At JP Turner investing is only half of life-long planning. Protecting your assets from accidental death or disability is a key factor when it comes to your retirement savings and your family's financial well being. Protecting your JP Turner portfolio is critical because unexpected costs can jeopardize your finances no matter how much you've planned and saved for emergencies.

As of November, 2007, JP Turner & Company offers a wide range of insurance options and can walk you through the different types to help you choose the ones that address your needs.

• Turner Disability Insurance - Disability insurance can provide income for you and your family when you're unable to work because of a short-term or long-term disability.



• JP Turner Life Insurance - Life insurance can help you protect the financial security of your family in the event of your death.



• JP Turner Long-Term Care Insurance - Long-term care insurance can help you preserve your retirement savings and other assets from the high costs of long-term care.



• JP Turner Term Insurance – Term life insurance provides a death benefit if the insured dies. Term insurance does not accumulate cash value and ends after a certain number of years or at a certain age.



• JP Turner Universal Life Insurance – A type of life insurance that combines a death benefit with a savings element, which accumulates tax, deferred at current interest rates. Under a universal life insurance policy, the policyholder can increase or decrease his or her coverage, with limitations, without purchasing a new policy.



• JP Turner Variable Universal Life Insurance – A type of life insurance that combines a death benefit with a savings element that accumulates tax deferred at current interest rates. Under a variable universal life insurance policy, the cash value in the policy can be placed in a variety of sub accounts with different investment objectives. The policyholder can transfer funds among the sub accounts as he or she wishes. Transfer fees are charged after a certain number of transfers. Other fees may apply. The variable sub-accounts are subject to market risk, including fluctuating returns and possible loss of principal; therefore, the cash value may be worth more or less than the original investment.



• JP Turner Whole Life Insurance – A type of life insurance that offers a death benefit and also accumulates cash value, tax deferred at fixed interest rates. Whole life insurance policies generally have a fixed annual premium that does not rise over the duration of the policy. Whole life insurance is also referred to as “ordinary” or “straight” life insurance.

At JP Turner, we find a strategy that addresses your needs. Your need for insurance and how much you buy should be based on your financial circumstances. That’s why it’s important to analyze your personal situation to find a strategy that makes sense for you. Your JP Turner representative and your tax advisor can help find an appropriate mix based on your personal needs.