Financial Fitness steps to owning the right amount and type of
life insurance protection:

Many companies have lowered the price on life insurance due to the decreased
mortality costs. If you have an old policy, your premiums could be reduced
with a new policy as long as you are still healthy. Review your life insurance
needs today using the Life Insurance Needs Calculator to make sure your family
has the protection needed.

Also available in the new version of life insurance policies on the market today is
the living benefits offered through the Accelerated Benefits Rider. This Rider is
generally not available on policies purchased before 1999. Please take a moment
to review your needs and see if having access to up to 75% of your death benefit
during your lifetime may be valuable to you and your family if you are diagnosed
with a terminal illness.

Avoid buying extra life insurance through work if you are healthy. Your group
death benefits will be taxable in your estate. Keep the no cost life insurance
protection offered by your employer, but instead of paying for the supplement
life insurance because you think it is cheaper than you can buy individually, look
at the rates I can get through one of my high quality life insurance carriers. If
you are healthy, you may be overpaying for the convenience of payroll deduction
because few group life companies offer the preferred rates you may qualify for if
individually underwritten.

If you are considering retirement, your group life may not be portable when you
retire. The benefits may be ported or converted if you terminate employment,
but your dependent benefits may not be portable. Also a consideration, what is
allowed today may not be allowed in 5 or 10 years from now when you leave
your current employer.

Group term life rates are banded by age. When you turn 55 or 60, your rates
could become very expensive and your benefits limited to what you purchased
when you were healthy. Your needs may change, but your options might be limited.

Apply 3-6 months ahead of the time you actually need to have life insurance inforce.
Women who are pregnant may be postponed until after childbirth. The
underwriting process and Attending Physicians Statements can take two to three
months to complete. Lower rates mean more scrutiny in the underwriting of your
application.

Work with me to determine the level of protection you need and the best company
for you and your family. Because I am an independent insurance producer, I
work with many companies; some have better rates for those with certain conditions
and occupations Others have better rates for women; and still others are more
lenient on family history.

Each time you ask for a quote, I go to the matrix available to me for the spreadsheet
of all your options and let you see and select the option you think best meets your
needs.

My 30+ years in the insurance business has increased my understanding of which
companies best fit your health and lifestyle situation. I sell dozens of policies each
year with several carriers and have connections with underwriters allowing me to
negotiate concessions at times that benefit you.

My credentials and testimonials prove I am knowledgeable and highly regarded in
the insurance industry. Your family’s security is too important to be left up to
those who lack the depth and understanding I have developed over years of service
to my clients.

Please let me help you determine the type, amount and best insurance company for
you and your family. The ownership and beneficiary of your policy is a personal
choice as well as determination of the extra policy riders. This is where I again can
help you make the right decision.

Thank you for your consideration.

Rosemary A. Reid