Rashaun Page

SATURDAY DECEMBER 6,2008 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

Your most valuable asset

When we think of our most important assets, it's easy to forget that our income may be the one that needs protection most.

• Maternity leave
• Cancer treatment
• Back injury

Focus on recovery

Benefits from A disability insurance plan can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bills.

• Short term disability coverage provides benefits when you are unable to work for a short period of time due to a covered illness or injury. These policies typically cover periods from 13 to 52 weeks.
• Long term disability coverage provides benefits when you are unable to work for a longer period of time and may last until you are able to return to work.
• Individual disability coverage can help supplement long term disability benefits by protecting a higher percentage of income or covering types of income like commissions and bonuses that may not otherwise be covered.

Some employers provide group disability benefits at no cost to employees or give employees the chance to buy higher levels of protection. You may also be able to purchase individual disability coverage through your employer.

It pays to know what disability coverage is available to you and how much protection you or your family needs.

SINCERELY,

RASHAUN PAGE

Estate Planning Insurance Considerations

Are you aware that at death your assets may not be automatically distributed to your loved ones? Instead, several "unwanted heirs" may step forward first for their share of your estate.

The "Unwanted Heirs"

There is a mistaken impression that, at death, your assets will automatically be distributed to your loved ones. Instead, several "unwanted heirs" may step forward FIRST for their share of your estate.

These "unwanted heirs" include:

• Federal Estate Tax
• State Inheritance Tax
• Estate Administrative Costs (funeral expenses, probate costs,
  professional fees, final expenses and debts)

"Increasingly, business owners are buying life insurance to pay for estate taxes."
Wall Street Journal

What Might This Mean for Your Estate?

The problem is that the "unwanted heirs" can siphon off a significant portion of an estate's total value.

THE HIGH COST OF DYING

(1) Based on the 2008 estate tax rates and $780,800 unified credit. The Economic Growth and Tax Relief Reconciliation Act of 2001 repeals the estate tax for one year - 2010. Under that law, the federal estate tax continues, but with increasing unified credits and decreasing top estate tax rates, until 2010 when it is repealed only for that year. Without future Congressional action, the 2001 federal estate tax rules will be reinstated in 2011, but with a $1 million exemption equivalent (as scheduled to increase prior to the Act).

1. Employer-paid disability insurance
   This is required in most states. Most employers provide some short-term sick leave. Many larger employers provide long-term disability coverage as well, typically with benefits of up to 60 percent of salary lasting from five years to age 65, and in some cases extended for life.
   
   
2. Social Security disability benefits
   This can be paid to workers whose disability is expected to last at least 12 months and is so severe that no gainful employment can be performed.
   
   
3. Individual disability income insurance policies
   Other limited replacement income is available for workers under some circumstances from workers compensation (if the injury or illness is job-related), auto insurance (if disability results from an auto accident) and the Department of Veterans Affairs.
   
   For most workers, even those with some employer-paid coverage, an individual disability income policy is the best way to ensure adequate income in the event of disability. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. Insurers won't replace all your income because they want you to have an incentive to return to work. However, when you pay the premiums yourself, disability benefits are not taxed. (Benefits from employer-paid policies are subject to income tax.Disabilty insurance literally cost pennies to cover your most valuable asset,your income.

SINCERELY,

RASHAUN PAGE

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 OFFICE