K & N Enterprises

• Are you WISHING or PLANNING for financial success at retirement?
• Are you uncomfortable with the fluctuation, or lack of growth, in your IRA or 401(k) plan?
• Do you feel like you don't have enough, or any, discretionary funds available to start a financial program?
  

• That there is a financial product available that allows your money to grow with the upside potential of the American Economy,yet has NO down-side risk?
• Out of every 100 people age 25 by the age 65...¹
  • 16 are dead,
  • 70 are financially dependent ¹ , and
  • 14 are financially independent.
• After September 11, 2001 the US Justice Department calculated compensation to meet the needs of families of victims from the terrorist attacks. The goverment recommended approximate payments of:
  • 12 times income for couples with no children.
  • 20 times income for households with children.²
• One third of U.S. adults have no life insurance coverage at all.³
• In fact... the average single death claim paid by the insurance industry in 2003 was $12,668.⁴
• A sound plan can add more to your net worth than a lifetime of work.

¹Social Security Administration, Office of Reasearch & Statistics, May 2006 - Income of the population of 55 or older table 31, 2006 Bureau of Census, April 2006. We assume financial dependence is income less than $50,000.

²LIMRA International, U.S. Marketplace Individual Financial Product News, Would You Believe 25 Times Income, James O. Mitchell, September 2002

³Trends in Life Insurance ownership among U.S. Individuals, LIMRA 2005

⁴Table 5.9 "Payments to Life Insurance Beneficiaries, by Year" as shown in the 2006 Life Insurance Fact Book from the ACLI.