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It's hard to believe that the month of February is here all ready! We certainly hope that 2013 has gotten off to a good start.
We simply couldn't resist the cute picture below. From a cat's perspective, I guess they are right. "People don't land on their feet". But from our perspective, we believe the title should be changed to "People don't ALWAYS land on their feet", especially if you are referring to the stock market. With all the market volatility predicted ahead, who knows where the market will land.
But if you are talking about saving for retirement with a Fixed Indexed Annuity, we can safely say "You will ALWAYS land on your feet". With no risk due to market volatility and with the safety and guarantees provided by contract, your retirement dollars will enjoy steady growth, year after year.
Now how is that for
"ALWAYS LANDING ON YOUR FEET?"
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HISTORY OF LIFE INSURANCE
Did You Know?
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 The concept of life insurance is now a major part of everyday life, although that wasn't always the case. Like many things, the premise behind life insurance in America was something that came from the British, who in turn had borrowed the idea from the Romans.
Ancient Rome is credited with being the birthplace of life insurance through the use of Fratres, which were essentially clubs that formed for the purpose of paying funeral expenses for its members. Money left over after the cost of the funeral was typically given to the surviving family members to help them make ends meet. Anybody who was delinquent by more than six months with their club dues could not apply for financial assistance to help with funeral costs of a family member.
Life insurance began to take its modern form in 17th century England. The practice of life insurance was deemed illegal throughout most of Europe at that time, but was encouraged in England.
The first case of life insurance in America can be found in 1759, when the Presbyterian Synod of Philadelphia created the Corporation for the Relief of Poor and Distressed Widows and Children of Presbyterian Ministers. Shortly afterward, Episcopalian priests began a similar venture for their family members.
While the first forms of life insurance were for the benefit of clergy members and their families, the practice didn't take long to catch on with the general public. The first life insurance policy for a member of the general population occurred on May 22, 1761 in Philadelphia.
There have been many changes made in the life insurance industry since the issuance of the first policy, Now more than ever, life insurance has become a very integral part of any sound financial plan. With life insurance planning in place you can rest assured that your family is not only protected but dreams such as college for your children or grandchildren will continue.
But did you know that life insurance can also be used as a way to leave a tax deductible bequest to your favorite charity while preserving major assets for your family? It is simple and you don't have to be a millionaire to do it. It is a way how a small gift today can create a magnified gift for tomorrow. A gift that will forever be "Your Legacy".
Interested? Give us a call at 410-758-1680. |
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PUBLIC SERVICE PROJECT 2013
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As everyone knows, Rebecca and I love animals as much as we do our business. For the last several years, we have been trying to figure out how to combine the business we love with our compassion for animals. We are very concerned about all the homeless loving cats and dogs that are in our shelters today and the ever increasing birth rate of so many unwanted pets.
Volunteers at our shelters should be commended for their selfless devotion to the animals in their care. But as with all shelters, funding for continued animal care is always needed.
With this in mind, we are happy to announce that as of January 1, 2013, "Saving Grace of Maryland" was born. Saving Grace of Maryland's goals are two fold. First, to work with every
501c(3) Humane Society in the State of Maryland teaching their members the value of Tax Deductible Charitable Giving through life insurance. Secondly, to educate members on the value of preparing a Pet Trust that will ensure the continued loving care of our companion animals after our passing.
Each month we will showcase a shelter that we are working with. This month we are showcasing Chesapeake Cats and Dogs, "A Small Shelter With A Huge Heart". Next month we will be showcasing Caroline County Humane Society,
If you are a Member of a Humane Society and would like for us to talk with your Board about a presentation, please visit our website at www.savinggraceofmd.com.
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Sincerely,
Mike Zimmer & Rebecca Thacker
Bay State Insurance Agency Limited
410-758-1680
1-877-411-3702
"Your Safe Money Team"
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HAPPY VALENTINE'S DAY TO
OUR FRIENDS AT
CHESAPEAKE CATS AND DOGS
www.chesapeakecatsanddogs.org
"A SMALL SHELTER WITH A
HUGE HEART"
Frankie
Oreo
Charlie
Fiona
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Quick Links
www.yoursafemoneyteam.com
Individual Medical Insurance
(under age 65) | |
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A Sliver Lining for Your Retirement Account
If you transfer your IRA's , Annuities, old 401(k)s , or any other retirement account to us, one of our major insurance carriers will guarantee you an immediate 8% premium bonus; $50,000 becomes $54,000, $100,000 becomes $108,000, $250,000 becomes $270,000.
Not only that, you will receive an immediate 8% premium bonus on all premium payments received during the first seven contract years.
In addition to your premium bonus, how would you like to learn how you can add an income rider with a guaranteed 6.50% income growth for up to 10 years? This is not a prediction, this is a guarantee. You simply need to take a lifetime income.
Isn't it time you stop gambling in the risky stock market and get a good night's sleep? If you would like to have guaranteed growth and an income you can count on, give us a call at 410-758-1680 to learn how to earn more. ___________________________________ |
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Thanks to those you have served,
who do serve, and
most of all,
to those who have made the ultimate
sacrifice in service to America.
Let Freedom Ring.
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Thanks to YOU the word is spreading. Thanks to all of our clients and friends who graciously referred us to their friends and neighbors last month! There's no question we have the BEST clients on the entire planet. Our business is built on word of mouth advertising and we would like to thank everyone who has been kind enough to recommend our services to their friends. We promise to treat your friends just like we treated you, with respect and understanding. We promise to always do what is right for our clients.
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The purpose of this newsletter is to provide
information of general interest to our clients, potential clients and other professionals. The information provided is general in nature and should not be considered complete information on any product or concept described. For complete information, please contact our office at 410-758-1680 or 1-877-411-3702.
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