KofC Insurance Newsletter May
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The VANTAGE Annuity Advantage With the instability in the stock market in recent years, you might be concerned about funding a comfortable, worry-free retirement. The Knights of Columbus can help. We offer a traditional Flexible Premium Annuity and a VANTAGE Single Premium Deferred Annuity. One of these products may be part of the answer for you. With a single deposit of $25,000 or more, the VANTAGE allows you to lock-in a guaranteed interest rate for five years. In addition, there are several attractive renewal options once the five-year period has expired, including keeping the funds in another VANTAGE Annuity, placing them in a more traditional flexible premium annuity where the interest rate can be changed on a quarterly or more frequent basis or – in the 30-day period prior to the fifth and tenth policy anniversaries – withdrawing the funds without a surrender charge. The VANTAGE Annuity, along with our Flexible Premium Annuity, both provide the guarantees that Knights of Columbus members have come to expect – guaranteed interest rates along with absolute safety of principal. In addition, we can easily accommodate rollovers and transfers free of charge (the other company may have a transfer charge, however). I will be happy to meet with you at your convenience – in your home – to discuss with you in detail how the Knights of Columbus can help you to secure the comfortable, worry-free retirement you want and deserve. Tony LoMonaco, FICF 520-275-8836 This email address is being protected from spambots. You need JavaScript enabled to view it.

 
Different Life Stages - Changing Needs
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You may have a long-range expense for which you are saving, such as college for your children. You may be concerned about a comfortable, worry-free retirement. You may want to protect your ability to earn a living. You may wonder if needing costly long-term care will deplete your hard-earned assets. You want to have something to leave for your wife, children or grandchildren.
At some point you may have had all of these needs on your mind. Over time, these thoughts make way for others as your needs evolve, your finances change and you get older. What is important to you at age 20, may not be at 30, or 45, or 65. What is the best way to be prepared for these changes before they happen?
One of the easiest ways to be financially ready for changes that come with different life stages is to meet annually with your professional Knights of Columbus agent, and address the needs that his analysis uncovers. This can help you be ready to face the financial challenges and issues on the road ahead. 
During that annual visit, I’ll take the time to review your needs, goals and budget. I’ll update all beneficiaries on your policies and be sure your coverage meets your needs. I’ll recommend a program of life insurance, long-term care, disability income insurance and guaranteed retirement products that will help you rest easy at night.
Whatever your needs, whatever your concerns, whatever your stage in life, I can help.
Contact me today to learn more.
Tony LoMonaco, FICF
520-275-8836
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Have you insured your most valuable asset?
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Is your income protected if you become too sick or hurt to work? Your ability to work and earn an income is your most valuable asset. Yet a disability could prevent you from earning that income. Just one year of a disability could eliminate your savings.
I would like to show you that Income Armor, an individual disability income insurance product from the Knights of Columbus, should be a key part of your overall financial plan and family’s protection.
If you become too sick or hurt to work, Income Armor provides monthly benefits to help you meet living expenses and maintain your standard of living. Your monthly benefits help you pay your mortgage ad other monthly bills, and help your savings and retirement assets remain intact.
In short, if you have a job and don’t have a way to protect that paycheck, you should seriously consider Income Armor today. I look forward to meeting with you. 
Tony LoMonaco, FICF
520-275-8836
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Insurance Check-up for 2012
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 An insurance check-up can be as important as an annual physical. Unlike many other products, you don’t just need money to obtain life insurance, long-term care or disability income insurance. You also need good health, and no one knows when your health could change.

Did you take time out of your schedule last year to meet with me? If you did, thank you for seeing me and helping secure your financial future. I will be in touch with you to schedule your annual review to verify that everything is heading in the right direction. We’ll make sure that if your goals and budget have changed, your plan still works for you.
If you didn’t have a meeting with me last year, I hope you will answer my invitation this year. It’s a wise idea to have an expert look at your finances. Schedule some time to visit with me, your professional Knights of Columbus insurance agent, and I’ll provide an insurance check-up that will quickly identify any gaps in your family’s life insurance program. 
Did I mention my check-up is free of charge? When was the last time you received something for free that could be providing value to you and your family for generations? And I’ll come to your house when it fits your schedule. Call me today.
Tony LoMonaco, FICF
520-275-8836
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KofC Insurance Newsletter
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It’s never too late to start to make your life better, for yourself or your family.  I want to warn all my Brother Knights against the dangers of going through life with financial blinders on. Please take a moment to ask yourself some very important questions.

Do you know how much life insurance you and your wife have? If you own term insurance, do you know when it expires?  Do you know who your beneficiaries are?  Are you prepared for elder care? What happens if you need nursing home care or at home care? Do you know what the government will pay for and what they won’t? Are you ready for retirement? At what age will your money run out? How much is enough? Do you have a defined benefit pension plan, or a defined contribution plan?  Both or neither? Will your government send you money every month?  What happens to you and your family should you become disabled? How will your income needs be met?

These questions merely scratch the surface, but you get the idea. A Life Insurance Market Research Association (LIMRA) study released in August 2011 found that 34 percent of all households surveyed would have immediate trouble meeting everyday living expenses if the primary wage earner died. Twenty-nine percent said they would be able to cover expenses for several months before facing difficulty.  In 2010, more than half the households in the United States openly admitted that they do not have enough (or any) individual life insurance coverage.

Remember, as a member of the Knights of Columbus, you have a full-time, professional agent you can call your own. My primary responsibility is the care and service of your family’s life insurance, retirement, long-term care and disability income needs. I will help you answer these questions because I want your decisions to be informed one and together we will come up with a plan that meets your needs and fits your budget. 

May God Bless you and your family this Christmas,
Tony LoMonaco, FICF
520-275-8836
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