Page 5 - AAA Northampton County – AAA Now! – Fall 2017

INSURANCE SERVICES
AAA
HELPING PROTECT YOUR FAMILY CAN BE MORE AFFORDABLE THAN YOU THINK
TM
Let us help you make sense of your Medicare options.
Come to a AAA-sponsored MEDICARE 101 educational meeting.
Thursday, September 14 – 6 p.m.
(RSVP by September 13)
Tuesday, September 19 – 6 p.m.
(RSVP by September 18)
Thursday, September 21 – 6 p.m.
(RSVP by September 20)
Saturday, September 30 – 10 a.m.
(RSVP by September 29)
Meeting will be held at:
AAA Northampton County, 3914 Hecktown Road Easton, PA 18045
Thursday, October 5 – 6 p.m.
(RSVP by October 4)
Saturday, October 14 – 10 a.m.
(RSVP by October 13)
Tuesday, October 24 – 6 p.m.
(RSVP by October 23)
Space is limited.
Call today to reserve a
spot for yourself – and a friend: 610-258-2371
Not connected with or endorsed by the U.S. Government or Federal Medicare Program. This is a solicitation of insurance. You may be contacted by an agent. Call to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations. Limitations, copayments and restrictions may apply. Plan features and availability may vary by location.
Living life can be expensive. We all have important needs to cover, such as food for our families and transportation to get us to and from work. We also have costs in life that we don’t always think about, like taking care of pets and celebrating special events.
These “life costs” add up – and we might not even realize how much we’re spending. For example, dog owners spend an average of
$1361 a month. The costs of more “urgent” living necessities are even higher – the average person spends about $584 on food per month2!
How would your family cover these expenses if you’re no longer there?
A practical way to cover these expenses in the event something happens to you is by having life insurance. But is life insurance out of reach? Many people think so. In fact, most Americans
overestimate the cost by three times.3
In reality, life insurance can be a surprisingly
affordable purchase to help protect your family. For example, a 35-year-old female in excellent health who has never smoked can get up to $100,000 in coverage for just $8 a month4! That’s about half the cost the average consumer spends on food per day2.
Life insurance can be a valuable part of your family’s financial security. Overlooking this important way to help protect your family could be a costly decision that could leave those you care about the most without the future they deserve.
Consider making life insurance another “essential” to help protect the most important parts of life. To get a quote, contact your local AAA Life Insurance Specialist, Lisa Moyer at lmoyer@aaanc.com or call 484-546-0719.
1) Fortune.com - NATIONAL DOG DAY - This Is How Much Americans Spend on Their Dogs - Aug 26, 2016 | 2) Bureau of Labor Statistics, Consumer Expenditures - 2015. Aug 30, 2016
3) Life Happens, Consumers Overestimate Cost of Life Insurance by Nearly Three Times – April, 2012 | 4) Rates are for automatic payment on a 10-year $100,000 term policy, 35-year-old female, best class for non-nicotine.
Premiums are guaranteed. They are level for the term period and increase annually thereafter. Premiums may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95. Life insurance underwritten by our affiliate, AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. This article is an outline of the coverage provisions and does not contain all of the benefits and exclusions. See policy for specific details of coverage. Traditional Term Policy Form Series ICC11-1201/TL-1201 (In OR: ICC11-1201). © 2017 All Rights Reserved
ASK ABOUT A
TAX-DEFERRED ANNUITY EARN UP TO
4.00%
CURRENT FIRST-YEAR INTEREST RATE FOR PLATINUM BONUS ANNUITY®
Benefits of AAA Life’s Platinum Bonus Annuity include:
• Maximized earnings through the power of tax-deferral.*
• A competitive interest rate with an additional first-year bonus.**
• Free withdrawal once per contract year, up to 10% of the accumulated value.
• Earn no less than 1.00% — guaranteed.
To learn more, contact an agent today!
Lisa Moyer – AAA Northampton County
3914 Hecktown Rd., Easton, PA 18045
484-546-0719
* Under current federal income tax law. AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior to the purchase of any contract.
* *First-year rate shown above is current as of 6/13/2017 and subject to change without notice. It includes a first-year bonus for the first contract year only.
Benefits may be taxable. Rates shown are annual effective yields. The first-year interest rate is guaranteed for first contract year only. It is separate from the guaranteed minimum rate
*Under current federal income tax law. AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior toeffthecetivpeufrocrhaallscoenotrfacatnyyeacrso.nInttrearcets.t rates are credited from the first day of receipt of funds. Annuities are not short-term products. During the surrender charge period, withdrawals *Feirxscte-yeedianrgr1a0te%swhiollwbensaubjoecvtetoisacsurrendtear schoarfg6e/t1h3at/2m0a1y7beahnigdhserutbhjaencfteteos cashsaocniagtedwitihthooutht enrottyipces.oItfifinncalnucdiaelspraodfiurscts-yaenadrmbaoynruedsufcoerptrhinecifipraslt. Wcoitnhdtrracwtaylseparrioor ntoly.
591⁄2 may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. For complete details of coverage and specific details of the surrender charge schedule,
Benefits may be taxable. Rates shown are annual effective yields. The first-year interest rate is guaranteed for first contract year only. It is separate from
please refer to the contract. Policy and its features may not be available in all states. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of
the guaranteed minimum rate effective for all contract years. Interest rates are credited from the first day of receipt of funds. Annuities are not short-
Authority #07861) is licensed in all states except NY. Automobile Club of Southern California CA License #0003259. CSAA Life Insurance Agency of California, Inc. CA License #0D12130.
term products. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees asInssoucraianctedprowdiuthctsoitnhNeorrtyhpeernsCoalfiffionrnaiancoffiaelrepdrothdruoucgths AaAnAdNmorathyerendCaulcifoernpirainIncsiupranl.cWe Aitghedncray,wLiacelsnsperi#o0r1t7o585698,1⁄2inmNeavyadbaebysuAbAAjeNcetvtaodaIRaSndpiennUatalthiebsy,AseAApaUrtahte. Yforuormloctahle anAAnAucitlyu’bsasncdh/oerdituslaeffiolifasteusrarectnadseargecnhtas frogreAsA.AFoLirfec. PolmatipnulemteBodneutsaAinlsnuoitfycConvterarcatgFeormanSderisesp:eICcCi1fi1c-4d11e1ta/DiAls-4o1f11th(Ien OsRu:rIrCeC1n1d-e41r1c1h).arge schedule,please refer to thAeLAcNo-2n3t8ra82c-t6.1P7o-XliXcy and its features may not be available in all states. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life
LIFE Adds Up...
Insure Yours
Get a FREE Quote Today!
CALL: 610-258-2371 CLICK: AAA.com
VISIT: AAA Northampton
County Office
YOUR AVERAGE FOOD EXPENSES
$584 per month*
$500,00000 OF TERM LIFE INSURANCE
$1276 per month**
*Average consumer food expenses. Bureau of Labor Statistics, Consumer Expenditures -2015. Aug 30, 2016. **Rate indicated is for a $500,000, 10-year level term life insurance policy for a 35 year old female in excellent
health who has never used nicotine. Monthly automatic payment.
Premiums are guaranteed. They are level for the term period and increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95. This is an outline of the policy provisions and does not contain all benefits and exclusions. For complete terms of the insurance coverage, please refer to the policy. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. Products and features may vary by state. AAA Life (CA Certificate of Authority #07861) is licensed in all states except NY. Your local AAA club and/or its affiliates act as agents for AAA Life. Traditional Term Policy Form Series: ICC11-1201/TL-1201 (In OR: ICC11-1201).
ALAN-24226-717-XX
*
(CA Certificate of Authority #07861) is licensed in all states except NY. Automobile Club of Southern California CA License #0003259. CSAA Life Insurance
Agency of California, Inc. CA License #0D12130. Insurance products in Northern California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Your local AAA club and/or its affiliates act as agents for AAA Life. Platinum Bonus Annuity Contract Form Series: ICC11-4111/DA-4111 (In OR: ICC11-4111).
MOTORCYCLE AND MOTOR HOME INSURANCE
Now available at
AAA Northampton County!
ALAN-23882-617-XX
FALL 2017
3914 Hecktown Rd., Easton, PA • (610) 258-2371 • northampton.aaa.com
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Now!