Disability Income Insurance		Life Insurance
Protecting your ability to earn Have you ever thought about how long you could maintain your current living standards if you weren't able to work? For most people, being disabled and unable to earn an income -- even for just a short time -- can mean, at a minimum, financial stress. Most people only have two months savings in the bank as a protection against emergencies. But even a larger savings base dwindles quickly when you're facing a long-term injury or illness. In that situation, all of your needs and financial responsibilities continue. You still must pay your mortgage, car payment, credit card payments, medical costs, food costs, and more. If you don't plan properly, many of your hopes for a comfortable future may have to be put off -- if not discarded altogether. Disability income insurance is designed to replace a portion of your income that is lost due to disability from illness or accident. We'll help alleviate this potential stress by designing a Disability Income Insurance policy customized for your situation -- a policy that will protect a portion of your income in the event of your disability.		Taking care of those left behind In most financial strategies, life insurance is the solid foundation that supports the other strategy elements. As a financial tool, life insurance is the first line of defense when protecting against the financial impact that may result at death. It provides resources to help the survivors. pay off debt and, more importantly, to help replace lost income. There are a wide variety of life insurance choices available. Wagstaff and Crawford can help you choose the right one for your situation. Our approach is probably different from your experience with life insurance. We use life insurance as a tool in helping you create the best possible financial protection plan for your unique situation.

D. Boyd Wagstaff and Robert B. Crawford are registered representatives of and offer securities,
investment advisory, and financial planning services through MML Investors Services, Inc., Member SIPC.
6340 S. 3000 E. Salt Lake City, UT 84121 (801) 943-6277

Wagstaff & Crawford is not a subsidiary or affiliate of MML Investors Services, Inc.

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