Mumau Page Background Mumau Page Background
INSURANCE Life & Disability Income Insurance Life will never be free from uncertainty. But when uncertainty is minimized, life can be maximized. No matter what stage of life you are in, if someone depends on you financially, you should consider reducing their uncertainty by protecting them with life insurance. In the event of a tragedy, life insurance proceeds can: • Help pay the bills and meet ongoing living expenses • Pay off outstanding debt, including credit cards and your mortgage • Finance future needs like your children's education • Protect a spouse's retirement plans The ability to work and earn a living makes everything else possible. It’s our most valuable asset. And it deserves protection. Our income earning potential can be protected with disability income insurance. Disability income insurance provides income if you are unable to work because of an illness or injury. No one expects a serious injury or illness to strike, but disability can happen to anyone at any time. You don’t hesitate to insure your home, your car or other valuables, so why wouldn’t you protect your income? Think of it as insurance for your paycheck. Medical / Dental / Vision Insurance Insurance against the risk of incurring medical expenses among individuals. The prevention, treatment and management of illness and the preservation of mental and physical well-being through the services offered by the medical and allied health professions. Fixed Annuities An insurance contract in which the insurance company makes fixed dollar payments to the annuitant for the term of the contract, usually until the annuitant dies. The insurance company guarantees both earnings and principal. A fairly good financial instrument for those looking to receive a fixed investment income. Annuities can help you achieve a variety of financial goals. • Extra income needs — Fill the gap between early retirement and the beginning of Social Security benefits or provide more during the early, more active years of retirement • Retirement needs — Provide for essential expenses in retirement not covered by Social Security, pension plans or personal savings • Non-retirement needs — Provide reliable, regular income, such as payments to college students to cover living expenses Long Term Care Long-term care insurance is an insurance product that helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, getting in and out of a bed or chair and walking.
Information posted to this site by 3rd parties or links to 3rd party sites are not created or endorsed by AIC or its representatives. Their information is deemed to be from reliable sources; however, their content cannot be guaranteed. *Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC), Member FINRA, SIPC. AIC and Ameritas Financial Services of Western PA are not affiliated. Additional products and services may be available through Michael Mumau or Ameritas Financial Services of Western PA that are not offered through AIC. Securities products are limited to residents of Pennsylvania, Ohio, Florida, and North Carolina. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. A Representative from Ameritas Financial Services of Western PA will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
Insurance Agent with Clients
© 2019 All rights reserved. Website built, maintained and powered by ZZLocal, LLC www.zzlocal.com
814.938.5080
www.ameritaswpa.com
INSURANCE Life & Disability Income Insurance Life will never be free from uncertainty. But when uncertainty is minimized, life can be maximized. No matter what stage of life you are in, if someone depends on you financially, you should consider reducing their uncertainty by protecting them with life insurance. In the event of a tragedy, life insurance proceeds can: • Help pay the bills and meet ongoing living expenses • Pay off outstanding debt, including credit cards and your mortgage • Finance future needs like your children's education • Protect a spouse's retirement plans The ability to work and earn a living makes everything else possible. It’s our most valuable asset. And it deserves protection. Our income earning potential can be protected with disability income insurance. Disability income insurance provides income if you are unable to work because of an illness or injury. No one expects a serious injury or illness to strike, but disability can happen to anyone at any time. You don’t hesitate to insure your home, your car or other valuables, so why wouldn’t you protect your income? Think of it as insurance for your paycheck. Medical / Dental / Vision Insurance Insurance against the risk of incurring medical expenses among individuals. The prevention, treatment and management of illness and the preservation of mental and physical well-being through the services offered by the medical and allied health professions. Fixed Annuities An insurance contract in which the insurance company makes fixed dollar payments to the annuitant for the term of the contract, usually until the annuitant dies. The insurance company guarantees both earnings and principal. A fairly good financial instrument for those looking to receive a fixed investment income. Annuities can help you achieve a variety of financial goals. • Extra income needs — Fill the gap between early retirement and the beginning of Social Security benefits or provide more during the early, more active years of retirement • Retirement needs — Provide for essential expenses in retirement not covered by Social Security, pension plans or personal savings • Non-retirement needs — Provide reliable, regular income, such as payments to college students to cover living expenses Long Term Care Long-term care insurance is an insurance product that helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, getting in and out of a bed or chair and walking.
Information posted to this site by 3rd parties or links to 3rd party sites are not created or endorsed by AIC or its representatives. Their information is deemed to be from reliable sources; however, their content cannot be guaranteed. *Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC), Member FINRA, SIPC. AIC and Ameritas Financial Services of Western PA are not affiliated. Additional products and services may be available through Michael Mumau or Ameritas Financial Services of Western PA that are not offered through AIC. Securities products are limited to residents of Pennsylvania, Ohio, Florida, and North Carolina. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. A Representative from Ameritas Financial Services of Western PA will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
© 2019 All rights reserved. Website built, maintained and powered by ZZLocal, LLC www.zzlocal.com
Ameritas Financial Services Corporation