Get Proper Insurance Protection

In today’s uncertain economic climate, the last thing you and your family need is to be financially vulnerable. Homeowner’s insurance and life insurance are two key areas that many people overlook or undervalue. In fact, 66% of homeowners are underinsured by an average of 18%¹ and an estimated 68 million Americans have no life insurance.²

Primerica encourages you to review your coverage to make sure your home and income are adequately protected.

Homeowner’s Insurance: Homeowner’s insurance should cover 100% of the cost to rebuild, not the home’s value (including the land). That amount of coverage protects you regardless of real estate market fluctuations. Concerned about the increased cost of correct coverage?

Consider changing your annual deductible from $500 to $1,000 and you can save about 20% on premium costs. Shopping around is another great way to potentially save money for the same coverage. It’s a good idea to get new quotes from multiple insurers every two years. Contact your local Primerica Representative to learn about Primerica Secure™, Primerica’s auto & homeowner’s insurance referral program.

Life Insurance: If you have children and are still relying on just your employer for life insurance, you are most likely under protected. If any significant life changes have occurred throughout the year – such as the birth of a child – you will need to review your policy to make sure it still meets your needs. Experts recommend that a family with young children have coverage that’s 10 times the parents’ annual income.³

Even if you think you already have the right homeowner’s or life insurance, it’s not a bad idea to get a second look. For more than 30 years, Primerica has offered financial solutions tailor‑made to each individual client’s needs. Visit Primerica Financial Needs Analysis to find out what Primerica can do for you.

1. SmartMoney, September 2008
2. Reuters.com, August 20, 2008
3. MSNMoney.com, viewed November 14, 2008