Personal Insurance

• Auto/Motorcycle/Boat Insurance
• Homeowners Insurance
• Health Insurance
• Term Life Insurance
• Permanent Life Insurance
• Disability Insurance
• Long Term Care Insurance

Auto/Motorcycle/Boat Insurance

• Liability - for damages you become obligated to pay
• Medical payments - for bodily injury to you
• Comprehensive - for any direct and accidental damage other than collision
• Collision - for upset or hitting of vehicle with another object

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Homeowners Insurance ()

• Options for Renters and Dwelling coverage only
• Know the basics of your policy. Some forms, Basic (HO-1) and Broad (HO-2), only cover specified perils.
• A Comprehensive form (HO-3) is more extensive and excludes only specific things like flooding.
• Specific limits, jewelry, boats, guns, computer equipment; Maybe increase through endorsement
• Loss of use; provides living expense reimbursement
• Trees and shrubs
• Personal liability - for claims or law suits made against you
• Medical payments to others - covers accidental injury you cause to others

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Health Insurance

• Pays hospitals and providers of medical services

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Term Life Insurance

• Low cost for a specific time period (1, 10, 15, 20, 25, 30 years)
• No cash value

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Permanent Life Insurance

• Universal Life or Whole Life available
• Level premium based on age and health at issue
• Builds cash value that may be accessed during lifetime
• May become paid up, requiring no more premium payments

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Disability Insurance

• Pays benefits to you if you are unable to work

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Long Term Care Insurance

• Provides money to pay for care in a nursing home, assisted living, day care, or at home

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Insurance and Investment products marketed through a bank or other financial institution are; NOT a DEPOSIT, NOT FDIC Insured, NOT Insured by any Federal Government Agency, Not Guaranteed by any Bank or Savings Association, May Go Down in Value Investment Products and Advisory Services through Jefferson Pilot Securities Corporation Branch Office: 105 Gail Lane, Oliver Springs, TN 37840 (865) 435-6655 Registered Representatives of Jefferson Pilot Securities Corporation, member SIPC, can offer variable life products, variable annuities, and over 5000 mutual funds to residents in the states of FL, KY and TN.