[Fredslist] The cost of insurance

[David]

For those of you who do not have long term care 
and disability insurance - WAKE UP.  When I was 
34 I went to go get insurance and was advised to 
wait until I was 40.  At 37 I was diagnosed with 
Multiple Sclerosis and you can guess the 
rest.  Everyday I worry what will happen to my family if ...

Please don't make that your worry too!

All the Best,

David Stein
Automatic Mail/Automatic On-Line
347-581-7909

"From Snail Mail to E-Mail"
Printing, Mailing and Electronic Marketing




>Gotham,
>
>An interesting stat from the American Assocation for Long Term Care
>Insurance:
>
>The average premium for a 55-year old to own a Long-Term Care policy with a
>3-year benefit is $772/yr., versus $1,456 for a 65-year old.*
>
>Obviously, the longer one waits to make decisions about individual
>insurance (life, disability, or long-term care), the more costly it
>becomes.  More importantly, changes in one's health can completely
>disqualify one's eligibility for needed coverage.  I urge you to consider
>these issues and talk with an insurance and financial professional about
>finding the most appropriate coverage for you and your family.  You acquire
>insurance with your health...you maintain it by paying the premium.
>
>As always, I am open to your thoughts and comments.
>
>All the best,
>
>Joe "Spider" Sciabica
>
>*Source: Journal of Financial Planning, September 2006
>
>Helping to secure your family's financial future...
>
>Joseph M. Sciabica, AEP, ChFC, CFP(R)
>888 Seventh Ave. #301
>New York, NY 10106
>(212) 261-1802 ph.
>(646) 349-1455 fax
>jsciabica at wagroupllc.com
>www.josephsciabica.com
>www.wagroupllc.com
>
>(Embedded image moved to file: pic02663.jpg)
>
>Joseph M Sciabica, AEP, ChFC, CFP® is a Registered Representative and
>Financial Advisor of Park Avenue Securities LLC (PAS), 888 Seventh Avenue,
>Suite 301, New York, NY 10106, (212) 541-8800.  Securities
>products/services and advisory services offered through PAS, a registered
>broker/dealer and investment advisor.  Field Representative, The Guardian
>Life Insurance Company of America, New York, NY.  PAS is an indirect,
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>
>
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