Rashaun Page

RJP INSURANCE GROUP IN NEW YORK CITY IS LOOKING FOR
FINANCIAL SERVICE REPS

Salary - $27,000 plus commissions
Benefits - Health/life/retirement plan

OUR AGENCY IS HOME TO NEW YORKS TOP INSURANCE AND
FINANCIAL PRODUCERS.OUR CLIENT LIST INCLUDES:
-ATHLETES
-CELEBRITIES
-FORTUNE 500 COMPANIES

JOIN US AND WATCH YOUR INCOME EXCEED SIX FIGURES WITHIN
1 YEAR.

Requirement:
Life insurance license

EMAIL YOUR RESUME TO: RASHAUNJPAGE@YAHOO.COM
(NO PHONE CALLS PLEASE)

WWW.RJPINSURANCEGROUP.COM

The simplest and least expensive form of life insurance
coverage is term life insurance. It provides death
benefit coverage at a guaranteed premium for a specific
period of time - usually 10 to 30 years depending upon
which product you choose.


Since premiums are low as compared to other types of
life insurance, term life insurance is ideal for new
families seeking economical protection.


While term life insurance doesn't include the
ability to accumulate cash value, it can help a family
maintain its lifestyle, cover college tuition and pay
off a mortgage in the event of the insured person's
death.


Who should consider life insurance?
Younger individuals and new families
Those seeking additional, inexpensive coverage to
complement existing policies
Someone seeking short-term coverage - for example, to
qualify for a business loan
Key benefits:
Affordability - for younger policyholders, it's
the least expensive life insurance coverage
Low risk - you know exactly what you're getting
with term life insurance
Adaptability - many policies allow you to convert to
universal life or whole life insurance policy at a later
date
How term life insurance differs from other life
insurance policies:
Provides protection only during the term of the policy,
then the coverage ends
Offers a death benefit only; does not allow for cash
value accumulation
Has a low premium that is guaranteed for a selected
period. At the end of the stated guaranteed period,
premiums generally increase significantly to keep the
policy in effect.

RJP INSURANCE GROUP
RASHAUN PAGE
PRESIDENT
WWW.RJPINSURANCEGROUP.COM
212-591-1292 LOCAL

Life insurance isn't just for you. It's for those who depend on you most. With the right planning, you can ensure that your loved ones will have the financial resources to go on living their dreams when you can no longer provide for them.

Death benefits received by your family might be used to provide adequate income for the family, pay off the mortgage on the family home, cover final expenses such as medical bills, and ensure that your children are able to go to college.

• Life Insurance Products
  • Term Life Insurance - Most economical type of life insurance; provides death benefit coverage at a guaranteed premium for a specific period of time.
    
  • Whole Life Insurance - Provides both a guaranteed death benefit and guaranteed cash value for a fixed, or guaranteed, premium amount.
  • Universal Life Insurance - A very flexible type of life insurance policy; provides both a death benefit and the potential for accumulating cash value, which may be accessed to fund future financial needs.
  • Variable Life Insurance - Provides similar flexibility as a fixed universal life insurance policy, except that the owner of a variable policy chooses where premium amounts will be invested in underlying investment portfolios.
    
  • Universal Life and Long Term Care Combination Product - Links the benefits of universal life and long term care insurance; this combination product provides a pool of benefit dollars for covered long term care expenses, a death benefit for beneficiaries, or both.

RASHAUN PAGE,PRESIDENT

RJP INSURANCE GROUP - WWW.RJPINSURANCEGROUP.COM

212-591-1292 OFFICE - 347-753-4530 CELL

SATURDAY DECEMBER13,2008 AT 11:00AM-1:00PM

RJP INSURANCE GROUP WILL BE HOSTING A 2 HOUR NOTARY
PUBLIC CLASS,THIS CLASS WILL PREPARE YOU TO TAKE AND
PASS THE NYS NOTARY EXAM,WHICH WE WILL SCHEDULE FOR
YOU.

The course will cover:
-Legal terms/definitions
-Affidavits/depositions/acknowledgements
-Wills
-Real property law
-Banking law
and much more!

Notaries are needed at:
-Banks
-Hospitals
-Real estate offices
-Mortgage companies
PUT YOURSELF IN DEMAND WITH THIS CLASS!

Location: The times square art center(300 w.43rd
street bet. 8th and 9th ave,5th floor)

Fee: $25.00(covers all material)

Hosted by: RJP INSURANCE GROUP - 212-591-1292

Instructor: Rashaun Page, Licensed Notary Public,
Author of Notary Public "The rules"

CLASS IS A WALK IN,PLEASE ARRIVE PROMPTLY OR RSVP BY
PHONE

Directions: 1,2,3,a,c,e trains to 42nd street

RETIREMENT PLANNING FOR THE SELF EMPLOYED - ACCORDING TO RASHAUN PAGE

Access to a variety of tax-advantaged retirement plan choices is one of the key perks of self-employment. There are several good options that are easy to set up and cheap to maintain, including the SIMPLE IRA, Simplified Employee Pension IRA (SEP-IRA) and Solo 401(k).

These plans all offer tax-deductible contributions. And money inside the plans grows tax-free until you take it out. Three keys to finding the right one:

1. Retirement plan choices for the self-employed all have key differences, so you need to investigate carefully which one is right for you.
2. The most significant differences are: how much money you can put in and what happens if you add staff later on.
3. According to the American Institute of Certified Public Accountants (AICPA), you can't fully fund more than one in a single year, so you need to make a wise choice.

Action Steps
The best contacts and resources to help you get it done

Fly solo with a 401 (k)

The Solo 401(k) is great if your business is raking it in and you need to catch up on retirement savings. A generous contribution formula lets you sock away a larger portion of earnings at a lower income level than with other plans. You can also borrow against a Solo 401(k) -- handy if you fear locking up your money long term.

I recommend: AICPA has complete Solo 401 (k) details in a great site called 360 Degrees of Financial Literacy. The IRS has a good PDF download 401 (k) Plans for Small Business. The 401 (k) Help Center is a terrific place to discover plan details and download a Directory of 401 (k) plan providers. The Small Business Channel has advice on how to choose the best plan and find plan vendors. See how much you can contribute to a Solo 401 (k) with a contribution calculator. Do it all online with The Online 401 (k) for small business.

SEP-IRAs work for one-person shows

The SEP-IRA is great if you run a one-person show and intend to keep it that way. Open one at virtually any bank, mutual fund company or brokerage firm. The contribution limit is 25 percent of net income up to $44,000 (adjusted periodically for inflation). If you hire help later, however, funding rules can make this plan costly, and loans are not allowed.

I recommend: One appealing SEP-IRA feature is funding flexibility. These plans let you wait until you file your taxes to fund the plan. So if your income turns out to be higher or lower than expected, you can adjust your contribution to fit. See how a SEP plan works and how to establish a SEP.

Get sophisticated pension power with a SIMPLE IRA

The SIMPLE IRA is good for entrepreneurs who aspire to run bigger businesses.

I recommend: Even if you add employees, you can keep the same plan. But "SIMPLE" stands for "savings incentive match plan for employees," so you will have to match employee contributions up to three percent of pay.

Thanks,

Rashaun Page