HAVE YOU EVER THOUGHT HOW YOUR FAMILY WOULD FINANCIALLY SURVIVE IN THE EVENT THAT SOMETHING WERE TO HAPPEN TO YOU?
In today’s life insurance market term rates have hit an all time low and are very affordable.
The average family has a mortgage and two children to put through college. How would your family do it without adequate life insurance coverage?
You could easily secure a policy within a month of application. Below are sample rates of how easy it would be to protect your families financial security for years to come.
Sample rates for a 20 year term policy:
Male (35 years of age) Female (35 years of age)
$150,000 = $11.62 per month $150,000 = $10.96 per month
$250,000 = $14.96 per month $250,000 = $13.86 per month
$500,000 = $23.32 per month $500,000 = $21.12 per month
Fraud and embezzlement in the workplace is on the rise. We have seen an increasing trend involving Employee Dishonesty. The Association of Certified Fraud Examiners estimates business losses due to employee theft at $400 billion per year. Small companies can be especially affected by theft and embezzlement because they can’t afford extensive safeguards and aren’t large enough to absorb losses.
So, what can a business do to prevent this potentially devastating outcome? First, be more vigilant with the oversight of employees that handle accounts and mon
ey. Create internal controls and stick to them. Look for warning signs that indicate an employee may be stealing funds or inventory: Changing lifestyles, unusual behavior, or reluctance to take vacation time, for example. Installing these and other adequate controls are sound business practices to help deter theft.
Fidelity or Employee Dishonesty coverage is an inexpensive way to help protect your company assets from employee theft. This, and the increasing trend in workplace fraud, make Fidelity coverage something we highly recommend to our clients.
From Spencer’s Benefits Reports: In Notice 2008-51, the Internal Revenue Service details guidance to implement a 2006 amendment to health savings account (HSA) legislation that provides plans the option to allow employees to start an HSA by making a one-time tax-free transfer of individual retirement account (IRA) funds.
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