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HILLS OUTLOOK 1 Life Insurance Who needs it How much The vast number or Canadians who own life insurance reveals an Important national characteristic we want to control our finan cial independence while at the same tunc providing security for our families Today more than million Canadians have life insurance polices Taking into account the beneficiaries of these plans il is apparent that insurance af fects all Canadians in one way or another Were also avid consumers of life insurance per in dividual or roughly per household After the Japanese and Americans Canadians are the third most insured people in the world Phenomenal growth What makes this all the more interesting is that the phenomenal growth in life insurance in our country comes at a time when governments have increased social security programs and more members of our workforce are coming under the umbrella of some type of pension plan In spite of these trends an in creasing number of Canadians want to set their own financial goals Life insurance can help them achieve these goals not only through the death benefits with which most consumers arc familiar but also through the other options offered by many life insurance companies In Canada of benefits paid are received by living policyholders usually after retirement the remaining are as death benefits Thus the function of life in surance Is twofold to protect dependents financially when a family member dies and to pro vide a good quality of life for the living both now and in the future At first glance the range of choices in insurance may seem overwhelming An initial step in selecting the proper plan for you is to ask What do I want the policy to do for me How much will my require How long will need this coverage Determining the exact amount of life insurance protection you need can be a very complex task This is the area where a in surance professional can play a very important role as a financial counsellor Expense coverage What are some of the expenses which a life insurance policy can help you meet With a well planned compre hensive insurance portfolio you can have funds to cover the following Immediate cash for many of your final expenses the costs associated with bunal and a last illness possible laywers and ex fees taxes owed to pro vincial and federal governments and outstanding debts such as mortgages credit card balances and other loans Replacement income for a readjustment period of at least one or two years while someone else in the family probably your spouse is retrained or searches for a job to replace you as the pri mary income earner 3 A stable income during the familys most vulnerable time when children are growing up and totally dependent on parental re sources Tuition fees for college or professional training so that your children acquire valuable tools to enter the workforce 5 Income for the years between when your youngest child be comes independent and your spouse having little or no in dependent income reaches retire ment age A retirement income for your spouse to supplement gov eminent social and pension funds For the living With all this talk of death benefits one can easily forget that life insurance is also for the living providing valuable income for re tirement Numerous parents and grandparents have used the cash values to cover the cost of their childrens or grandchildrens education or weddings And when children have grown and a family does not require as much financial protection as before such cash values can be used to purchase an annuity which pro vides permanent income for you or your spouse A well- trained agent can help you determine the level of life in surance protection your require bearing in mind your short and long term financial requirements Ask a friend relative or business associate to personally mend a qualified life insurance professional SPECIAL PRICE Slnflte Prima 3HsS 12exp S 15 24q 898 36 op 1198 FREE Double Prints Ax5 or Double Size 57 wttfa coupon yaa CAN YOU 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