Doumar Insurance&Financial Services, Inc.

Life Insurance - Providing for your family's financial well being or funding a buy-sell agreement between partners of a business means putting together a comprehensive Life Insurance package that will take care of today's needs, as well as plan for tomorrow. Our role as the insurance professional is that of a problem solver, a trained licensed professional who can show you how to meet a variety of short to long term insurance and financial goals.

Disability Income Insurance - Life is full of risks. You might be surprised to learn what poses the greatest threat to most people during the course of one year:

• 1 in 222 housing units catch fire*
• 1 in 160 people receive injuries in motor vehicle accidents*
• 1 in 117 people die*
• 1 in 10 people, age 25-64, suffer a disability*

*Source 1994 statistical Abstract of the United States

Many people don't realize how high the chances of becoming disabled are. If you become sick or unable to work you could lose your income and what it provides. In your profession, that could be a substantial amount. This chart shows how much money you may earn in your lifetime. A disability could make sure you never see that money.

Potential Earnings to Age 55
(with 5 percent annual salary increase)

	Annual Income
Age	$50,000	$75,000	$100,000	$150,000
35	3,322,000	4,983,000	6,644,000	9,966,000
40	2,386,000	3,580,000	4,773,000	7,159,000
45	1,653,000	2,480,000	3,307,000	4,960,000
50	1,079,000	1,618,000	2,158,000	3,237,000
55	629,000	943,000	1,258,000	1,887,000

You probably insure your home, your car and other personal assets. Don't forget to protect your most valuable asset...your ability to earn an income.