Issue link: http://read.dmtmag.com/i/121911
The responsibility for growth in membership and helping members solve their financial problems in large part rests on the shoulders of the Society's sales team. Below are the numbers of the top producers who embody our mission. The Numbers John Hill Life Premiums: $74,300.12 John won both 2012's NCSF life insurance contests, with $56,557.38 in annualized premium in the spring and $14,790.84 from July through December. John was also top in life premiums in 2011 and both life & annuities in 2010. John Hill sells in Wisconsin and East/Northeast Iowa. To contact John, you may reach him at 608-348-7866. Ann Ganze Annuity Premiums: $1,318,326.79 Ann Ganze sells in Illinois. To contact Ann, you may reach her at 815-434-2699. Spring 2013 — www.ncsf.com life insurance National Sales Manager Victor Mensavage To buy or not to buy? Let's start with the most obvious reason for why someone should invest in life insurance ... the fact that it can replace your income if you die before your dependents. Likely, you still want your family to enjoy a certain kind of lifestyle but your premature death may prevent that from happening if not properly planned for. By purchasing life insurance, you can make sure those concerns are addressed. At NCSF, you have options when it comes to buying life insurance. You can buy term life insurance which will cover you for a set number of years. These policies will pay a benefit to your beneficiary only during the term period the insurance covers. You have the choice of a 10-, 20or 30-year period. This can be a good option if you want coverage for a set period, say to cover the term of your mortgage or until your children finish college. You also have the option of buying a whole life (permanent) policy. At NCSF we offer a Limited Pay to 100, 20 Payment Life and a Single Premium Whole Life product. Purchasing a whole life policy may serve as a good investment for you. These types of policies build cash value. The account accumulates money over the years that you can tap into whenever needed. A lot of people prefer cash value accounts with their permanent life insurance policy because it adds a layer of protection and flexibility. They have the assurance that their family is taken care of while using the added benefit of the cash value account. The amount of insurance that you need depends on what you want it to cover. Look at how much you earn, and how many years your family will need to replace that income if you die prematurely versus how much you have already saved. Life insurance is not for everyone. But, you should not dismiss it without doing some research. If you have others who depend on you financially, it is very likely that you need it. Please contact your local NCSF Insurance Producer or the Home Office sales support staff so they can help you decide which type of policy works best for you. Buying life insurance can be one of the best financial steps you take for you and your family. 29