Create a safety net for your family with life insurance

Life insurance, for those who qualify, is a powerful tool to help meet a wide range of personal and financial objectives.  Most people are familiar with life insurance as a way of providing funds to replace lost income in the event the family “bread winner” passes away.  It can also be used to pay off existing liabilities such as mortgages, and can provide funds for future expenses, such as college costs for children or grandchildren.

Life insurance can also play a significant role in business planning and succession.  Banks and other lending institutions may require life insurance on a borrower’s life as collateral for loans.  Business owners may also use it to fund buy-sell agreements or to equalize asset transfers to children who do not participate in a family business or farm.

This column is sponsored by The Thornhill Wealth Management Group.  Contact us today to learn more about us, how we can partner with you and discuss how a solid plan can help to make you feel more confident about your future.  G. Conley Thornhill, CFP®, CIMA®, the Senior Vice President-Wealth Management, or Eric E. Johnson, CFP®, CIMA®, Account Vice President, can be reached at (863) 298-3600 or toll free at (888) 411-5049.  Email Conley at or Eric at

UBS Financial Services Inc.
295 1st Street South, Winter Haven, FL 33880

BIO: Conley works with high net worth individuals as well as institutional clients by delivering highly customized wealth management solutions.  In addition, in 2010 and 2011 he was selected as one of the Barron’s Top 1,000 Advisor’s.  Conley Thornhill is a CERTIFIED FINANCIAL PLANNER™ practitioner and holds the Certified Investment Management Analyst® designation.

As a firm providing wealth management services to clients, UBS Financial Services, Inc. is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. For more information, please visit our website at Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial Planner™ in the U.S. CIMA® is a registered certification mark of the Investment Management Consultants Association, Inc. in the United States of America and worldwide. UBS Financial Services Inc. does not provide legal or tax advice. Any discussion of tax matters contained herein is not intended to be used, and cannot be used or relied upon, by any taxpayer for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or tax-related matter(s). Clients should consult with their legal and tax advisors regarding their personal circumstances. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

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