AAA
InsurAnce
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THE LATEST ADDITION TO THE SERVICES AVAILABLE AT AAA NORTHAMPTON COUNTY:
PERSONAL UMBRELLA LIABILITY COVERAGE
A personal umbrella policy (PUP) is an insurance
avoid them, accidents happen. And, even though
an oncoming SUV. She is ok, but the accident
policy designed to extend the overall liability
you believe you have adequate coverage under
disables the other driver, and causes serious
coverage provided by your auto, homeowners',
your other insurance policies, you may need more
injury to the two passengers.
motorcycle, renters' or condominium policy, and
protection. Costs to cover property damage, injuries
acts as an "umbrella" over and above these
to others, legal expenses from lawsuits and related
Even if you have a modest income and assets, you
coverage's. Simply stated, it affords you protection
court awards could quickly exceed the limits of your
can unexpectedly find yourself being sued because
against devastating claims and judgments.
policies. If you aren't protected by a PUP, you could
you were involved in a major auto accident or because
A personal umbrella policy kicks in when the
be putting your house, your assets and your future
of an unfortunate mishap on your property.
limits of your primary policy (auto, home, etc.) are
earnings at risk. The following everyday examples
A personal umbrella policy is a low-cost policy
exhausted, subject to certain exclusions. As a result,
help illustrate why you need extra protection:
designed to protect you, your family and your future
your current assets and your future earnings are
against catastrophic lawsuits and judgments.
better protected.
· You have a graduation party, and one of your guests
Making such a personal decision about your
You've worked long and hard to get to where you
(a) slips and falls, causing temporary paralysis, as
options is yours, and yours alone under the law.
are today. You own a home and a variety of per-
well as serious head injuries, or (b) leaves the party
As your independent insurance agent, I can help
sonal possessions, some of which may have been
intoxicated and is involved in an auto accident,
explain these options. Our agency's job is to help
expensive, and you and your family have a car or
causing serious injury to himself and others.
provide you with information on these choices so
two, or maybe even three. You've done your duty
that you can make informed decisions.
and pinched pennies to save for retirement, all in
· While playing recreational baseball, your errant
If this policy sounds like something you should
an effort to provide for your family's present well-
throw strikes a nearby pedestrian in the face. The
consider, give me a call or stop by and we can
being, as well as its financial future and security.
injuries require reconstructive surgery, but still
discuss your needs.
But, if you aren't protected by a personal umbrella
cause permanent disfigurement.
policy, everything you've worked for could be at risk
LISA MOYER
because of a single accident or lawsuit.
· While reaching to pick up her cell phone, your
(610) 258-2371
What if an accident happens? Though you try to
daughter swerves across the center line, and hits
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Total First Year
Issue Amounts
Annuity Rate1
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Annuities are a smart choice if you want to:
life insurance quote from a
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20-YEAR TERM LIFE POLICY
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· Pay taxes on it at a later date2
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Monthly premium, age 35, best class for non-nicotine
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$25.96
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Lisa Moyer
Contact Lisa Moyer, your local
Allstate
$35.88
$30.63
AAA Life Insurance Specialist,
(610) 258-2371
New York Life
$35.36
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LISA MOYER
to find out more about annuities
AAA Northampton County
Prudential
$35.10
$28.80
(610) 258-2371
or life insurance.
3914 Hecktown Road
Easton, PA 18045
State Farm
$32.20
$27.85
AAA Northampton County
3914 Hecktown Road
1Annual effective yield. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the
Easton, PA 18045
Comparison of publicly available rates from Compulife and company websites.
guaranteed minimum rate effective for all contract years. Rates are subject to change without notice. The minimum guaranteed
Rates current as of 2/20/2014.
interest rate is 1.0%. 2AAA Life and its agents do not provide legal or tax advice. Therefore, you may wish to seek independent
legal, tax, or financial advice prior to the purchase of any contract.
Annuities are usually purchased to meet long-term goals. Product and its features may not be available in all states. Under current
Premiums are guaranteed for the term period, then increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and
tax law, earnings withdrawn before age 59 ½ may be subject to IRS penalty and taxable. During the surrender charge period,
underwriting guidelines. Certain exclusions apply. See policy for specific details of coverage. Policy and its features may not be available in all states. Life insurance underwritten
withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of
by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. AAA Life CA Certificate of Authority #07861. Policy Form Series ICC11-1201, TL-1201.
financial products and may reduce principal. For complete terms of the annuity, please refer to the contract. Annuities offered by
AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. AAA Life CA Certificate of Authority #07861.
ALAN-21916-214-XX
Contract Form Series: ICC11-4111, DA-4111. ALAN-21786-114-XX
4
3914 Hecktown Rd., Easton, PA · (610) 258-2371 · www.aaanc.com
SUMMER 2014

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