Make a Fresh Start to 2017 With the Right Life Insurance Policy For You &Your Family!

1. NIKKI KARDAR - FARMERS INSURANCE AGENT MAKE A FRESH START TO 2017 WITH THE RIGHT LIFE INSURANCE POLICY FOR YOU &YOUR FAMILY! http://nikkikardarinsurance.com/

2. NIKKI KARDAR - FARMERS INSURANCE AGENT PREPARE YOUR FAMILY AND LOVED ONES FOR LIFE'S UNCERTAINTIES WITH LIFE INSURANCE We have left 2016 and it’s time to turn a new leaf with the start of a New Year. But, how can we ensure we start 2017 on the right foot? – By getting the right life insurance policy for you and your family!

3. NIKKI KARDAR - FARMERS INSURANCE AGENT Understanding Life Insurance Life insurance is protection against financial loss resulting from insured individual’s death. In realistic terms, life insurance provides you and your family the financial security and certainty to deal with the result of any unseen unfortunate events. So, it’s important for you to understand life insurance basics and familiarize yourself with the various life insurance policies and make an informed decision.

4. NIKKI KARDAR - FARMERS INSURANCE AGENT TYPES OF LIFE INSURANCE: A. Term Life Insurance B. Universal Life Insurance C. Whole Life Insurance Term Life Insurance is limited to 10, 15, or 20 years and the premiums are guaranteed only for that period of time. Universal Life Insurance is a flexible permanent insurance policy that allows the insurer to increase or decrease their coverage or premium over time. Whole Life Insurance is a permanent insurance that provides lifetime coverage. The premiums are fixed and build cash value.

5. NIKKI KARDAR - FARMERS INSURANCE AGENT Benefits of Buying Life Insurance In the event of an insurer’s death, a life insurance policy could help: • Provide an emergency fund to handle an unexpected financial crisis. • Distribute money to insurer’s beneficiaries. • Provide sufficient funds to the surviving spouse for the rest of his or her life. • Pay off the mortgage so that insurer’s house is free and clear of debt. • Provide additional coverage that covers housekeeping and children’s study expenses. • Pay for the final expenses of a funeral or estate settlement costs. • Provide coverage for settling insurer’s personal debts.

6. NIKKI KARDAR - FARMERS INSURANCE AGENT Risk Factors That Affect Life Insurance Premiums There are many risk factors that determine whether you will be able to buy a life insurance policy and how much it will cost. These risk factors include: Age Gender Height & Weight Medical record Personal habits (smoker, drinker, drug use) Occupation Amount of coverage required

7. NIKKI KARDAR - FARMERS INSURANCE AGENT HOW TO CHOOSE? The Best Life Insurance Policy Choosing the right type of life insurance can be confusing, but it’s also an important decision that you can’t afford to get wrong. The key to finding the best insurance plan is: • To understand the needs of you and your family. • Comprehend the individual policies of competing life insurance companies, i.e., the charges and deductions of the insurance company, and fees & expenses of the mutual funds/assets invested in. • Select the policy that gives you maximum benefit at the lowest possible cost to you.

8. NIKKI KARDAR - FARMERS INSURANCE AGENT FINANCIALLY KICK-OFF 2017 WITH NIKKI KARDAR! Nikki Kardar is a certified Farmers agent located in Chino Hills, CA, who believes in helping people identify and select the right products that best fits their insurance needs. Let her help you save money and safeguard your family’s financial future.

9. Take on the New Year with financial confidence. Protect your family and loved ones with Life Insurance. To get your personal liability life insurance quote in Chino Hills, CA, visit http://nikkikardarinsurance.com/ If you prefer to talk to us in person, just give us a call at (818) 264-3344 You can also find us on Facebook Twitter Google Plus