● Life Insurance...
   - for your spouse
   - for your children (a gift of love)
   - for your parents
   - for you grandchildren (immortality)

● Term Life Insurance: Individual & Group

● Disability Income Protection Insurance

● Long-Term Care Insurance

   - Fully funded for in home care

   - Self funded for in home care

● Estate Tax Insurance

● Retirement Planning Strategies

● Health Insurance - Individual & Group

● Estate Planning Strategies

● Annuities

● Executive Benefit Planning

● 401(k) plans


● Pension & Sar-Seps

● Executive / Top Producer Retention Plans

● Business Insurance Planning

   - Key person life Insurance
   - Entity Stock redemption
   - Cross purchase buyout
   - Business Debt Liquidation
   - Funded Buy-Sell Agreements
   - Disability buyout
   - Section 303 partial redemption
   - Section 162 bonus
   - Business Overhead Expense Insurance
   - Split dollar & Reverse split dollar
   - Deferred compensation
   - Qualified retirement

Thinking Insurance
Life - Health - Disability - Annuities
Long Term Care - Estate Analysis
Executive/Employee Benefit Planning
Retirement Planning Strategies or
Funding a legacy for your children

Call Ernst.....Roger Ernst
Roger L. Ernst, CLU, ChFC

at the

The Roger L. Ernst Companies

Winchester, VA 540-327-6597

   IDEA # 27 | Paying off the
   mortgage early with Cash
   Value Life Insurance.

   IDEA # 46 | Are you aware
   there is a plan other than
   a 401k, and IRA or Sep that will       reduce your taxable income?

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