Financial Security The Compass Plan The Compass Plan

You Face Three Major Problems You Could Die Too Early You Could Become Seriously Ill or Injured You Could Live Too Long You Face Three Major Problems

Die Too Soon You Leave the Mortgage for your Family to Pay You Leave a Spouse and Family who relied on your support You have Final Expenses to Pay and Outstanding Debts

Become Seriously Ill or Injured You have Huge Medical Bills to Pay You Lose Your Income and perhaps Your Spouse’s, too You Use Up Your Savings and Run-up Debts

Live Too Long With the Possibility of 20 or 30 Years in Retirement: You May Deplete Your Savings You May have to Reduce Your Lifestyle Leaving a Legacy for Your Children or a Charity May Be Impossible

The Compass Plan One Plan that Provides Peace of Mind and Financial Security for You and Your Family

Financial Security Let’s look a Plan that Could: Replace Your Income when You aren’t Here to Earn It Pay Your Medical Bills Provide Income when you are Sick or Injured Cover Your Dental Needs Help Your Children go to College or Continue Their Education Provide Income in Your Retirement that You Can’t Outlive Provide a Legacy for Your Family or Charity Financial Security Let’s look a Plan that Could:

The Compass Plan Means Financial Security for Your and Your Family Offered by: Dave Fenderson CPCU Field Underwriter

Accelerated Benefits Critical Illness: Chronic Illness: Cancer, Heart Attack, Stroke ALS, Blindness due to Diabetes, End Stage Renal Failure Major Organ Transplant Chronic Illness: Unable to perform two or more of the Activities of Daily Living (Dressing, Eating, Toileting, Incontinence, Bathing and Transferring) or A Severe Cognitive Impairment, i.e. Alzheimer’s Terminal Illness: Life expectancy of 12 months or less Accelerated Benefits Critical Illness Chronic Illness Terminal Illness

Accelerated Benefits Critical Illness: Cancer, Heart Attack, Stroke, ALS, Blindness, Major Organ Transplant, Aortic Graft Surgery, Aplastic Anemia, Cystic Fibrosis, Heart Valve Replacement, Motor Neuron Disease, Sudden Cardiac Arrest, End Stage Renal Failure Critical Injury: Coma, Paralysis, Severe Burns and Brain Injury Chronic Illness: Unable to perform two or more of the Activities of Daily Living (Dressing, Eating, Toileting, Incontinence, Bathing and Transferring) or A Severe Cognitive Impairment, i.e. Alzheimer’s Terminal Illness: Life expectancy of 12 months or less Accelerated Benefits Critical Illness and Injury Chronic Illness Terminal Illness