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( 1 ) APY = Annual Percentage Yield . Available as a standard Certificate of Deposit or IRA CD . Rate is accurate as of the date of this publication . Rates are subject to change until the CD is opened . After the CD is opened the rate will not change until maturity . Fees could reduce the earning on accounts . A penalty may be imposed for early withdrawal . Disclosed yields reflect monthly compounding only and are subject to change with different interest calculation periods . The standard FDIC insurance amount is $ 250,000 per depositor , per insured bank , for each account ownership . ( 2 ) $ 10,000 minimum opening deposit must be funded from a non-LegacyTexas Bank account . ( 3 / 28 / 2018 )
MAY 2018 PARKER COUNTY TODAY
our professionals: INSURANCE SPECIALISTS
Who’s Gonna Fill
Their Shoes ?
How valuable is your
hat seems like a silly question to ask, but unfortunate-
ly, many people underestimate the true value of their
income. This is because most people do not consider the
full depth of support that one’s income provides.
To gain a better understanding of the value of your
income, consider these steps:
1. Multiply your annual income by the number of
years until your reach retirement. When expressed this
way, your income is often your most valuable asset.
2. Divide your life into four parts—Self, Family,
Community and Career—then identify everything within
each part that your income supports. You’ll start to realize
that many people depend on your income, perhaps even
more than you first thought.
Only when you begin to understand the true value
of your income can you determine if your most valuable
asset is adequately protected in the event you become too
sick or hurt to work.
IF YOU DON’T WORK, NOTHING DOES
Understanding the Risk of Disability
Who needs disability insurance? Just about anyone
who has a job. The possibility of a disabling illness or
injury may seem remote, but statistics paint a different
picture. According to the Social Security Administration,
the odds of becoming too sick or hurt to work is 1 in 4
workers during their working careers.
The odds of suffering a long term disability are high
for all workers because illness—not accidents—account
for 90 percent of disabilities that keep people from work-
Your paycheck could stop arriving just as an illness or
injury brings significant expenses for medical bills, mort-
gage payments, credit card and other bills. In fact, disabil-
ities have historically caused nearly half of all mortgage
foreclosures and a significant number of personal bank-
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SOURCES OF DISABILITY INCOME PROTECTION:
Most long term disabilities are not covered by Workers’
Compensation. 95% of disabilities are outside of the
About 65% of applications for Social Security disability
benefits are denied, and the average monthly payment for
current beneficiaries is $1,111, barely above the poverty
Employer Sponsored Coverage
Many employers provide their employees with disability
Individual Disability Insurance
The most flexible and reliable source of coverage is an
individual disability insurance policy you purchase on
Will you be able to maintain your current standard of
living if you become disabled?
We can help you use our Disability Insurance Needs
Worksheet as a starting point for your calculations. If you
prefer to use an online calculator, visit www.lifehap-
pens.org/Dicalc. This lets you assess the income needed
to sustain your current standard of living should you
become too sick or hurt to work.
We can help you find the best plans to protect your most
valuable asset - YOUR INCOME!!!
Call J.B. Gross Insurance - We are here to serve your
JB Gross Insurance 1703 Santa Fe Drive Weatherford
Tuesday, June 26th 2018 • 6:30 pm
Dove Ridge Vinyard
~ Catered by Fish Creek ~
Benefiting Careity Foundation
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