Is your coverage in good hands? We offer the most comprehensive coverage available! San Antonio 15600 San Pedro # 401 San Antonio TX 78232 210-499-5433 Fax 210-499-1192 Dear Mr. Banowsky, I wanted to take a minute and compliment your agent Kim Nixon... Thank you so very much Kim... Tim, I wanted to thank you for taking time out of your busy schedule... Tim, I can't tell you how much I appreciate... Monica, Good doing biz with you... Thanks to you...we were able to raise over $40,000... Buckner & Martha Fanning - BFEF & BFCS On behalf of the YMCA...thank you for your pledge of $1,000 to the Gordon Hartman Family YMCA... On behalf of...St. Mary's...thank you for your charitable contribution... News You Can Use What Clients Say Garden Ridge 19115 FM 2252 Suite 18 Garden Ridge, TX 78266 210-651-3715 Fax 210-651-3736 Who Needs Life Insurance? If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life insurance benefits. Most Americans need life insurance. To figure out if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially? Would they have the money to pay for your final expenses (e.g., funeral costs, medical bills, taxes, debts, lawyers’ fees, etc.)? Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? What about long-range financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably? The truth is, it’s always a struggle when you lose someone you love. But your emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself. To help you understand how life insurance might apply to your particular situation, we’ve outlined a number of different scenarios below. So whether you’re young or old, married or single, have children or don’t, take a moment to consider how life insurance might fit into your financial plans.