the event of the death of an owner or key employee. Life insurance can also assure the survivor that the business will continue.

Owner/employee benefits

These individualized benefit programs can help attract and retain key employees:
  • Executive bonus
  • Endorsement split dollar
  • Private bonus
  • Deferred compensation
  • Key person coverage

Exit-strategy planning

Preparing for your eventual exit from the business is a critical part of your business plan. Proper planning can help you accomplish your long-term goals. Federated offers assistance with:
  • Business continuation
  • Estate planning
  • Value estimation services
  • Buy-sell evaluations
  • Funding alternatives

Network of independent estate planning attorneys

Your Federated marketing representative can facilitate a meeting with an attorney in your area who specializes in estate tax and business succession planning.

Disability Income protection

Will your business stay on its feet if you’re not? A Federated Disability Income insurance policy can help protect your most valuable asset—your ability to earn an income.

Electronic analysis tools and Home Office support

Your Federated representative has access to top-notch analysis tools and support from our Home Office specialists.
Contact your local Federated representative to design a program to fulfill your business insurance needs. See Locate Your Federated Representative.
All products and services may not be available in all states. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A Federated representative can provide you with costs and complete details.
    


Personal Life Insurance Needs

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Protecting Your Family from Financial Loss

Life insurance pays cash to your beneficiaries after you die—replacing your income and helping your dreams continue after you are gone. Federated has life insurance products that can help fill the following needs:

Survivor income

  • Final expenses
  • Annual living expenses
  • College costs
  • Mortgage and debt payments

Estate planning

What role can life insurance play in your planning? Of all the assets in your estate, life insurance is probably the most unique as it creates an "instant" estate. Life insurance is one of the most cost-effective ways to create the cash needed to:
  • Pay estate expenses
  • Replace lost income
  • Provide liquidity to continue operation of your business after your death
  • Offset the reduced value of your business if it must be liquidated
  • Fund a trust for your minor or disabled children

Federated offers other insurance solutions

  • Disability income protection — A Federated Disability Income policy can help protect your earning power if you become disabled.
  • Individual retirement — Federated offers individual annuity products that help provide personal retirement benefits.
  • Network of independent estate planning attorneys — Your Federated marketing representative can help facilitate a meeting with an attorney in your area who specializes in estate tax planning.
  • Electronic tools and Home Office support — Federated marketers have access to top-notch analysis tools and support from our Home Office specialists.
Contact your local Federated representative to design a program to fulfill your family's needs. See Locate Your Federated Representative.
All products and services may not be available in all states. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A Federated representative can provide you with costs and complete details.

Disability Income

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Playing the Odds

Which would be most damaging to your business?
  1. Fire that destroys your main location
  2. Serious illness that prevents you from working for six months
  3. Your death
Without proper insurance coverage, any of these situations could close your business and cause hardship. But, would you be surprised to learn the greatest risk is the threat of disability? Studies of insurance claims* indicate the odds are far greater you will lose your ability to earn an income than lose your property. Most people plan for catastrophic events. But, it’s a fact that few people plan for disability.
  • What sources of income would be available to you and your family if you are unable to work for an extended period of time due to accident or illness?
  • What impact would there be on your business?
Playing the odds game is too risky. Protect your earning power with a Federated income replacement insurance plan.

Key features of a Federated plan

  • Noncancelable, guaranteed renewable
  • Back-to-work part-time benefit
  • 24-hour coverage
  • Rehabilitation payments
  • Waiver of premium
  • Preferred risk rates
Contact your local Federated representative to design a disability insurance program for your needs. See Locate Your Federated Representative.
*1985 Commissioner’s Individual Disability A Table.

All products and services may not be available in all states. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A Federated representative can provide you with costs and complete details.
    

Individual Retirement

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Retirement Planning – Important for a Secure Future

As you work hard to build your retirement nest egg, you want to take steps to ensure you don't run out of cash during your retirement years.
Annuities provide personal retirement benefits that earn interest on a tax-deferred basis. Federated offers the following individual annuity products at a very competitive rate, including:
  • Single Premium Immediate Annuities
  • Traditional IRAs
  • Roth IRAs
  • SIMPLE IRAs
  • SEP IRAs
  • Non-qualified Annuities
Contact your local Federated representative to design an annuity program to fulfill your individual retirement needs. See Locate Your Federated Representative.

*All products and services may not be available in all states. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A Federated representative can provide you with costs and complete details

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