1. Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age Over our life time there are certain periods we can easily identify and plan for…Retirement September 27, 2005

2. Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age Throughout our life we need protection for the inevitable and the unexpected …Retirement Life Insurance September 27, 2005

3. Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age In our early years we need to protect our income and in our later years we need to protect our assets.Retirement Life Insurance Income Protection Asset Protection September 27, 2005

4. Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age The odds are you will survive a serious illness but … at what COST? Life Insurance Income Protection Asset Protection Critical Illness Critical IllnessRetirement September 27, 2005

5. Long - Term Disability Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age Before retirement we must also protect ourselves from the loss of income due to disability. Life Insurance Income Protection Asset Protection Critical Illness Critical IllnessRetirement September 27, 2005

6. Long - Term Disability Long – Term Care Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age Pre and post retirement, we begin to anticipate high health care costs and want to protect our assets and lifestyle. Life Insurance Income Protection Asset Protection September 27, 2005 LTD & LTC Critical Illness Critical IllnessRetirement

7. Long - Term Disability Long – Term Care Insurance Protection Lifecycle 65 304050 55 60 65 70 75 80+ Age Life Insurance Income Protection Asset Protection September 27, 2005 LTD & LTC Critical Illness Critical IllnessRetirement