We will be continuing our fundraising collaborative with Branch Street Coffee Roasters in Boardman. When you stop in and order a cup of Guatemala coffee $.25 will be donated, and $1 from bagged Guatemala coffee beans. The Moliterno Insurance agency will then match dollar for dollar in donation from Branch Street.

We will also be giving out free coffee vouchers when you refer* a friend, family, or neighbor to our agency. If you have not previously received a quote from our agency you can be eligible just by requesting a quote for yourself.

Referrals can be made Online or by calling us at 234-254-5660

Every kid (and kid-at-heart) needs play and companionship just as much as they need bedtime and green vegetables.

The Walnut Grove – Field of Opportunity gives people of all abilities the chance to play and have fun with family and friends. It’s like love, sunshine and spinach all juiced together.

*qualified referrals must be willing to accept a call/email from the Moliterno Agency, and must complete a quote to be eligible for the free gift. No purchase necessary.

The post Help us support The Walnut Grove first appeared on Moliterno Insurance & Financial Services.

The post Help us support The Walnut Grove appeared first on Moliterno Insurance & Financial Services.

How much life insurance you need depends on your individual needs and your financial objectives for your family. While life insurance cannot replace you, it can provide the funds to:

• pay final expenses
• replace all or a portion of your income
• keep your family in their home
• establish a college education fund
• cover financial emergencies
• provide a child and/or home care fund

How much life insurance is enough?

This question is best answered through an analysis of your family and financial situation, as well as your financial goals and objectives.

What is the best policy for you?

All life insurance falls into one of two categories of coverage. Each category has certain characteristics that make it more suitable for certain needs:

1. Term Life Insurance

• Provides temporary protection for the term of the policy.
• If the insured dies within the term period, the insurance company pays the death benefit.
• If the insured survives the term period, the coverage terminates.

2. Cash Value Life Insurance

• Provides lifetime protection, so long as the policy is kept in force.
• The insurance company pays the death benefit regardless of when death occurs, so long as the policy is kept in force.
• The policy accumulates cash values that can be used during the insured’s lifetime (withdrawals and loans will reduce the policy’s death benefit and cash value available for use).

We hope that by giving you some of the basics to the questions many of our clients have, that you will be more prepared to to make the decisions to protect your family’s lifestyle and financial future.

If you have any questions or would like more information please reach out to our staff of professional agents.

 VSA, LP The information, general principles and conclusions presented in this report are subject to local, state and federal laws and regulations, court cases and any revisions of same. While every care has been taken in the preparation of this report, VSA, L.P. is not engaged in providing legal, accounting, financial or other professional services. This report should not be used as a substitute for the professional advice of an attorney, accountant, or other qualified professional.

The post What Type of Life Insurance Should I Buy? first appeared on Moliterno Insurance & Financial Services.

The post What Type of Life Insurance Should I Buy? appeared first on Moliterno Insurance & Financial Services.