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ANCHOR LEAD:
IF A CASH CRUNCH HAS YOU IN A TIZZY MONTH AFTER MONTH...YOU MIGHT WANT TO
THINK ABOUT REFINANCING TO LOWER YOUR BILLS. NO...NOT YOUR MORTGAGE --- RATES
ARE RISING THERE. EXPERTS SAY IT MAY BE TIME TO RE-FI SOMETHING ELSE YOU MAY
NOT EVEN THINK ABOUT...HERE'S _____WITH A HEADS UP! ON A MOVE THAT COULD SAVE
YOU BIG...EVEN HUNDREDS OF DOLLARS A YEAR!
TRACK ONE Length:
10
FOR YEARS, BYRON TURNOFF HAS BUILT HIS BUSINESS BUT STILL WANTS TO MAKE SURE
HIS FAMILY IS TAKEN CARE OF IF SOMETHING HAPPENS TO HIM. HIS SOLUTION-- A
TERM LIFE INSURANCE POLICY.
SOT
KEY @: 11 Byron Turnoff,Has life insurance
"It was a comforting thought to know you took care of your family's well
being."
TRACK TWO Length:
12
BYRON'S FOUR YEAR OLD POLICY COSTS HIM ABOUT A THOUSAND DOLLARS A YEAR. BUT
HE MIGHT BE ABLE TO GET THAT PEACE OF MIND FOR LESS. EXPERTS SAY LIFE INSURANCE
RATES ARE DROPPING, AND THE TREND'S EXPECTED TO CONTINUE IN 2006.
SOT
KEY @: 30 Steve Weisbart, Insurance Information Institute
"My forecast is rates will go down by about three percent."
TRACK THREE Length:
10
AND THAT COULD SAVE YOU MONEY. INSURANCE EXPERT STEVE WEISBART SAYS PEOPLE
DON'T REALIZE THAT...JUST LIKE THEY CAN REFINANCE THEIR MORTGAGE WHEN RATES
DROP... THEY CAN DO THE SAME WITH LIFE INSURANCE.
SOT
KEY @: 43 Steve Weisbart, Insurance Information Institute
"You might well pay less money now for the new policy than for the old
one. Or, you might be able to buy more life insurance for the same amount
of money."
TRACK FOUR Length:
11
WEISBART SAYS CONSUMERS WITH ALL TYPES OF POLICIES MAY BENEFIT.... BUT THOSE
WHO BOUGHT A TERM POLICY AT LEAST FIVE TO TEN YEARS AGO HAVE THE MOST TO GAIN.
TAKE A HALF MILLION-DOLLAR POLICY...
SOT
KEY @: 1:03 Steve Weisbart, Insurance Information Institute
"A person, say, a male 40-year-old could pay 300-350 dollars a year.
Ten years ago that would've cost probably 800-1000 dollars a year."
TRACK FIVE Length:
03
EXPERTS SAY THERE ARE SEVERAL REASONS WHY RATES ARE DROPPING...
SOT
Length: 05(Steve Weisbart, Insurance Information Institute)
"The most important one is that people are simply living longer. Competition
is another force."
TRACK SIX Length:
09
IF YOU DO REFINANCE, WEISBART SAYS ...REMEMBER: IT'S A BRAND NEW POLICY...SO
KNOW THE CONDITIONS. AND, MAKE SURE YOUR NEW POLICY IS ACCEPTED BEFORE YOU
CANCEL ANYTHING.
SOT
KEY @: 1:32 Steve Weisbart, Insurance Information Institute
"The worst thing that would happen would be you drop one policy, you
go to apply for a new one and they don't offer it to you."
TRACK SEVEN Length:
05
BYRON SAYS IT'S A NO BRAINER...HE'LL TAKE A LOOK TO SEE IF HE CAN REST EASY
FOR LESS.
SOT
Length: 04(Byron Turnoff, Has life insurance)
"It's not a big investment of time to look. I would definitely take a
look if the rates are dropping."
ANCHOR TAG:
WEISBART SAYS TO FIND OUT WHAT INSURANCE RATES ARE, EITHER ASK YOUR INSURANCE
AGENT OR VISIT ONE OF SEVERAL WEBSITES THAT MONITOR RATES AND GIVE YOU QUOTES.
SOURCE LIST
Steve Weisbart, Ph.D.,
CLU
Insurance Information Institute
110 William Street
New York, NY 10038
PR Contact:
212-346-5500
Steve Weisbart is an economist with the Insurance Information Institute. He predicts that rates for life insurance policies will drop 3% in 2006.
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