1. They do not want to pass on their financial obligations or their
funeral costs to their families.
2. They want to supplement their Social Security benefits so that
during their retirement years, their standard of living will not be drastically lowered.
3. They don't want to die and leave only enough life insurance and
other assets to pay off their last expenses, so that their families will not have enough
money to last through the financial -adjustment period that follows the death of the
breadwinner.
4. They want to supplement their Social Security death benefits so
that their surviving families will continue to maintain their standard of living.
5. They know that life insurance can guarantee a fixed income for a
surviving parent who must remain at home to care for children.
6. They need an adequate guaranteed retirement income.
7. They need a plan with a definite goal, one that does not depend on
speculation and self-control.
8. They have purchased a home and want to be sure that it will remain
in their family even if they are not there to meet the monthly mortgage payments.
9. They want to see their children go to college.
10. They want to start protection and thrift programs for their
children while the children are young, because they have learned that age provides the
only bargain in life insurance.
11. They want to solve the basic needs of protection for members of
their family.
12. They know that a mother's death can be as financially disabling
as a father's death.
13. They want to leave resources for special reasons: giving gifts
and bequests, contributing to a son's or daughter's wedding, funding for a
son's or
daughter's own business, or providing for a disabled or disadvantaged child.
14. They have recently married.
15. They have become new parents.
16. They have a new job or received a promotion, which has increased
their financial value and their ability to afford adequate insurance protection.
17. They are recent college graduates-marking the beginning of their
financial independence.
18. They are business owners who need to protect key employees.
19. They need to enhance their business credit standings.
20. They are sole proprietors who need to protect their business for
their survivors.
2 1. They are involved in a partnership that needs to be protected
from being shared by a partner's disinterested survivor.
22. They need a method to liquidate stockholder's interests.
23. They need a method to fund buy-sell agreements.
24. They need a method to fund pension plans.
25. They want to prepare for retirement by combining guaranteed
income and growth possibilities of equities.
26. They have certain tax problems that need to be solved.
