Personal Plan

Based on information describing your current financial situation, we have prepared the following net worth statements as of your most recent valuation date, December 31, 2006

Bob and Carol Example Net Worth

Education Goal

You have indicated below you wish to establish an investment plan to fund your education goal(s):

Bob and Carol Example Education Analysis

Life Insurance (Bob)

You have indicated that in the event of Bob’s death at the end of this year you want to ensure that you have enough capital and income to meet the needs:

Life Insurance Needs for Bob Current Plan

Life Insurance (Carol)

You have indicated that in the event of Carol's death at the end of this year you want to ensure that you have enough capital and income to meet the needs:

Life Insurance Needs for Carol Current Plan

Disability Insurance Objectives

In the event that Bob becomes disabled, you have requested that 100% of your current lifestyle expenses be covered. You would like to maintain the level of surplus cash that would normally be available if Bob had not become disabled. Also, existing and proposed investment plans will be maintained unless these goals have been reduced or eliminated. This means that any assets that you have linked with other goals (e.g. retirement, education, major purchase) will continue to be used to help fund those goals.

Current Income (includes investment income) = $110,003

You likely would not face a deficit in the first year of disability.

Bob and Carol Example Disability Insurance Needs for Bob Current Plan

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