FARM BUREAU
712.276.2856
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Get The Facts
T
hink about this: The annual cost of a 20-year,
$250,000, level term life policy for a healthy 30-year
old consumer is roughly $150 a year, but according to
a new LIFE Foundation and LIMRA study Americans
estimate the cost at $400.
@FBFS
AgentSteveCloud.com
income and allow your spouse to continue the retirement
lifestyle you planned.
As your circumstances change, it’s a good idea to review
your life insurance plan. Ask your agent how different types
of life insurance can create an affordable plan that protects
you and your family.
Don’t let common misconceptions about life insurance
keep you from securing adequate coverage. The truth is
that regardless of your stage in life, you likely have a need
for life insurance.
Tips brought to you by Farm Bureau Financial Services.
For more information about products and services, call
Steven Cloud at 712.276.2856.
Just starting out
Whether single or married, if you have debt from college
or a mortgage, life insurance can ensure you don’t pass
on that burden. Life insurance benefits can eliminate
the worry about paying final expenses, or keeping the
mortgage or other debt payments current.
Securities & services offered through FBL Marketing Services, LLC+, 5400
University Ave., West Des Moines, IA 50266, 877/860-2904,
Member SIPC. Farm Bureau Property & Casualty Insurance Company+*,
Western Agricultural Insurance Company+*, Farm Bureau Life Insurance
Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm
Bureau Financial Services
Affordable family protection
When children are part of your family, life insurance
becomes even more important. The right life insurance
policy can ensure your children will be provided for
from the time they are small through college age or their
lifetime, depending on the policy.
Peace of mind
for life.
Single doesn’t mean alone
For single parents, life insurance can be even more
important than for two-parent households. Some
singles may provide care for aging parents or other
family members. With adequate life insurance, you can
help ensure your loved ones’ care and medical costs are
covered, should something happen to you.
Ensuring financial security for you and those you care about
most is more important than ever. Life insurance can help provide
that security, along with guarantees1 and peace of mind.
Call to learn how I make it simple
to help secure your family’s
financial future.
Empty nest offers room to grow
Your kids may be out of the house, but you likely still
need life insurance to replace lost income now and in
retirement if the unthinkable happens. Plus, while the
house is “empty,” you may still wish to help your kids
with college or pay for a wedding.
Steven Cloud
1959 South St Aubin
Sioux City
(712) 276-2856
Financial safety net
Did you know that some pension plans cease paying
upon your death? And for retired couples who are both
receiving Social Security benefits, the lower of the two
payments will end following the death of a spouse. You
can count on life insurance to replace these sources of
7| KSCJ.com
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The guarantees expressed are based on the claims-paying ability of Farm Bureau Life Insurance Company. Farm
Bureau Property & Casualty Insurance Company,* Western Agricultural Insurance Company,* Farm Bureau Life
Insurance Company*/West Des Moines, IA. *Company providers of Farm Bureau Financial Services LI065
(8-15)
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Healthy, Wealthy & Wise