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3. Step 5 Monitor the Plan & Make Changes as Necessary Step 5 Monitor the Plan & Make Changes as Necessary Step 1 Establish Financial Objectives Step 1 Establish Financial Objectives Step 2 Gather, Process & Analyze Relevant Information Step 2 Gather, Process & Analyze Relevant Information Step 3 Develop a Financial Plan Step 3 Develop a Financial Plan Step 4 Implement the Plan Step 4 Implement the Plan The process of examining your own financial & personal situation, defining realistic short-term & long-term financial objectives & developing & implementing strategies for reaching those objectives Our Financial Planning Process

4. How Important is Your Income? Your ability to earn an income is your primary financial contribution to your family. Your income secures a comfortable standard of living for them today and for you tomorrow. Premature death, disability and old age will destroy your earning power. When you cannot go to work, you must have a sufficient fund of dollars to put to work to replace your income.

5. What Would Happen to Your Family if You Died Prematurely? How will you guarantee them food, clothing and shelter? What about the mortgage or rent payments? How will they pay for last expenses and fees? What about your outstanding debts and liabilities? How will you guarantee your children’s future through a good education? How long could your family survive without the bills paid and a regular and guaranteed source of income?

6. Family Security Analysis When an income provider dies, his/her family faces two important money needs: Immediate Cash Continuing Income Your confidential Family Security Analysis will help you measure the gaps between your family’s needs and currently available resources.

7. Family Security Analysis Cash Required (1) Last Expenses $___________ Debt___________ Mortgage___________ Education___________ Other___________ Total$_________ Cash Available (2) Savings $___________ Investments___________ Personal Insurance___________ Group Insurance___________ Government Plans___________ Total$_________ Cash Surplus (3) or Deficit (4)$_________ (1) - (2) = (3) or (4) Income Required (5) $__________ Income Sources Invested Surplus (3) x __%__________ Survivor’s Employment Income__________ Government Plans__________ Other__________ Total (6) $__________ Income Deficit (7) $__________ (5) - (6) = (7) Capital Required (a) $__________ (7) divided by __% Total Insurance Required $__________ Deficit (4) + Capital (a)

8. Unplanned Choices for the Non-Insured Your family could re-mortgage or move. They could collapse their savings program. You could deny your children an education. They could rely on family, charity or welfare. They might borrow money if they could find a willing lender. They could drastically reduce their standard of living.

9. The Insured Solution Pays a tax free lump sum amount to your family at their worst moment of crisis. You create needed dollars tomorrow for only pennies today. Your family can choose where to direct the money:  Pay off the immediate bills  Eliminate the mortgage  Invest for a continuing source of income  Put aside for the children’s education

10. Build Your Own Program Option A – Term Insurance Coverage  Low initial cost  Face amount paid at death  Rates increase over time  Future conversion to Option B available Option B – Permanent Insurance Coverage  Level premiums for life  Built-in flexibility at several levels  Face amount paid at death  Grows cash values for your future security Option C – Combination Coverage  Combine Options A & B to create your own unique program to suit your budget and family needs

11. Let’s See if you Can Qualify Today The best time to apply for insurance is now, while you are young and healthy. Life insurance is like a parachute – when you really need it, you can’t get it! A small deposit with your application can start your coverage immediately, subject to certain restrictions. If you cannot qualify, your deposit will be returned in full. If you do qualify, you will have a 10 day period to examine the policy and return it with no questions asked if you change your mind.