# 9 Too Little - Too Much

Many people give too little thought to the big THREAT of lost income. At the same time, they place too much focus on the COST of protecting that essential income.

For instance, if your income is $50,000, over the next 20 years that could amount to $1,000,000 or more. But that assumes you will be able to work that entire period of time. If instead you cannot work for part or all of those years, that is a lot of money to lose. What if only $125 per month* could protect your million dollars of earnings going forward? Why not do the math and see what you will be earning during the next 20 to 30 years? Losing your ability to work might drain away more than you realize.

Let your money work as hard as you do. One of the most significant jobs a small amount of your earnings can do is to safeguard the future for you and your family in the case of lost paychecks.

*Note: The above calculation is based on a taxable income of $50,000 ($50,000 per year. x 20 years = $1,000,000. The cost of insurance is approximately 4% or less so $50,000 x 4% = $1,500/yr. divided by 12 months = $125 per month).

Give us a call today and together we can figure out how to protect what is important to you now as well as what you will be building for your future.

Dick Nehls

(800) 888-1532


California Independent Agent and Broker

License # 455702

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