PERSONAL LIABILITY

Dear [Name]:

Our lives are full of responsibilities to others. If you–or a member of your family or your pet–cause injury to others or damage to their property, you may have to pay them for medical expenses, loss of earnings, "pain and suffering," and the value of their property, including loss of its use.

What if a situation results in a lawsuit? An award from a judge or jury may involve a figure larger than your total assets, plus a big piece of your future earnings. Accidents do happen–a trip over a loose stair or loose rug, a slip on the ice, a poorly driven golf ball, a bite by Fido. The possibilities are almost endless. A simple and inexpensive policy is available which pays your legal obligation, secures the services of skilled attorneys to represent you, and handles related legal fees.

I'll call for an appointment to discuss it with you. It shouldn't take more than 15 minutes and could save you from financial disaster.

Sincerely,

PERSONAL UMBRELLA LIABILITY

Dear [Name]:

Lawsuits or claims involving a catastrophic amount could happen through the use of an auto, your home, the actions of your pet or through one of your many activities. With your level of income and assets, you are particularly vulnerable to such a verdict.

Even if you win and don't have to settle with an injured party, you could still face a huge legal expense. High-value lawsuits can drag on for years, with hundreds of hours of attorney fees billed to you.

To meet this financial threat, insurance companies have developed a personal catastrophe liability policy, providing limits up to several million dollars. This excess coverage is available to supplement the protection provided by your auto and homeowners policies. Also, it can provide coverage above a modest deductible, against certain liability hazards for which you might not be presently covered. Consider libel, slander, invasion of privacy, false arrest, and more. This protection is available for a relatively modest premium.

We consider this the greatest single insurance bargain in existence, and it is most important for your financial peace of mind that we set up this policy for you at your earliest convenience.

I’ll call you in the next few days to discuss this important coverage.

Sincerely,