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3 Types of Life Insurance Term Whole Life Universal Life

Term Insurance T10, 20, 30 (Typically Expires Age 80) Term to age 100 Rent Death Benefit: Typically No Cash Values DB: Increasing, Decreasing, Level Convertible/Renewable $ COI T100 T30 T20 T10 ___________ Client Initials

Whole Life Insurance Buy DB + surplus to Cash Value (Bundled) Fixed Deposit Schedule: Pay 10, 15, 20, to age 65 or 100 High Deposits, Participating Policies Savings = Guaranteed Investment Account Loan Options: Policy Loan or Third Party Loan Loan Max 90% $ COI ___________ Client Initials

Universal Life Insurance Buy DB + surplus to Cash Value (Unbundled) Deposits & Cost of Insurance typically NOT Guaranteed Investment Ceiling but NO floor: Investment Returns NOT Guaranteed Loan Options: Policy Loans (10-8, 9-7, 8-6, 6-4) or Third-Party Cheapest way to buy insurance with tax-deductible dollars when properly structured and well funded $ COI Max UL Min UL ___________ Client Initials

Life Insurance Needs Analysis Five Finger Rule: What do you have? What do you owe? For whom are you financially responsible? For how long? What do you expect will change in the next 5 years? Here is a quick way to determine how much insurance you need. Ask yourself: What do I have that needs protecting? What do I owe? Life insurance can be used to pay off debts. For whom are you financially responsible? Do you have children? Are you looking after parents? For how long will you need to provide for them? What do you expect will change? Will the kids move out? Will your parents move in? Will you pay off your debts? All of this is considered when determining how much insurance you should get.