1. T-Fit : Life Insurance Why? What am I really buying? Is it part of a larger financial plan? Do I really need life insurance?

2. T-Fit: Life Insurance What am I really buying? Peace of Mind Time Income replacement Retraining Child care Asset protection Education/Marriage for children

3. T-Fit: Life Insurance Is it part of a larger financial plan? Protecting the gap as investments grow Transfer of wealth Funding of annuities for children or spouse Disability or long term care Trust funds

4. T-Fit: Life Insurance Do I really need life insurance? Who has an insurable interest? Are there better ways to provide for my family?

5. T-Fit: Life Insurance How much?

6. T-Fit: Life Insurance How Much? Items to consider Final expenses Outstanding debts Balance of Mortgage Outstanding taxes Replacement of Income Future big ticket items Children’s education Weddings Lifestyle changes

7. T-Fit: Life Insurance What kind of insurance should I buy? See an agent Insurance is about risk. Value Whole or Universal Life Level premiums over the life of the policy Builds a cash balance Refunding of premium as part of the claim Term Insurance Increasing premiums

8. T-Fit: Life Insurance Questions? Helpful links: http://www.lifehappens.org http://www.bankrate.com/calculators/index-of-insurance- calculators.aspx http://www.bankrate.com/calculators/index-of-insurance- calculators.aspx http://www.marketwatch.com/tools/lifeinsurance http://money.msn.com/life-insurance/life-insurance- quotes.aspx http://money.msn.com/life-insurance/life-insurance- quotes.aspx