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First Personal Insurance Services, Inc.
an insurance agency subsidiary of First Personal Bank
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Term and Permanent Life Insurance
| Disability Income | Long Term Care | Group Medical
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At First Personal Insurance Services, Inc., our mission is to provide you with consistently high levels of knowledge, support and service in evaluating your personal and business insurance needs and in obtaining life and health insurance products to address them.
Our Services and Products for Individuals and Families:
- Coverage Review and Analysis
With our individualized review and analysis service, we will assist you in looking at some of the areas of risk in your life and suggest insurance coverage appropriate to address those risks. And since insurance products evolve and often improve over the years, we will also evaluate your existing insurance plans to determine if they offer sufficient coverage and if they represent a high level of value.
- Life Insurance Protection
We offer various types of life insurance from highly rated insurance carriers.
Term insurance offers the greatest amount of pure insurance protection at the lowest cost with premiums that are guaranteed level for 10, 20 or even 30 years.
Permanent insurance is intended to last, not for a limited number of years, but for your lifetime. In addition to providing lifetime protection, it often accumulates cash value and can be a part of a total savings plan.
- Disability Income Protection
Disability is three times more likely than death to strike a breadwinner between the ages of 20 and 65! Yet many people who readily purchase life insurance seem unaware of the risk that disability poses. How long could your family maintain its lifestyle if you or another primary wage earner was disabled due to a serious illness or injury?
Disability Income (DI) insurance can replace a substantial portion of your income lost due to disability and permit you or your family to weather the disability free from overwhelming financial pressures.
- Long Term Care Coverage
A very real concern for many of you today is the prospect of one or more family members needing assistance and care, perhaps for many years.
Long Term Care insurance can provide for payments in amounts from $50 to $200 or more per day for care at home or in a care facility for you or a family member who cannot meet reasonable standards for providing self-care.
- Estate Planning and Wealth Transfer
You spend your life working to build up your estate, assuming the proceeds will go to your family or for charitable bequests at your death. With proper planning, your estate can be maintained or even enlarged and passed to heirs or beneficiaries on a tax-favored basis.
Our Services and Products for Business
Owners:
- Coverage Review and Analysis
Your business faces issues similar to those for individuals,
but often with more types of coverage, more people to consider,
and more financial implications. We offer a careful, thorough
review to ensure that you have the right coverage at a
competitive cost.
- Key Employee Coverage
One of the biggest assets of your business is your people.
What happens if a key employee dies prematurely or becomes
disabled? How long will it take you to find a replacement? Will
your business even survive? Life and Disability Insurance on key
employees can ensure the financial health of your business.
- Business Continuation Plans
At your death, both your surviving family members and your
business are faced with enormous challenges. Who will buy your
share and carry on the business? How will your family be paid
for its share? With foresight and planning, and with life
insurance to fund the solution, we can help you accomplish the
orderly transfer of your business and the equitable treatment of
your family.
- Executive Benefit Programs
The greatest contributions to your business often come from
a small handful of people. It makes sense to find special ways
to reward them, taking proper advantage of income tax and other
planning techniques. Qualified retirement plans, bonus plans,
deferred compensation plans, company-paid insurance, and other
tax-advantaged benefits can be used to reward your best
contributors.
- Employee Benefit Plans
To get and to keep the kind of employees you want, you have to
offer various benefits - life and health insurance, retirement
savings plans, and much more. The costs are high, and they seem
to get higher every year. Are the dollars being well spent? Are
there economical alternatives?
With many advisory resources available for business owners, First
Personal Insurance Services can help you to improve the cost and the
effectiveness of your benefit plans. At First Personal Insurance
Services, we have the products and services and the people to offer
you “the best insurance experience you’ve ever had.”
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For more information, or for a no-obligation discussion, please
contact:
First Personal Insurance Services
14701 Ravinia Avenue
Orland Park IL 60462
Office: (708) 226-2727
Not FDIC Insured ● Not guaranteed by the Bank ●
Not a Deposit
May Go Down in Value ● Not insured by any Federal Government Agency |
