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Insurance Services

Insurance Review

Whether or not you already own life insurance, you should consider life insurance an important part of your investment portfolio. It's a good idea to do a review.

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If you currently own life insurance, you may want to ask yourself the following questions:

  • Is your existing life insurance policy providing adequate coverage?
  • Have the needs that prompted you to buy an existing life insurance policy changed?
  • Maybe your financial goals have stayed the same, but are the products you are using among the most competitive and cost-effective on the market today?

If you already own life insurance, you should question whether or not you are getting the most out of your life insurance policy. Like all other investments, life insurance policies should be reviewed regularly. If your lifestyle, family situation or personal and financial objectives have changed, it may be time that your life insurance policy changes also. Now is a good time to determine if you have the appropriate type of insurance and the right amount of coverage for your needs.

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You may want to evaluate your policy for:

  • Insurance company ratings
  • Fund performance
  • Investment flexibility
  • Professional money managers
  • Adequate death benefit
  • Desired beneficiaries
  • Appropriate ownership
  • Competitive interest rates
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A Complimentary Life Insurance "Check Up"

Whether or not you currently own life insurance, your advisor can help. Morgan Stanley Smith Barney has long-standing relationships with many top-rated insurance companies and a wide choice of quality products to help you meet your diverse needs, including survivorship, universal and term life insurance. Further, life insurance products have advanced considerably in the past 10-15 years; make sure you own a life insurance policy that meets your needs today.

Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the "promotion or marketing" of the transaction(s) or matters(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Insurance products are offered through SBHU Life Agency, Inc.

For more information, please contact your Financial Advisor.

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