At Rick Young Insurance we go far beyond being simple Michigan insurance agents—we strive to be the insurance leaders you trust to protect your most important commodity—your life. http://www.rickyounginsurance.com/personal-insurance/life-insurance/

1. Rick Young Insurance: Life
Insurance
http://www.rickyounginsurance.com/

2. Michigan Life Insurance
• At Rick Young Insurance we go far
beyond being simple Michigan insurance
agents—we strive to be the insurance
leaders you trust to protect your most
important commodity—your life.

3. • Michigan Life Insurance offers peace of
mind. It provides the funds to pay estate
taxes and settlement costs without the
delay and costs of probate. It helps pay
for final expenses upon death. It helps
families pay their bills and mortgage
payments.

4. • At Rick Young Insurance we want to be
more than just your Michigan insurance
provider, we want to be the trusted
coverage specialist you rely on to handle
all of your Michigan life insurance needs.

5. • At Rick Young Insurance we want to
help you determine which insurance
policy type is right for you. Our
dedicated team of life insurance
professionals understands Pennsylvania’s
market and regulations and can find the
right plan – or mixture of options – that
fit your unique needs.

6. • In addition to helping you navigate your
way through one of the most critical
policy decisions you will ever have to
make in your lifetime; we pledge to
secure you a custom Michigan life
insurance plan you can depend on—and
one that is tailored to your individual
needs.

7. Term life insurance, whole life
insurance, universal life insurance,
variable life insurance,
survivorship insurance… the list
and combinations seem endless.

8. • Term Life Insurance Basics:
• Coverage for a “term” or period of your
life.
• Lower premiums for higher coverage.
• Provides a tax-free death benefit with a
fixed rate for 10-30 years.
• No equity – cannot be used as cash value.

9. • Whole Life Insurance Basics:
• Considered a permanent policy.
• Protection carries with you your whole life.
• Can build equity, have cash value and
dividends.
• You can borrow from the cash value on a tax-
free basis.
• Premiums stay level; guaranteed to never
increase.
• Higher premiums than term life, but can be
more valuable in the long run.

10. • Term and Whole Life Combined:
• Build lifelong base of whole live coverage.
• Supplement specific times of your life with
term insurance.
• A physical is always required. An examiner is
sent to your work, or home to perform a check-
up that includes height and weight, blood
pressure, blood work and a urine analysis.

11. • The amount of insurance is determined
by a number of factors, but a typical
formula is 5-7 times your annual income.
You choose a beneficiary, who has to
have an insurable interest, like a family
member.

12. • With so many alternatives it’s
understandable that you may feel a bit
anxious—so why don’t you enjoy living
your life to the fullest and leave the
insurance part to us! As Michigan's
trusted life insurance agency, we are
confident in the security we can provide
you.

13. • Life insurance is all about you, and you
are certainly worth insuring! So, contact
us today and let one of our life insurance
experts get you started on the right path!

14. • Give Rick Young Insurance a call right
now for more information and receive a
free Michigan life insurance quote right
now!

15. Rick Young Insurance
http://www.rickyounginsurance.com/
2993 Corinthia, Suite A
Rochester Hills, MI 48309
Local #: 248.844.9110
Toll Free #: 800.580.3449
Fax #: 248.844.9112