WHY
PEOPLE BUY LIFE INSURANCE
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For the Death Benefit:
- To replace earning power at death
- To pay for cash needs that arise at death
As a Disciplined Savings Program*:
- To help pay for educational costs
- To supplement retirement income
- To take advantage of business opportunities
- For financial emergencies
Because of the Risk of Waiting:
- To replace earning power at death
- To pay for cash needs that arise at death
For the Tax Advantages:
- Death proceeds are received free of income tax
- Cash value accumulations are tax deferred
- Cash value loans or withdrawals* are free of tax, as long as the policy
stays in force
- Accelerated death benefits are received free of income tax
In Recognition of Personal Responsibility to:
- Family
- Banker
- Mortgage company
For the Flexibility:
- Benefits may be available regardless of whether the policyowner lives,
quits, dies or becomes disabled
- Life insurance is portable; benefits are not lost due to job
changes
* Withdrawals and loans will reduce the policy’s death benefit and cash value
available for use.
Please call my office for an appointment
if I can assist in evaluating your life insurance
needs.
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MESSAGES
from
the Masters...
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KEEPING
YOUR ATTITUDE UP WHEN CIRCUMSTANCES ARE DOWN
by Chris
Widener
"Instead of spending your time thinking about how bad things are, think about
how good they will be!"
Everyone knows that a positive attitude is key to the successful life. But
what happens when things go wrong? What happens when circumstances deal us a
blow? We have a tendency to let our attitudes take the dive along with our state
of affairs. Life deals us setbacks, both minor and major, on a regular basis,
but if we are going to be successful, we need to know how to deal with them and
keep our attitudes intact! We need practical tools to help us understand how we
can go about keeping our attitude up, when the circumstances are down. Here are
some thoughts to help us do so:
Take some time-out. I'm sure you are aware of what happens.
You are going about your day and everything seems to be going well, when out of
nowhere disaster strikes. All of your best-laid plans begin to tumble. Sometimes
circumstances surprise us and we react. Unfortunately, this often compounds the
problem because by reacting we tend to operate out of our weaknesses instead of
our strengths. We make decisions that are not well thought out. We function with
a bad attitude that says, "I can't believe this is happening!"
The next time circumstances turn against you, take some time to just step
back from the problem and think. This will enable you to deal with the issue at
hand rationally, instead of emotionally. It will allow you to put your state of
mind back into its proper place. It gives you the opportunity to choose your
attitude as you face the circumstances at hand. Remember that we don't have to
do something right now. Go grab a cup of coffee and relax little bit. By doing
this you function with you being in control and not the circumstances.
Keep your eye on the goal. A second step in keeping our
attitude in the proper place is to make sure we keep the important things
important. One of the biggest problems with trouble is that it gets your focus
off of where it should be. When I experience difficult circumstances and people
ask me how it is going, I tell them, "I am just keeping my eye on the goal." It
has always been fascinating to me that when racecar drivers get into trouble,
they keep their eyes straight ahead and do not move them away. There is just too
much chance of wrecking that way. Instead, their eyes are on the goal, and this
keeps them out of trouble. If you find yourself getting down about
circumstances, sit down and write out what the goal is. Give some thought to how
you can achieve that goal, or others you may have.
A man was asked how he was doing and he responded, "Pretty well, under the
circumstances." The other man asked, "What are you doing under the
circumstances?" Good question. We shouldn't be under the circumstances, we
should be focused on the goal and moving forward.
Focus on solutions, not problems. The squeaky wheel gets the
oil, the old saying goes. Negative circumstances don't sit idly by. They scream
for our attention. When we face difficult circumstances, we tend to dwell on
them. We talk about them, fret about them, and give them way too much attention.
Instead of talking about problems, talk about solutions. Instead of spending
your time thinking about how bad things are, think about how good they will be!
Don't have family or staff meetings about the problems and how big they are.
Have meetings on the solutions and how you will implement them. Don't let
yourself or other team members complain. Encourage them to solve, with an
emphasis on the positive results that will come from doing so. Then take some
time to put these solutions down on paper, so you can monitor your progress.
Get some positive input. The mind tends to build on itself,
so when we begin to go in one direction, i.e. worry, it can be a slippery slope.
One thing we must do is get our thoughts back on track with positive ideas. When
circumstances have got you against the emotional wall, get with a good friend
who can encourage you. Listen to a tape by Zig Zigler or another motivational
speaker. Pick up a good book and give it a read. Whatever external influence you
can get to put your attitude back on the positive side of the tracks - do it! It
must be one of our first goals to start plugging good things into our minds to
fuel our attitudes.
Tell yourself the good. One of the greatest internal powers
we have is the power to control our thoughts. Spend time dwelling on the good
things about your life or job instead of the problems. Think about positive
things, things you enjoy and give you a sense of happiness and peace. There is
an old childhood song that says, "Count your blessings, name them one by one."
That is great advice! Let your positive attitude develop from within as well as
from without. This makes all the difference!
Remember that circumstances are not forever. Sometimes it
seems like we are going to be up to our eyeballs in the situation forever, when
in reality, this too shall pass. There will be a time in the future when
circumstances will change and you will be on the mountain instead of the valley.
This will give you a sense of hope as you live and work that will change your
attitude, make you feel better and put you on the fast track for growth!
Some questions as we close:
Q. Do you have a habit of reflection before responding?
Q. Do you
have a habit of keeping your eye on the goal?
Q. Do you focus on solutions or
problems?
Q. Do you give yourself positive outside influence?
Q. Do you
have a habit of telling yourself the good?
Q. Do you remind yourself that
nothing is forever?
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Brought
to you by:
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The Western and Southern Life Insurance
Company
Darrell Hersey
Financail Represnative
|
| 1235 North Loop West Suite
225 |
Houston, TX
77008-1771
713-300-2233 |
About
our firm:
Western & Southern Life has a
heritage of providing clients with superior customer service that dates back to
1888. Through our growing network of financial professionals, we provide
families, individuals, and institutions with life insurance, annuities, and a
wide range of other financial solutions. |
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QUOTES
from
the Masters...
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On
Fascination/ Curiosity
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"Fascination is one step beyond interest. Interested people want to know if
it works. Fascinated people want to learn how it works."
-- Jim
Rohn
"Curiosity is one of the permanent and certain characteristics of a vigorous
mind."
-- Samuel
Johnson
"The mark of a truly civilized man is confidence in the strength and security
derived from the inquiring mind."
-- Felix
Frankfurter
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On
Decide/ Decision
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"Decision making can sometimes seem like inner civil war."
-- Jim
Rohn
"Stay committed to your decisions, but stay flexible in your approach."
-- Anthony
Robbins
"I found every single successful person I've ever spoken to had a turning
point and the turning point was where they made a clear specific unequivocal
decision that they were not going to live like this anymore. That they were
going to achieve success. And some people make that decision at 15 and some
people make it at 50, and most people never make it at all."
-– Brian
Tracy
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