	New York Life Agent - Peter A. Santangelo CLU - (781) 398-9858 800 South Street Waltham, MA 02453 eMail: nyl@petersantangelo.com
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	Being a leader in the financial services industry for over a century and a half means that New York Life Insurance must continually strive for improvement – not rest on our laurels. New York Life's first priority has always been our policyowners' financial well being. To keep pace with policyowners' needs, the Company has launched new and enhanced life insurance, annuity, and long-term care insurance products, expanded quality service, and pioneered new technologies. Breaking new ground is part of the New York Life tradition. That's why we believe it is "The Company You Keep®."
	What Can A CLU Do For You? CLU stands for Chartered Life Underwriter. A CLU is an educated, experienced, and qualified specialist committed to the financial well being of your family, your business, and yourself. A CLU can provide expert advice on a broad range of financial planning and insurance topics. With the help and knowledge of a CLU you can: Create A Sound Financial Plan Achieve your financial goals Analyze your overall financial situation Identify your life and health insurance needs Identify your personal property and liability risks Achieve Financial Security Through Life Insurance Meet your financial needs using life insurance and annuity products Gain an understanding of your legal rights of owning life insurance and annuity products Familiarize you with the various policy provisions Enhance your family's security through the accumulation of an estate Provide for your financial security during retirement Conserve your existing assets Manage a Successful Business Develop a plan for keeping your family business Identify the various forms for organizing a business Develop a plan in case of the death or disability of a business owner or professional Why Select a CLU? You and your family deserve the best possible financial planning advice. A CLU is a qualified professional who can provide comprehensive insurance and financial planning for your financial security. A CLU: Pledges to place your interests above all else when helping to establish financial goals and implement a financial plan. Pledges to follow the latest industry developments and legislative challenges to help you chart a steady course of financial security. Pledges to adhere to a strict code of ethics Is committed to providing you with superior service Has successfully completed a comprehensive curriculum of college-level courses from The American College Has a minimum of three years of qualifying professional experience Is one of a select group within the financial services industry to earn the CLU designation. Since its inception in 1927, more than 90,000 professionals have earned the CLU designation.
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