Life Insurance

Along with home ownership comes a responsibility to your family to provide a safety net with life insurance. Haines Insurance Agency recognizes the need for life insurance and has established a long-time relationship with Erie Family Life Insurance Company to meet those needs. Please contact us for a quote on your life insurance needs.

ERIE FAMILY LIFE ANNUITIES

Ten Good Reasons To Buy An Annuity From Eric Family Life

1. Peace of mind from dealing with a financially secure company. Erie Family Life has consistently earned an A+ (Superior) rating from the A. M. Best Company.

2. More income at retirement. Even with Social Security and a private pension, your retirement will be more enjoyable with additional income from an annuity.

3. Assurance of a guaranteed income you cannot outlive. Your funds can be applied to purchase a life annuity which will continue payments for the rest of your life.

4. Flexibility of payout options. In addition to the lifetime annuity, Erie Family Life offers a variety of other income options, including: a life time income for both you and your spouse; payments for a specific number of years; and regular payments of principal and interest, or interest only.

5. Guaranteed value. As interest is credited to your Erie Family Life annuity each day, it becomes part of the guaranteed value of the policy.

6. Tax-deferred earnings. During an annuity's "accumulation phase," premium deposits earn tax-deferred interest. You pay no current income tax on the interest until you begin receiving funds, at which time you may be at a lower taxable income level.

7. Competitive rate. The current interest rate on Erie Family Life annuities is extremely competitive. The contract also guarantees the rate will not fall below a stated level.

8. No front-end loads or expense charges, and flexible premiums. The only charge on an Erie Family Life annuity is a graded surrender charge imposed on partial or complete surrender within the first five years of the contract. In addition, premium payments can be as small as $20 per month.

9. Superior service. The companies of Erie Insurance Group have offered clients superior protection and service since 1925. Erie Family Life, founded in 1967, continues that tradition.

10. An Agent with a sincere desire to serve you. ERIE Agents are dedicated to maintaining the high ethical standards of the company. You can be certain your Agent will be conscientious, forthright and thorough.

HAINES INSURANCE AGENCY
203 WEST MAIN STREET
P. O. BOX 636
RISING SUN, MD 21911
410-658-6330/800-554-2463
FAX 410-658-6369