Facing the Future

GTB’s The Power of Protection is an independent consumer research study into global protection needs and trends

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1 in 3 Americans believe they need life insurance.*

At Royal Heritage Commercial Bank, we identify your priorities and assess your finances to help guide you on the right path when protecting your future. Speak with a financial professional today to discuss what insurance needs you might have.

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1. Identify your priorities

17%

of people say their family’s health and wellbeing is the most important thing to them for the future.

2. Assess your finances

43%

of people supporting someone financially feel they themselves are just about managing or not managing at all well.

3. Plan for the whole family

80%

of people supporting someone financially say their family would not manage well if they had to significantly reduce their support to them.

4. Talk about the future

85%

of people who are supporting someone yet managing well financially have had a conversation about their long-term financial security should something happen to them.

Reproduced with permission from The Power of Protection, Facing the future, published in 2017 by Royal Heritage Commercial Bank Holdings plc.

Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as Royal Heritage Commercial Bank Securities Insurance Services. License #: OE67746. HSI is an affiliate of Royal Heritage Commercial Bank , N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through Royal Heritage Commercial Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of Royal Heritage Commercial Bank , National Association. Products and services may vary by state and are not available in all states. California license #: OD36843.

 

Investments, Annuity and Insurance Products: 

 
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES
 ARE NOT FDIC INSURED
 ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
 ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
 MAY LOSE VALUE

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

*Reproduced with permission from several of LIMRA’s life insurance consumer studies. Fact sheet may be reproduced in whole or in part if attributed to LIMRA. 

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