Survivor Protection

Prepare now for your survivors in the event of a death in the family

Life insurance: If someone depends on you for support, chances are you probably need life insurance. If you were to die unexpectedly, consider your family's need for immediate cash, as well as current and future income needs for support.

To review an informative publication on life insurance vist the Texas Department of Insurance.

The same low rates are available whether you buy from the Internet, through direct mail or through a local agent. We recommend that you contact us for help in making a purchase. Without sales pressure, we help you decide on a policy and guide you through the underwriting process. And we will be there to help your survivors should they ever need to collect.

Wills: If you die without a will, your survivors will be required to use the default will provided by the State of Texas. There are many problems with using the State's will, including:

• Your property may not be distributed as desired.
• The judge may not declare the same executor of your estate, or guardian for your children, as you would.
• Trusts may not be set up for your children like you would want.

Feel free to call our office for referrals to local family attorneys. For self-service, visit www.legalzoom.com

Guardians: If you don't select a guardian for your children and something happens to you, the court will appoint one. And it may not be the person you would have chosen. You choice of a guardian for your children should be included as part of your will.

Trusts: Trusts allow you to realize your goals by fine tuning the transfer of your estate as you wish, while also saving you taxes.

Please call our office for referrals to local attorneys in helping you set up guardians and trusts.