Di Model

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Family Needs If Dan Is Disabled Should you lose your ability to provide income through an accident or illness, how would you maintain your lifestyle? Social Security benefits may provide a portion of needed income. How long would your present assets provide the necessary funds? Long-term disability is another life uncertainty that prevents the accumulation of wealth. • Salary stops • Living expenses continue (medical care often increases) • Retirement contributions stop

Before age 65, it is 2.93 times more likely that Dan will suffer a long-term disability than die!1 Consider the effects of a long-term disability. What if you were out of work for two years? Five years? Until retirement? Effects on Net Worth of Situation $ Net Worth at Retirement

Situation Condition Considered Not Disabled Disabled for Next 2 Years Disabled for Next 5 Years Disabled Now until Retirement

Net Worth at Retirement2 $5,321,674 $4,821,872 $4,067,555 $1,756,345

% Reduction in Net Worth at Retirement — 9.39% 23.57% 67.00%

A disability before retirement may greatly reduce the amount of assets you will have available for retirement. You should consider disability income insurance based on the amount of benefits for which you qualify.

Protect your greatest asset—your ability to earn!

1 2

Based on a disability expected to last more than 2 years following a 60-day elimination period (see Assumptions). Estimated value at end of year of desired retirement.

Presented by: J. Maxey Sanderson, CLU, ChFC, FLMI For Evaluation Purposes Only

November 7, 2008 6 of 14

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