Disability Insurance Are You Protecting Your Most Valuable Asset? That's You! What is your most valuable asset? If you said your house or your car or your investments, you'd be wrong. Your most valuable asset is YOU. More to the point, it is your income-earning potential, sometimes referred to as your Human Life Value. Your Human Life Value is based on the concept that, in many respects, you are a money machine. Not very flattering, perhaps, but nonetheless true. Each week, each month, year after year, it is the income produced as a direct result of your work that keeps the economic wheels of your household turning smoothly. Your income guarantees that the bills are paid, college tuition's provided, your family's lifestyle maintained . . . that, each and every month, the money is in the checking account to pay the mortgage, auto and other loans, buy clothes and put food on the table. What is your Human Life Value? Probably a lot more than you think. Here is a simplified rule-of-thumb way to calculate how much you are worth as a "money machine" to your family: simply multiply your present annual income by the number of years until you plan to retire. What is your Human Life Value? Current Annual Income: $ Years Until Planned Retirement: Your Current Human Life Value (Multiply Lines 1 &2): Example: If you are 38 years old, plan to retire at 65 and have a current annual income of $45,000, your Human Life Value is $1,215,000 ($45,000 x 27 years to retirement). Keep in mind that this is your minimum financial value, based on the assumption that you live and remain healthy. It does not factor in (1) inflation or (2) real dollar increases in your income over time. So, your actual value is probably a great deal higher! Still, this amount does give you some idea just how much you are worth to your family. To arrange for an initial complimentary meeting with one of our advisors, please call us at (845) 876-1919. MLevy@FinSerCtr.com Ph.  845 - 876 - 1919 Fax: 845 - 876 - 0651 3944 Rte. 9G, Red Hook, NY 12571