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Life Insurance is a multi-purpose financial planning tool and is an essential ingredient in proper financial plans. It's primary purpose is to provide protection, security and peace of mind for your family in the event of death.
Life insurance, in it's truest sense, is designed to take care of your dependents by maintaining their standard of living and allowing them to pursue their dreams and goals. This is the fundamental reason many people purchase life insurance.
However, Life Insurance Investing also addresses other important needs - the needs of the living. For example, did you know that 60% of all money paid by life insurance companies is now paid to living policyholders?
These needs include:
Retirement Savings
College Funding
Estate Taxation Offset, and
Charitable Giving
There's no question that "Life Insurance is a multi-purpose financial planning tool" and we invite you learn more. The concept of "insurances" has been an integral part of lives for centuries. Today, more than ever, the tax laws governing insurance-based products can truely work to the astute investor's advantage.
Please take a moment to explore the different types of Life Policies. Our intention is educate you and your family and provide you with a BRIEF and cursory understanding of the pros and cons associated with each.
As always, you are welcome to phone us toll free at 1-800-480-7526 or drop us an email at info@fielder.com.
Both FFM and the carriers we represent take our commitment to ethical conduct in the marketplace very seriously. You will find that the majority of our carriers are members of the IMSA (Insurance Marketplace Standards Association).
IMSA is an independent, voluntary association that was organized by the life insurance industry to ensure that its members maintain a high level of ethical conduct in their dealing with the consumer marketplace.
Approval for membership in the IMSA is not automatic. An independent examiner trained and qualified to determine eligibility evaluates each carrier. If the company can demonstrate policies and procedures and a commitment to honesty, fairness and integrity involving the sale and service of products, then eligibility will be taken into consideration.
At FFM, we very much support the ideals that IMSA and its members represent.
Below is a partial listing of some of the companies we do business with.
| Aegon | Lincoln Benefit |
| Aetna | Lincoln National |
| Allianz | Manufacturers |
| All American | MetLife |
| Allstate | Nationwide |
| Ameritas | New England |
| CNA | New York Life |
| Chubb | Pacific Life |
| Delta | Physicians Mutual |
| Equitable | Penn Mutual |
| First Colony | Phoenix Home |
| First Penn Pacific | Provident |
| Fortis | Prudential |
| GE | Security Connecticut |
| Guardian | Southland |
| Hartford | Sun America |
| ING | Sun Life of Canada |
| Jackson National | TransAmerica |
| Jefferson Pilot | Travelers |
| KeyPort | UNUM |
| Liberty Mutual | USG |
| Life of Virginia | Western Reserve |
Attention Registered Users 
If you have not registered yourself, please do so now. Registered users will be added to our exclusive BROADCAST E-MAIL LIST, which provides periodic electronic communiqués on the subject of new offerings, cutting-edge investing ideas and newly developed estate preservation strategies.
(Please note: your registration information will not be released to any
other party without your express written consent)
Copyright © 1998
Fielder Financial Management, LTD.
All Rights Reserved.
Securities are offered through Girard Securities, Inc.
member FINRA, SIPC.
Mark R. Fielder, Registered Principal. CA. Insurance Lic. # 0690576.
