1. Form Number to be added CL-PRES-PPT

2. Financial planning is like taking a trip. Destination Plan Begin Stay on track Arrive Remember: the longer you wait to begin, the harder it will be to get to your destination on time!

3. How much money will it take? Have you considered the following costs? Mortgage or rent Education Retirement income Final expenses Lost family income

4. Out-of-pocket cash or savings? By relying on family or friends? With an insurance plan! It makes good sense to plan ahead. How will the cash needs of your survivors be covered?

5. In planning for retirement, most people may: Underestimate the income they’ll need Fail to plan sufficiently in advance Stop and ask yourself: If your savings over the next five years is the same as your savings over the last five years, will you be happy with it? The future belongs to those who prepare for it

6. Most people don’t pay themselves first. They pay their bills first and then try to save money from whatever is left over. Spend, then save. Why do so many people fail to reach their financial goals?

7. Reaching financial goals requires: Time to take advantage of the magic of compound interest Enough discipline to begin now Save, then spend!

8. Retirement years come with or without planning on your part. A commitment to paying you and your family first is never an easy one. You must be sure that the amount that you set aside on a regular basis is enough that it will provide a meaningful retirement income. A commitment to your future

9. It’s important that you make wise choices about saving. No other financial tool can offer you: An “instant” estate Tax-free benefits Cash value accumulation Protection of your family’s assets A commitment to your future

10. Life insurance can offer you funds for: Mortgage and rent Education Retirement income Final expenses Lost family income Why is life insurance a great option?