Life Insurance Audit

Prepared for Ron SwansonApril 1, 2014

A Professional reviewof your existing life insurance

Importance of Life Insurance

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Life Changes

Most Americans want to protect what’s important to them, their families and their businesses. For many, life insurance is a tool they have used as the center of a sound financial plan.

As your life changes and economic conditions change, it is important to verify that your plan is keeping up with your current needs and meeting your desired objectives.

Changes in one or more of these areas may impact your planning goals - and your current insurance needs.

Consider when you last reviewed your life insurance. Perhaps some of the following events occurred since then:

Has your family changed?

• Married, divorced, widowed

• Birth of children of grandchildren

• Responsibility for the care of a parent

Have you changed your lifestyle?

• Purchased a new home

• Changed employment

• Received an inheritance

• Started or sold a business

• Lost or hired a key employee

• College funding

• Retirement

Has your need for life insurance changed?

• Death benefit protection

• Supplemental retirement income

• Business planning

• Estate planning

• Charitable planning

Permanent life insuranceis a complex financial that

should periodically bereviewed to gauge actual

policy performance againstoriginal expectations.

Economic Conditions

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The economic conditions of the last few years have made it prudent to review all of your financial instruments. Low interest rates and a volitile equity market have negatively affected some portfolios. This has caused people to revisit and even rethink their investment strategies and goals.

Low interest rates have created a rise in home mortgage refinancing

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• Historically low fixed interest rates and equity market volatility have affeted the underlying cash values in some premanent life insurance policies. (Cash value is often invested in fixed instruments such as mortgages, bonds or stocks.)

The Life InsuranceIndustry

The average lifespan has increased

The cost of life insurance coverage has come down

New, more efficient policies have been introduced to themarketplace as the market adjusts to a more competitiveenvironment

Consumers have become more sophisticated and demandgreater value - causing the marketplace to adjust

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Changes in your life, combined with economic conditions and changes impacting the life insurance industry, are cause to review your current financial strategy. Together we will evaluate your present policies, analyze available options in policy funding and positioning in an effort to maximize the benefit of your life insurance coverage.

How It Works

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Ideal candidates: Individuals or entities with permanent life insurance policies that would like an evaluation to determine if their policies are performing as expected.

An insurance policy should be reviewed on a periodic basis. We can begin the process once we obtain a factfinder. A copy is included in this kit.

Policyperforming;no change

Belowexpectation;adjustments

needed

Well belowexpectations,

changerequired

The policy owner decides to take part in a life insurance audit.

1.

We can assist you in obtaining an “inforce” ledger provided we become agent of record or you fill out the attached request for illustration form.

“Inforce” ledgers for the existing policy(ies) are obtained.

2.

We can assist you in obtaining an “inforce” ledger provided we become agent of record or you fill out the attached request for illustration form.

We create a detailedreport with an analysisof the inforce ledgers andany alternative solutions.

Options:

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The Next Steps

Planning the future financial security for you, your business and your key employees requires thought. We use a comprehensive planning process:

Working together we can take the steps necessary to help you eliminate sleepless nights and rest assured you have made the right decisions for the future growth of your business and the protection of your family and key employees.

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