Contact Rich Kruth Today - richkruth@richkruth.com Fax - 847-289-9808

Office - 847-608-0547 Toll free - 877-829-7357 Mobile - 847-767-1938

Life Insurance & Annuity Solutions

Life insurance is a powerful, but misunderstood tool in planning your risk management. Today American families are struggling to pay their bills and putting off this very important type of insurance.

· Life insurance is no place to skimp, expecially with rates at historic lows.

· The reasons to budget for risk management by using various types of insurance programs is to protect your; assets and income, future family interests, and family sustainability

· Your life insurance needs may not be sufficient

Matching the policy to your needs is what Rich Kruth can do best. He has 20 years experience as an agent and insurance adviser

There are Good, Bad, and Terrible Types of annuities. However, some annuities can be a very goodplace to park your Safe Money.

· Plain vanilla-type fixed annuities come with guarantees that you will not lose the value of your investment, because they reduce risk by not putting your money in the market or promising returns based on whether an index goes up or down. Thereby, no flucuation of account values.

· Not all insurance companies that offer fixed annuities are the same. Some have high first year interest rates plus "bonuses" to get your money and then have very low renewal rates. It is very important to review the renewal rate history of the annuity company before making a choice

· FLP currently has fixed annuities from GBU Financial (a not-for-profit Fraternal Order insurance company) that you can earn up to 3.85% first year guaranteed rate and 4.0% renewal rates with a 3% minimum guarantee.*

*After the first year guarantee rate, renewal rates are subject to change at any time and will not be less than the minimum guaranteed rate. All rates are subject to change.Annuity interest is compounded daily

If you're ready to explore financial solutions with Rich Kruth call 847-608-0547