Welcome to Low Load Insurance Services’ quarterly newsletter – an exclusive benefit for you, one of our trusted fee-only financial advisors. The information contained in this issue of Policy Matters is not intended to make you an insurance expert. We don’t expect our fee-only financial advisors to know all the ins and outs of our industry, just as they don’t expect us to interpret trends on the NASDAQ. Low Load Insurance Services, Inc. is made up of experts in finding the right insurance based upon a client’s needs and their fee-only financial advisor’s recommendations. At the heart of everything we do is one guiding principle: To provide the same type of personal service you have trained your clients to expect. And it shows in the results we consistently achieve.

Policy Matters is part of our commitment (as The advisor’s insurance advisor) to provide you with service, products, education, and information you can use to safeguard your clients’ wealth and future security.

Life/LTCi & Annuity/LTCi:
The Hybrids Are Here!

You know those vehicles that do double duty, using both electricity and gas? The hybrids. They’ve been around for a long time, but have found new life and been revamped, and are now among the most popular vehicles around. Well, the same holds true for hybrid insurance products.
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Case Study Corner:
The $6 Million Man & The Hybrid

You probably know the Six Million Dollar Man as Lee Majors’ fictional TV character from the ‘70s, the former astronaut with bionic implants that gave him strength, speed, and vision far above human norms. Well, in our story, the man is married and both he and his wife are biomedical researchers with strong science skills, and a vision for solving important health problems and a net worth of about $6 million in retirement accounts and property.
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Stop! Before You Surrender

This is not an article about why people need permanent life insurance. That topic has been discussed many times before. (Not to say we don’t reserve the right to discuss it again in the near future!) This article is about what the options are and what to consider before cashing in an old policy.
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Did You Know…

2907 W. Bay to Bay Blvd. | Suite 102 | Tampa, FL 33629-1706 | Toll Free: 877-254-4429
Local: 813-902-0002 | Fax: 813-902-0007 | www.LLIS.com

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