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Focus on protection

Name: Chris Castaneda
City: Amarillo, Texas
Family: Wife, Charity, and three children
Occupation: FedEx courier
Modern Woodmen representative: Todd Selmon
Why is protecting your family’s future important to you?
You never know what’s going to happen. I drive all the time because of my job. Accidents happen. A friend of mine was diagnosed with cancer and died in his early 40s. You have to be prepared and make sure your family is taken care of.
How is Modern Woodmen helping you meet your protection needs?
Todd is helping my family to be financially prepared. He always looks out for my best interests and those of my family. I feel comfortable asking him for advice. That’s what impresses me most about Modern Woodmen. All the people I’ve met – I can just tell they care.
My entire family has Modern Woodmen life insurance. The coverage is in place in case something happens, but also for my kids’ futures. They’ll have that coverage when they’re older. And I’m helping teach them the importance of planning at an early age. It’s a lesson hopefully they’ll think back to later on. “My parents took care of me. I should do that for my family too.”
What’s something you’ve learned or discovered about protection planning?
I like that if there’s an emergency, I can borrow from the cash value in my life insurance plan. I’ve already taken advantage of that once. I would have had to get a bank loan or borrow from a friend otherwise. This is just a neat bonus of having the coverage in place.

What if your income suddenly stopped?
Uncertainty is certain – no matter what stage you’re at in life. An accident, sudden illness, layoff or death could leave those who depend on you in serious financial trouble.
Protection is one of several key areas of financial planning to address throughout your life. Talk to your representative to learn more.