1. Financial Security
The Compass Plan
The Compass Plan

2. 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

3. 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

4. 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

5. 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

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

7. 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:

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

9. 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

10. 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