Chicago Area Celebrates in September!

Chicago area fesitvals celebrate life insuranceSeptember is Life Insurance Awareness month and already many communities have scheduled festivals and parades.  Oh, wait, what? They’re not celebrating life insurance awareness?  Well, at least let me make you aware of it. 

The Chicago Tribune is reporting that almost 35 million American households neither own their own life insurance policy nor are covered under employer sponsored plans.  That’s up from 24 million households only six years ago.  Among households with children under 18, four in 10 respondents said they would immediately have trouble meeting living expenses if a primary wage earner died, and another three in 10 would have trouble keeping up with expenses after several months.

Let me be clear, if you have a family and you are the primary wage earner, you need life insurance.  The only reason you wouldn’t need it in that situation is if you are wealthy enough that you have put aside enough money to cover your funeral and burial expenses and provide your spouse and children with enough money to cover their immediate financial needs for at least a year.  Traditionally, people have been told that they should carry at least 10 times their salary in life insurance.  In reality, you should sit down with an advisor and let them do a needs analysis.  You may want to provide your family with enough money to pay off your home mortgage, provide for your child(ren)’s education and/or provide enough to pay your estate taxes. 

Many people get life insurance through their employer, but typically the amount offered is just enough to cover burial expenses.  If you are an employer, you may want to review the life insurance benefit you offer to your employees.  In addition, if you are a partner in a business, you may want to talk with someone about how you can provide for the continuation of the business if either you or one of your partners passes.  Life insurance can help you achieve that goal.

I know people don’t like to discuss life insurance because it reminds us of our own mortality, but for the peace of mind and security of your family you should at least have a brief conversation with a life insurance agent.  If you would like a no obligation, free consultation, please contact me.  Trust me, you’ll enjoy those September festivals a lot more knowing that you’ve secured the future for your family.

Here’s a list of upcoming festivals in the Chicago area and beyond for the month of September:


Festival Name  Start Date  Community Name 
On the Waterfront 09/02/2010 Rockford, IL
Buffalo Grove Days 09/02/2010 Buffalo Grove, IL
Taste of Melrose Park 09/03/2010 Melrose Park, IL
Kewanee Hog Days 09/03/2010 Kewanee, IL
Lake In The Hills Summer Sunset Festival 09/03/2010 Lake in the Hills, IL
Taste of Polonia 09/03/2010 Chicago, IL
Naperville Last Fling 09/03/2010 Naperville, IL
Keepataw Days 09/03/2010 Lemont, IL
Back to School Concert 09/04/2010 Chicago, IL
Rock Island Grand Prix 09/04/2010 Rock Island, IL
Schaumburg Septemberfest 09/04/2010 Schaumburg, IL
34th Annual Fox Valley Folk Music & Storytelling Festival 09/05/2010 Geneva, IL
2010 Oktoberfest 09/09/2010 Villa Park, IL
Winfield Good Old Days 09/09/2010 Winfield, IL
Itasca Oktoberfest 09/10/2010 Itasca, IL
Festival of the Vine 09/10/2010 Geneva, IL
Festival of the Vine 09/10/2010 Geneva, IL
River Days 09/10/2010 Plainfield, IL
Darien Fest 09/10/2010 Darien, IL
Chuck’s Fest 2010 09/10/2010 Bridgeview, IL
4th annual amateur RibFest 2010 09/11/2010 Forest Park, IL
Ukrainian Village Fest 09/11/2010 Chicago, IL
Forest Park Ribfest 09/11/2010 Forest Park, IL
Cruise 11 to remember 9-11 09/11/2010 Decatur, IL
Historic Route 66 Car Show 09/11/2010 Berwyn, IL
Clinton County Art & Wine Festival 09/11/2010 Carlyle, IL
Scandinavian Day Festival 09/12/2010 South Elgin, IL
Dog-toberfest 09/17/2010 Berwyn, IL
Altamont Schuetzenfest Inc. 09/17/2010 Altamont, IL
Fall Fest 09/17/2010 Des Plaines, IL
Berwyn Oktoberfest 09/17/2010 Berwyn, IL
Lewistown’s 4th Annual Fall Festival 09/17/2010 Lewistown, IL
OakToberfest 09/17/2010 Oak Park, IL
Oktoberfest Berwyn 09/17/2010 Berwyn, IL
Good Shepherd Manor Fall Festival 09/18/2010 Momence, IL
Huntley Fall Fest 09/24/2010 Huntley, IL
Chicago Oktoberfest 09/24/2010 Chicago, IL
Highwood Last Call Art Fair 09/25/2010 Highwood, IL
Apple ‘ n Pork 09/25/2010 Clinton, IL
14th Annual Eli Cheesecake Ferstival 09/25/2010 Chicago, IL
31st Annual Barching Band Jamboree 09/25/2010 Palos Hills, IL



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