FREE REPORT from Dennis Volz

Beware Of Your Term Insurance

THE TICKING TIME BOMB!
While TERM LIFE
INSURANCE is WHAT KIND OF INSURANCE IS BEST FOR
inexpensive in your
younger years, it ME?
becomes TERRIBLY
EXPENSIVE when you are If you’ve read any of our other reports, you’ll know that even though
older. insurance has been part of our culture for over 100 years, to most
people – It’s still a just a mystery. And because they don’t understand
This free report from it, a lot of people think they’re being “ripped off” by the Insurance
Dennis Volz, will enable you Industry; aka “The Club”
to formulate a sensible plan
to not only COMPLETELY
AVOID the higher cost of
I want to end that for you.
TERM LIFE INSURNCE in
your later years but to let I'm an industry "insider": A licensed
the policy begin to PAY member of “The Club”
YOU cash EVERY MONTH! I’ve been inside the insurance business
for over 25 years and I know it like
the back of my hand: From policy to
claims and back again.
I've sold insurance. I've studied it. I've discovered what makes "good
insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal". Life

insurance is certainly no exception. Placing all your coverage in TERM LIFE
INSURANCE can be one of the costliest mistakes you could make.

To help us get started, please answer this question for yourself:

WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE?

(IN FORCE means that it’s paid, current and ready to pay a death benefit if you
should die. )

Well, the obvious answer is: WHEN I DIE!! Of course…

OK, when do you plan to die????

The next obvious answer (at least MY answer is) When I’m old.
VERY OLD.
THE OLDER, THE BETTER!
Page 1
Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time
soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die
when you’re older – Much older. But just in case you don’t, you purchase life insurance to
protect the financial future of those you love.

So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like
an FBI agent just examining the evidence to see where it leads.

Here’s what Term Life Insurance life rates look like. This is just a typical example for a
$100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a
AGE Mo Prem AGE Mo Prem AGE Mo Prem hundred different companies. What will be the SAME
31 $25 49 $55 67 $222 from ALL THE COMPANIES is the UPWARD TREND of
32 $25 50 $60 68 $245
33 $25 51 $66 69 $270 the rates.
33 $26 52 $73 70 $298 -----------------------------------------
35 $27 53 $80 71 $330 FACT #1 – Term life insurance is not very expensive
36 $27 54 $89 72 $364 when you are young. Notice how the rate doesn’t
37 $28 55 $98 73 $402
even change for the first 3 years.
38 $28 56 $104 74 $441
39 $29 57 $114 75 $484
40 $31 58 $127 76 $528 FACT #2 – Term life insurance premiums increase as
41 $32 59 $152 77 $576 you get older. Take a look at the chart. Except for the
42 $33 60 $116 78 $629 first few years, the rate increases EVERY YEAR.
43 $36 61 $127 79 $687
44 $38 62 $140 80 $750 FACT #3 – Term life insurance gets VERY EXPENSIVE
45 $40 63 $154 81 $798 when you’re older. Notice how it increases VERY
46 $44 64 $169 82 $850 SLOWLY until about age 50 when it really starts to
47 $46 65 $185 83 $907
take off.
48 $50 66 $203 84 $968

FACT #4 – The premiums you pay for term life insurance never come back to you. You see
term insurance is kind of like renting an apartment. Certainly cheaper every month than
buying a house, but when you leave you leave all your hard earned money with your landlord.

FACT #5 – At some point in time, you’ll look at your monthly premium for your term life
insurance and say, “I just can’t afford this any longer.” It usually happens just about the time
you retire and your income is going down a little and the cost of your life insurance is
rocketing through the roof! Check the premium at AGE 71… WOW!

Could be a problem, don’t you think?

At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe
the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids,
spouse, your church… could be a hundred different reasons. The problem is that if you want
to keep your insurance, you probably can’t because it’s just become too expensive for you.

Wouldn’t you like to have the option to keep it or not?

Page 2
 Let me show you how you can have that choice then by making a simple
decision today.
Get a small permanent life insurance policy today that
will give you options when you are older.
Here’s what permanent insurance can do for you.
1. Provides you with insurance you can keep for the rest of your life.
2. NEVER increases in premium.
3. Usually allows you to stop paying the premiums just about
the time you retire and REMAIN INSURED FOR THE
REST OF YOUR LIFE.
4. Sometimes you can even have the policy PAY YOU a
monthly income.
(I’ll include a few more for you at the end of this section…. Look or this
little guy again.

Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you.
But it fills a need when you’re young. Generally in your younger years 30-55, you’re financial responsibilities
are high. You have kids, house payments,
extra cars, college to pay for, on and on and If you haven’t already determined
on… how much insurance you need…
Usually, when you hit 55-60 or so, those Get your copy of
7 Things You Need To Know BEFORE You Buy Life Insurance
obligations are MUCH LESS! You don’t
need the amount of life insurance you needed just give me a call or drop me an email
when you were younger. The kids are out of Dennis Volz 619-670-1000
the house, you have fewer cars to “support”, Dennis@DennisVolz.com or go to
college is done, the house is paid for (or
www.6701000.com and to the
nearly so…).
RESOURCES Page.
BUT…. There will still be expenses to
handle when you die – Funeral, maybe some small debts to pay
off, or possibly you need to provide an income for your spouse So here’s a couple of help questions
at the loss of you retirement income. for you:
1. Do I want some life
The cheapest way to pay those expenses is ALWAYS WITH insurance in force when I
SOME LIFE INSURANCE. Much cheaper than drawing die? (probably yes)
money out of the savings account. 2. What’s my best guess of
when that will be? (let’s say
But here’s the problem with that… you guess 78)
3. How much do I want in place
If you need $500,000 of insurance coverage today because your at that time?
obligations are still in the fast lane, you probably can’t really Whatever your answer is for
afford to buy all of your life insurance as PERMANENT question 3, THAT’S how much
insurance. permanent insurance you should
have. Consider term insurance to
Page 3 fill the rest of your needs.
$500,000 or permanent insurance would cost you at least $300-$400 per month.

And here’s the answer….

Get the term insurance you need to cover your obligations
today. Get a small amount of permanent insurance to keep
for the rest of your life – maybe $50,000 or $100,000. Drop
the term insurance when it gets too expensive and keep the
permanent insurance.
Life insurance is the ONLY kind of insurance you buy
where you’re GUARANTEED to make a claim. Your term
insurance may or not be in force when you die. Your
permanent insurance will be.
And here’s the real rub! TERM insurance is usually
only renewable to a certain age and, as we’ve already seen,
then it gets VERY expensive. Even if you decide to pay the
additional premiums, you may live longer than the policy
can be renewed.
2 BIG REASONS
TO BUY INSURANCE WHEN
YOU”RE YOUNG
(even before you may really need it…)
1. Life insurance is cheaper when you’re
younger. On the permanent portion of
your insurance plan, the longer you put
your money to work for you, the better
the result!
2. When you’re young, you’re insurable.
When you’re older; maybe you’re not.
We’re all just one doctor visit away from
NOT being able to buy life insurance. If
you’re diagnosed with even a minor
ailment the cost of your life insurance
can go up dramatically and in some cases,
you won’t be able to buy it at all.

Here’s some more benefits of permanent

insurance if you choose UNIVERSAL LIFE as your policy:

5. Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay
your insurance premiums.
6. Your policy PREMIUMS are flexible which means that
if you hit a period of financial hardship you can
actually STOP PAYING for a short period of time and
continue to be insured.
7. You can adjust the amount of your coverage up and down depending on your changing
needs. (you’ll need to be insurable of course to increase the coverage unless you’ve
planned ahead by adding GIO to your policy. Good to get, but too much to explain here.
Ask me when I see you.)

So here’s all you need to do…

Page 4
Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a
day OR LESS, you can have the peace of mind that comes with owning a permanent insurance
plan that can make your life so much easier when you are older.

NO obligation, no pressure, just take a look then decide.

Just give me a call 619-670-1000 or drop me an email to

dennis.volz.b8t6@statefarm.com

I just need to know three things:

1. Your age
2. If you want $50,000, $75,000, or
$100,000 or permanent insurance (you
can choose any amount above $50,000 of
course, but most choose one of those
three.)
I’ll print out an illustration of your policy and meet with you for about 15 minutes and
then let you decide.

And just like the TV commercials tell you….

BUT WAIT ! ! ! ! THERE’S MORE!!!!!!!!

When it comes to buying life insurance, you should always deal with a LARGE, WELL-
KNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you haven’t heard of
them, be suspect. I guarantee you’ve heard of ours – we’ve been at it for over 75 years!
Today we have over 7 million life and annuity policies in force. Since 1929 we have been
protecting American families one policy at a time. Just go www.DennisVolz.com .

WOW! Kind of impressive!

I think so.

And it’s ALL included at no additional premium...

Page 5
 BUT WAIT ! ! ! ! THERE’S EVEN MORE ! ! !
We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. That’s right -- Doesn’t matter if
it’s a claim or a question. You simply call my office number, 619-670-1000 and you’ll have
access to our 24 Hour Customer Response Team and/or to my personal cell phone.

Should you need insurance help while away from home, we have over 1000 claim offices and
over 16,000 agent offices across the United States and Canada all committed to giving you
friendly, efficient home-town service (even if you’re from California ! )
BUT WAIT ! ! ! ! THERE’S MORE!!!!!!
We also offer free 24 hour online access to your policy information. Our company website
offers you more insurance information than your brain can possibly hold. It’s all available
with just the click of your mouse, 24/7/365.

You know what? There’s still more…just a little…

HERE IT IS….!
We’re a friendly, local office with a licensed, trained team to assist you in every phase of your
insurance. We’ve been in business here in San Diego County for over 25 years.
And, BONUS!
Whenever you call us during regular business hours, there’s NO ELECTRONIC TELEPHONE
MENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,
there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)
Go ahead. If it’s during business hours, you’ll get us; after hours and you’ll get the Customer
Response Center. 619-670-1000 !

“WOW”, you say!

“And that’s all included at no additional premium?”
YES!

ONE MORE…last one…. I PROMISE…

Page 6
WE’LL REVIEW YOUR ENTIRE INSURNCE PORTFOLIO whether it’s with us or not FOR FREE.
Face it! Life changes and your needs for insurance change right along with it. We’ll sit down
with you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in our
office, we’re glad to review your coverage ANYTIME YOU’D LIKE – Annually, semi-annually,
monthly, weekly… you ask for it, you’ve got it.
Sometimes it’s done when you change cars or when you move. Sometimes we do a little mini-
review on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more if
that’s what it takes. It’s all up to you…

This is so simple and easy to do.

We do all the work for you and in usually less than 30 minutes, you’ll have
protected your family, their future financial stability, and your peace of mind!
Why somebody wouldn’t have their LIFE INSURANCE with us is simply beyond me.

BUT LET ME MAKE A LITTLE EASIER FOR YOU…

In our agency we offer you 5 different ways to pay your premiums. You have your choice of
annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY…
“So what’s so special about SPECIAL MONTHLY,” you might ask.
It’s special cuz it’s just so insanely easy.

We set it up for you and your monthly payment comes right out of your
checking account: Same day; Every month.

So, here’s what you get…

 A FREE, simple process to help you decide if you need any life insurance and, if you do, to help
you get just the right policy for YOUR needs.
 A financially strong, been-around-forever Insurance Company (well, since 1929 anyway…)
 24 hour and nationwide customer service for claims or questions
 Online access to your policy information
 A local office with a trained team to help you (and NO MENUS WHEN YOU CALL)
 A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF YOUR
COVERAGE
 Payment options to fit any budget
 We’ll walk you thru the whole process (probably will take less than 30 minutes)
 Confidence that you’re buying the insurance you need: NOTHING MORE, NOTHING LESS

And yep, you guessed it…

Page 7
 All included for no additional premium…

If you’re still not sure let me make it even easier….

Believe it or not, I’ll
PAY THE COST TO COME TO MY OFFICE with some…
FREE GASOLINE
That’s right….

As a small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a
pre-paid gas card.

If you’re still not sure let me make it FUN….

Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk
you thru the whole thing step by step, but I’ll also give you a little bonus for the drive home with a

FREE Latte from Starbucks…

As another small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give
you a pre-paid Starbucks Card on top of EVERYTHING else…

I know…just too good to be true…. BUT IT IS ! ! ! !   

And yep, you guessed it…

It’s all included for no additional premium…

It just doesn’t get any better -

OR EASIER - than that…

Page 8
 You’ve got everything to gain and NOTHING to lose.
I look forward to talking with you soon!

Sincerely,

CALL me (619-670-1000),
Dennis Volz FAX me (619-670-1121),
10783 Jamacha Bl, Suite 1
Dennis@DennisVolz.com or go to
Spring Valley, CA 91978
619-670-1000 www.6701000.com and to the
RESOURCES Page.
This letter contains only a general description of coverages and is
not your insurance contract. Details of coverage or limits can vary.
All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
ALL RIGHTS RESERVED. Copyright (c) 2006 – SmarterInsurance Inc -- No part of this document may be reproduced in any form,
or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made to
verify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Since
this document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, and
personal circumstances.

Page 9