Spring 2009 Newsletter
 

Jack Moran/Leon Zelikovitz
Assure-All Associates
Term Life Insurance Specialists***

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204-100 Craig Henry Drive Ottawa, Ontario K2G 5W3
Phone 613-728-2231 // 877-608-9991
Fax: 613-792-4230 // 866-284-7587
Email: jack@assure-all.com // leon@assure-all.com

Report #1:
How to Avoid Overpaying for your Life Insurance
    (Life insurance secrets the big companies hope you never learn)
 

Report #2:
How to Avoid Financial Disaster when struck down with a Critical Illness
 
Either of the above reports is yours for the asking.  Just check off the report that you would like mailed or visit our web site and print it out yourself at www.Assure-All.com

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We can also provide you with information on any of the following topics at no cost to you:

• Mortgage Insurance
  
• Joint Last-to-Die Life Insurance
  
• Disability Income Benefir
  
  

Call us toll free for any of the above information at 877-608-9991
 
Remember: Assure-All Associates are on your side for life!

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For Those Who Thought They Knew Everything.
Here’s a Refresher Course.
 

• The liquid inside young coconuts can be used as a substitute for blood plasma.
  
• No piece of paper can be folded in half more than seven (7) times.
  
• Donkeys kill more people annually than plane crashes or shark attacks.
  
• You burn more calories sleeping than you do watching television.
  
• Oak trees do not produce acorns until they are fifty (50) years of age or older.
  
• The very first product to have a bar code was Wrigley’s gum.
  
• The King of Hearts is the only king in a deck without a moustache.
  
• American Airlines saved $40,000 in 1987 by eliminating one (1) olive from each salad served in first-class.
  
• Venus is the only planet that rotates clockwise. (Since Venus is normally associated with women, what does that tell you?)
  
• Apples, not caffeine, are more efficient at waking you up in the morning.
  
• Most dust particles in your house are made from dead skin.
  
• The first owner of the Marlboro Tobacco company died of lung cancer. So did the first Marlboro Man.
  
• Walt Disney was afraid of mice.
  
• Pearls melt when immersed in vinegar.
  
• The three most valuable brand names on earth are; Marlboro, Coca Cola and Budweiser, in that order.
  
• It is possible to lead a cow upstairs but not downstairs.
  
• A duck’s quack doesn’t echo and no one knows why.
  
• Some dentists recommend that a toothbrush be kept at least six (6) feet away from a toilet to avoid airborne particles resulting from the flush. 
  
  

Now You Know Everything!!
 
Wait -- before you go---
Anyone know the main ingredient of WD-40?
               It might surprise you.
 This amazing product began from a search for a rust preventative solvent and de-greaser to protect missile parts. WD-40 was created over 50 years ago by three technicians at the San Diego Rocket Chemical Company.
 
Do you want to know what else WD-40 is  good for?
 

• Protects silver from tarnishing.
  
• Removes road tar and grime from cars.
  
• Gives floors that ‘just-waxed’ sheen without making them slippery.
  
• Removes lipstick stains.
  
• Loosens stubborn zippers.
  
• Untangles jewelry chains.
  
• Removes stains from stainless steel sinks.
  
• Removes dirt and grime from the BBQ grill.
  
• Removes tomato stains from clothing.
  
• Keeps glass shower doors free of water spots.
  
• Keeps scissors and garden shears working smoothly.
  
• Lubricates noisy door hinges.
  
• Removes black scuff marks from the kitchen floor.
  
• Gives a children’s playground gym slide a shine for a super fast slide.
  
• Rids kid’s rocking chairs and swings of squeaky noises.
  
• Spraying an umbrella stem makes it easier to open and close.
  
• Lubricates tracks in sticking home windows.
  
• Restores and cleans padded leather dashboards in vehicles as well as vinyl bumpers.
  
• Restores and cleans roof racks on vehicles.
  
• Lubricates and stops squeaks in electric fans.
  
• Cleans and removes bug mess from grills and bumpers.
  
• Removes all traces of duct tape.
  
• Removes spattered grease on stoves.
   
  

PS ... the basic ingredient is Fish Oil!!

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Spring 2009 Newsletter

Jack Moran/Leon Zelikovitz
Assure-All Associates
Term Life Insurance Specialists

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In 2007 our Spring newsletter suggested that the ‘Term 100’ life insurance plan was going to disappear!
 
We still stand by that.
 
While it’s taking a bit more time than we first thought it will definitely happen.  The fact is that most insurance companies have already stopped offering it. Out of over 25 insurance companies in Canada only 7 or 8 continue to sell it.

But, you ask, why would they want to stop selling such a great product?

The reason is cost!  Insurance companies are required to hold more funds in reserve for a Term 100 type of plan than either a Whole Life or Universal Life plan—about 300% more!  On top of that people tend to hang on to their Term 100 plan longer and don’t surrender it as early as they might with a Whole Life or Universal life plan.

What are we talking about?
What we’re referring to is a long term policy called ‘the Term 100’ (in comparison to the more familiar short-term policies like Term 10 or Term 20 which the majority of policyholders normally outlive).
 
 A Term 100 policy provides coverage for the life of the policyholder no matter how long he or she lives.  [Thus the name Term 100.]  And the cost per month (or year) NEVER changes.  It’s permanently fixed.
 
Why should anyone care if it’s gone??
 
You would probably care if you’re interested in a policy where:

• It pays no matter when death occurs
  
• The cost of a 10/20/30 Term policy becomes too expensive to renew
  
• You reach an age when large  amounts are not needed except for a few outstanding debts and ‘last’ expenses
  
• If you own a 10/20 year term policy and are no longer insurable (Cancer, heart disease, etc.) you can convert all or part of that policy to a Term 100 – depending on the company you are insured with.
  

So why not look into investing in a T100 policy before it’s too late?

That’s where Assure-All Associates come in. Contact us and we’ll give you a free estimate of what it would cost you to invest in a T100 policy or to convert what you have into one.  And there’s never any obligation either.