Susquehanna Insurance Management, Ltd. offers you the personal service and undivided attention to define your needs … and create the plan that is right for you.

We can help you with the decisions - browse our services below and contact us with your questions.

Life Insurance
Have you taken some big steps in life? Gotten married? Purchased a new home? Starting over again? Whatever stage of life you're in, considerations need to be made for the future.

Life insurance provides protection for those you love when you can't be there.

A plan through Susquehanna Insurance Management, Ltd. helps avoidfinancial loss, in case you or any provider in your family dies prematurely or unexpectedly.

Additionally, life insurance helps to cover debt obligations in regards to:

• Car loans
• College loans
• Credit card debts
• Estate planning
• Home equity loans
• Mortgages

Susquehanna Insurance Management, Ltd. offers several types of life insurance. Our representatives will be happy to work with you to define the right one for your particular needs.

Permanent:

• Access to cash values
• Policy guarantees
• Potential retirement income
• Protection for your entire life

Term:

• Covers a specific need
• Generally lower premiums
• Protection for a specific time period

Universal:

• Access to cash value
• Flexible coverage amounts
• Flexible premiums
• Flexible term
• Guaranteed interest rates in a tax-deferred vehicle
• Opportunity to accumulate cash value
• Tax-deferred savings account that earns interest at competitive rates

Annuities
Annuities provide monthly payments in the future, based on the terms of the annuity contract. The amount of the annuity payment is affected by:

• Financial strength of the Insurer
• The investment choice of the insured
• Premiums or investments
• Rates and Annual Fees

Individual Retirement Accounts
There are two types of Individual Retirement Accounts (IRA's): conventional IRA's and Roth IRA's. In both types, a wage earner or self-employed person (or spouse) makes contributions to the IRA and later, usually during retirement, receives payments from the fund (both principal and interest).

With conventional IRA's, the usual arrangement is for the contributions into the account to be deducted from taxable income in order to reduce current income taxes. Later, when withdrawals are made at or after the age of 59 ½, the full amount of the withdrawal is taxable, but income tax rates are often lower during retirement.

With Roth IRA's, contributions to the account are made from income already taxed, so the withdrawals from the account after the age of 59 ½ are not taxed.

Long-term Care Insurance
According to government figures *, nursing home costs can add up to more than $50,000 annually - and may triple in the next 20 years! Are you prepared?

Long-term care insurance is much more affordable than out-of-pocket costs for nursing home care or home health care. You can choose the best long term care insurance for you or your loved ones - and prepare for home health care or nursing home care. Either way, you and your family will save money with long term care instead of solely paying a nursing home.

Your coverage and premiums can be adjusted to match your budget.

• Daily benefits ($30-$250)
• Elimination/Deductible period (0, 7, 20, 30, 50, 60, 90, 100, 180, 365)
• Home health care benefits
• Inflation protection (5% simple or compound increase)
• Length of coverage (1-7 years, or lifetime)

Long-term care insurance is a valuable investment…especially with longer life expectancies and skyrocketing costs. Your coverage investment now is a wise decision! Call the Susquehanna Insurance for more information (717-290-7780 or toll-free at 800-826-2579.)

* Projected Needs of the Aging Baby Boomers, General Accounting Office, 6/91, GAO/HRD-91-86, p. 12 (supported by Health Care Financing Administration's current projection of 5.8% for 1993-2007 in "The Next Ten Years of Health Insurance Spending: What Does The Future Hold?,") Health Affairs, September-October, 1998, p. 136

Which one is right for you? Let Susquehanna Insurance financial professional help you decide.
Contact us via our on-line form or give us a call.