News on Youtube Feb 28 2018

Hi, I'm Paul Hershey, Senior Account Executive here at UIS Insurance & Investments located

in our Fremont office.

Today in our video were going to talk about life insurance real quick.

Specifically, how much do you need to support your family should you pass away.

Generally what we're going to talk about is personal life insurance, there is also buy-

sell agreements for business.

There are many different products that we have access to here to fit your needs and

desires should the unexpected happen and you pass away.

First things first on how much you might need, lets start with the very first number you'll

figure out which would be your final expenses.

Funerals are getting more expensive day by day, the average funeral can range anywhere

from $6,000 to $10,000 and that is a highly unexpected expense should you pass away.

After your final expenses are taken care of we need to focus on loss future income for

your family.

If you were the major bread winner, were going to need to replace a lot more than if you

were the secondary income in the family.

There's going to be expenses that continue to roll in, mortgagees, daycare, future expenses

like college, transportation.

All those normal, everyday expenses are still going to be there for your family without

your income actually coming in to the bank account.

We need to take that number and we need to figure out how many years we would need to

get your family paid up to, to make them sustain the lifestyle they're accustomed too.

After we figure out your future expenses that your family is going to need, were also going

to need to talk to you to see if there is something you want to do as a legacy gift

or anything of that nature.

Do you want to donate to your church?

Do you want to donate to an organization that you've been a part of your entire life?

Things like that, can be funded through life insurance.

What we want to do is add all of that up, get your number, generally it's going to be

a lot higher than you would think.

What we want to do is back that number down into a manageable life insurance program.

A manageable program consists of the death benefit that you and your family think is

sufficient to fund their needs for the future, should you pass away.

It's made of maybe one maybe two maybe three different types of life insurance policies

to make it affordable.

When we talk about affordability, the main thing to remember it's never going to be more

affordable than it is right now.

Life Insurance is going to get more expensive as you get older and if your health deteriorates

that also going to play a part into it, so come and talk to us today.

The other products that we'll be able to talk about will come on the next video.

So stay tuned.

Thanks.

For more infomation >> How do I choose the right life insurance limit? - Duration: 3:03.

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How much water is in Earth's lakes? - Duration: 2:08.

Using high-resolution satellite imagery and a mathematical model, scientists have

estimated that the mean depth of lakes around the world is substantially lower

than previously thought. How many lakes are there and how deep are

they? These are fundamental questions in the study of lake water. With advances in

satellite imaging techniques, research over the last decade has narrowed in on

the first question estimating well over 100 million links on Earth. The question

of depth, however, has remained elusive. A complete understanding of these

parameters is critical to understanding the ecological and economic functions of

lakes, specifically their role in global carbon cycling.

A team of researchers working in Sweden and the USA set out to find an

accurate means to estimate the volume and depth of Earth's lakes. To accomplish

this, they developed and tested a mathematical model which incorporates

the Earth's topography and the surface area of 28 million lakes. The team then

tested their prediction method against a high confidence database of lakes in the

USA, Canada, and Sweden. The estimates, they found, corresponded quite well with the

survey data. Once verified, the researchers then used the mathematical

approach to calculate the Earth's overall lake volume and average depth.

Their estimates: a volume of nearly 200,000 cubic kilometers and a mean of

42 metres deep. These improved estimates of depth and volume represent a major

step forward in understanding the distribution of lake water on Earth. The

finding that lakes are significantly less deep on average than previously

thought has important implications for the role of these bodies of water in

global geochemical cycles.