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LIFE INSURANCE, COLLEGE SAVINGS, RETIREMENT INCOME, ANNUITY 


RIJU R. SAM

At your service from 2009




 818-275-1019

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INSURANCE AND ITS IMPORTANCE

Insurance is a social device for spreading the chance of a financial loss among
a large number of people. The insurance company or insurer receives small
amounts of money, referred to as "Premium", from each of the large number of
people buying insurance. Thus, a large uncertain loss is traded in this way for
a small certain loss, "the premium". By purchasing insurance, a "person" shares
risk with group of others there by reducing the individual risk of a disastrous
financial loss. 

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IS YOUR AGE AND HEALTH AT YOUR CONTROL?

Life Insurance premiums increases with Age. If a health problem occurs before
you obtain coverage, you could face higher premium or be denied coverage
entirely. Before the policy is issued, insurance companies reviews
the Height-Weight Ratio, Medical Records, Tobacco / Alcohol / Drug Usage, Doctor
Reports, etc. It is wiser and cheaper to get life insurance coverage when you
are young and healthy.


INSURANCE FROM WORK - FOR HOW LONG?

Most policies from work are annually renewable and have limitations or
restrictions. Work policies may get cancelled if you quit, lose your job,
retire, or if your employer cancels the coverage. With a life insurance
(individual policy) outside of work you don't have to worry about
those uncertainties. 




MOST VALUABLE ASSET - CAR, HOME, INCOME?

A person who earns $100,000 a year and works for the next 30 years, will earn a
total salary of $3 Million. Without a doubt, this $3 million asset is probably
greater than the value of any other asset they own. You insured your car, home,
and other investments. Is your income (your most valuable asset) insured?




MIX & MATCH STRATEGY

Combine policies to provide lifetime insurance, critical, chronic and terminal
illness coverage, return of premium, guaranteed lifetime income, etc. Get better
coverage and policy riders at a lower cost. I represent over 20+ companies, and
have access to over 200+ insurance and savings plans to choose from.





"TRIPLE COMPOUNDING" 

Ask for savings policies that grow "tax-deferred" and benefits from the power of
TRIPLE COMPOUNDING. That is you earn interest on your principal, you earn
interest on your interest, and you earn interest on the money you would
otherwise have paid taxes on the interest received. Get Market Returns WITHOUT
the market risk with a MINIMUM guaranteed interest rate.


LIFE INSURANCE YOU CAN USE WHILE LIVING 

Living benefits pays a portion of the life insurance early, when the insured is
alive, but is critical, chronic, terminally ill or, if the insured is
permanently confined to a nursing home. Thus this policy protects the family
with Life Insurance and protects and pays the insured with "Living Needs"
coverage.




COLLEGE SAVINGS - WHOLE LIFE INSURANCE VS 529 PLANS

Whole Life plans have attractive interest rates, regular dividends and no
downside market risk. That’s right, zero risk. Whereas many college savings
plans are subject to stock market risks. Life insurance cash values are not
presently disclosed on the Free Application for Federal Student Aid
(FAFSA). Consider investing "a portion" of your savings into a Whole Life or
Indexed UL because it has a minimum interest rate guarantee, gives guaranteed
benefits, protects against market risks, may give life time income,
is FAFSA invisible, is somewhat creditor proof, accessed and transferred tax
free, PAYS YOU (the insured) for Terminal Illness, Chronic Illness and Critical
Illness conditions while living (during working years) and provides a death
benefit to safeguard your family?


RIJU R. SAM

Life Insurance, Retirement Income, Pension Savings Plans

At your service from 2009 - Served 100's of clients across America

CA Lic: 0G49979                                     Representing 20+ Companies -
Over 200+ Insurance Policies

Life Insurance    Term (35-30-20-15-10 years)       Return of Premium Term     
           Whole Life

Univeral Life (Indexed and Guranteed)                 Disability Income
Insurance           Health Insurance            Retirement Income and Savings
plans                   Pension plans for Business  Owners / Self Employed

Employee Benefits         Worksite Insurance          Business Owners Buy / Sell
Policies

Fast and Easy Electronic Application process

RIJU R. SAM    Life Insurance & Retirement Plans  Licensed Agent   CA Lic:
0G49979  

Tel: 818-275-1019  Email: insurance@rijursam.org


PRIVACY POLICY

Disclaimer: The information contained in this website are for illustrative and
educational purposes only. Policy coverage under any insurance policy is
expressly subject to the conditions, restrictions, limitations, exclusions and
terms of the policy documentation issued by the insurer. Availability of this
program is subject to each state's approval and coverage may vary by state.
Product terms, conditions, and exclusions not described in this web site may
apply. All quotes and rates are for illustration purposes only. Actual premiums
and coverage will be based on age, gender, health history, certain underwriting
criteria, state of residence, medical exam and tobacco usage. All guarantees are
based on the claims-paying ability of the insurer. While we use reasonable
efforts to include accurate and up-to-date information, we make no warranties or
representations regarding insurance policy features as insurance companies may
change their product, rider features, state availability, coverage conditions,
etc at any time with or without notice. Please ask about your state
availability, issue conditions and exclusions of a particular insurance product
before any insurance policy is purchased. 


ACCESSIBILITY STATEMENT

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