Life Insurance  

Have you thought about what would happen in the event of your death

• Would your spouse be comfortable living on your retirement savings?
• Is your family prepared to pay estate taxes after you are gone?
• Will your family have the resources to support their current lifestyle in the case of your premature death?

Or,

• Should something happen to your business partner, could you take full control of the company legally?

Life insurance can help to protect the people you love and the things you have worked so hard for. Life insurance can provide you with the peace of mind of knowing that your loved ones will be provided for after you are gone.

When planning your insurance coverage, you should consider:

• The amount of money you need to provide for your family
• The available cash flow you have to pay for coverage
• The time period for which you need coverage

The Financial Consultants with the Investment Center at Citizens Bank can help you define your life insurance needs, and help you choose from a wide range of insurance products including term, whole life, universal life and long-term care, to name a few. 

To learn more about life insurance products and how they may help you reach your long-term financial goals, visit any F&M Bank branch to speak with a Financial Consultant with the Investment Center at F&M Bank.

Disclosures

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: MI, OH, WI, IA.

Securities are offered through LPL Financial Corporation (LPL Financial).  Member FINRA/SIPC. Insurance is offered through LPL Financial or its affiliate LPL Insurance Associates, Inc.  Insurance may also be offered through UVEST Financial Services Group, Inc. (UVEST). Investment Center at F&M Bank and F&M Bank are not broker/dealers, nor are they affiliated with LPL Financial or UVEST.

NOT FDIC INSURED - ­NO BANK GUARANTEE - MAY LOSE VALUE - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY/p>

This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. investment representatives. LPL Financial's U.S. financial consultants may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Financial Industry Regulatory Authority

Securities Investor Protection Corporation