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Insurance Protection Lifecycle Insurance Protection Lifecycle 30 40 50 55 60 65 65 70 75 80+ Age Over our life time there are certain periods we can easily identify and plan for… Retirement Retirement September 27, 2005

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

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Page 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

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 70 75 80+ Age

Over our life time there are certain periods we can easily identify and plan for…

RetirementRetirement

September 27, 2005

Page 2: 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

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 70 75 80+ Age

Throughout our life we need protection for the inevitable and the unexpected …

RetirementRetirement

Life InsuranceLife Insurance

September 27, 2005

Page 3: 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

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 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.

RetirementRetirement

Life InsuranceLife Insurance

Income ProtectionIncome Protection Asset ProtectionAsset Protection

September 27, 2005

Page 4: 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

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 70 75 80+ Age

The odds are you will survive a serious illness but … at what COST?

Life InsuranceLife Insurance

Income ProtectionIncome Protection Asset ProtectionAsset Protection

Critical IllnessCritical Illness

RetirementRetirement

September 27, 2005

Page 5: 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

Long - Term Long - Term

DisabilityDisability

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 70 75 80+ Age

Before retirement we must also protect ourselves from the loss of income due to disability.

Life InsuranceLife Insurance

Income ProtectionIncome Protection Asset ProtectionAsset Protection

Critical IllnessCritical Illness

RetirementRetirement

September 27, 2005

Page 6: 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

Long - Term Long - Term

DisabilityDisability

Long – Term Long – Term CareCare

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 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 InsuranceLife Insurance

Income ProtectionIncome Protection Asset ProtectionAsset Protection

September 27, 2005

LTDLTD & &

LTCLTC

Critical IllnessCritical Illness

RetirementRetirement

Page 7: 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

Long - Term Long - Term

DisabilityDisability

Long – Term Long – Term CareCare

Insurance Protection Insurance Protection LifecycleLifecycle

30 40 50 55 60 6565 70 75 80+ Age

Life InsuranceLife Insurance

Income ProtectionIncome Protection Asset ProtectionAsset Protection

September 27, 2005

LTDLTD & &

LTCLTC

Critical IllnessCritical Illness

RetirementRetirement