10 Reasons why you need Life Insurance

1.)    You have a loan on a vehicle

2.)    You or your children have loans for college

3.)    You have credit card debt

4.)    You have personal loans

5.)    Your spouse relies on your income

6.)    You are saving for retirement

7.)    You have outstanding medical bills

8.)    You have young children

9.)    You have a mortgage

10.)  You have a second mortgage

Why is life Insurance Important?

Life Insurance won’t guarantee you’ll never face a tragic situation, just as wearing a seat belt won’t keep you from crashing your car. Whatever hopes and dreams you have for your loved ones can still be realized, even if the worst were to happen.

REAL EXAMPLES:

~Husband/father was driving home from work and lost control of his vehicle. He was killed instantly leaving wife to raise two kids, a $200,000 mortgage and loan for vehicle.

~The couple each had a $500,000 dollar life insurance policy to pay for his $15,000 funeral, $200,000 Mortgage, $20,000 Car loan and also covered expenses to raise children.

~A 19-year old was riding in a vehicle with a few friends. The driver wasn’t paying attention and ran a red light getting T-boned by an on coming vehicle killing the teenager instantly.

~Her parents carried a $100,000 policy which paid for her funeral, college debt and some medical expenses. Parents also missed work for 6 months which life insurance paid for.

~Mother/Wife was diagnosed with ovarian cancer and was given 6 months to live. Family incurred $90,000 in medical bills and many trips to and from hospital. They spent the last two months traveling and shortly after she passed away leaving two children.

~Husband/Father received $250,000 in life insurance which was used to pay for funeral, medical bills, travel expenses and time missed from work.

American Family Insurance offers 25% discount with your home & auto insurance. We offer another discount on your auto insurance with a life insurance policy.  To find out your rate on your home, auto & life insurance go to my link under partnerships and click on American Family Insurance.

Office: 763-428-1004      Fax: 763-428-3063

This week’s blog entry will be about the Marvin Window factory tour that we took a couple weeks ago. As some of you may not know, Marvin Windows is based out of Warroad, MN. Marvin was kind enough to provide us a trip to their facility and an extensive tour.

While at Marvin, we learned a great deal about some of their new products like SillGuard, and Venting Picture Windows. We also learned about their manufacturing process.

Marvin SillGuard is a new way of keeping out water and moisture by effectively moving it to the exteriors of window and door openings. The Marvin SillGuard is easy to install and is made from non-corrosive and non-conductive recycled polypropylene.

The new Marvin Venting Picture Windows are an industry first. The Venting Windows provide the beauty of a picture window with the opportunity for cross ventilation. It provides fresh air and outside noises without any actual breeze coming through.

Here are some of the highlights of the manufacturing process we noticed while at Marvin:

• Marvin does not ever use two different species of wood for any of their products.
• They can design and produce any window that you can think of.
• Some of their patio screen doors are operated by rollers on the top of the doors.
• It’s unbelievable how many steps go into making a window!

To sum it up, this tour showed us that Marvin has got some new ideas and great products. However, while we like what Marvin is doing, there are many other companies out there that build great windows. It’s important to choose a window that not only looks great, performs well, and fits within your budget.

If you’re interested in finding out more information about windows or would like an estimate on adding or replacing windows at your house, please feel free to contact us.

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