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WHAT ROLE DOES INSURANCE PLAY IN PROTECTING MY ASSETS?When we think about saving and building a strong financial foundation, we often forget about the value of protecting those assets. One way to protect those assets is through insurance. We remember to insure our homes and our vehicles, but we often forget to cover our most important asset—our ability to earn a salary. Remembering to plan for the unexpected today may help you avoid unpleasant surprises in the future. Article: The Role of Insurance in Your Financial Plan Choose the type of insurance.Life InsuranceCovering yourself in the event of your death could benefit your loved ones and your estate. You have a choice of permanent insurance to last your lifetime or term insurance that is good for a specified period of time. Depending on your policy, your benefits will vary—from covering funeral costs and medical bills to paying any outstanding debts. Article: Buying Life Insurance: What Kind and How Much? Long-Term DisabilityDid you know that the chance of you becoming disabled is greater than the chance of you actually losing your life during your work years? Because becoming disabled due to illness or injury is unexpected, having a plan in place in the event that you are unable to return to work may make your financial life easier in the long run. We offer a variety of insurance information and products to help you make wise decisions. Contact a Wachovia Financial Advisor to help you reach sound decisions on banking, investing, insurance and loan products. Locate a Financial Advisor at a Branch Near You Insurance ConsiderationsJust having insurance isn’t enough—you need to have the right type and the right amount. Whether you’re looking at a life insurance policy or an annuity, you need to assess your needs. Choose wisely.In order to make smart decisions, you may want to work with a Financial Advisor to help you with policy coverage and premiums. But don’t forget about assessing the tax implications for yourself and any beneficiary that you name. The most important benefit to insurance is the peace of mind that you receive. Locate a Financial Advisor at a Branch Near You Plan for your specific life stage.Depending on what stage of life you’re in, you face different challenges. Anytime your responsibilities increase—marriage, children, college, buying a home, divorce, or retirement—you should determine if your current insurance and investing needs have changed. Article: Investing Through Life’s Stages
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 Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC. Insurance and annuity products are offered through non-bank affiliates of Wachovia Corporation and are underwritten by unaffiliated insurance companies. Only deposit products are FDIC-insured. Member FDIC Personal Finance Login
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