Please read each question carefully. If you're not sure of the answer, read the appropriate section to get your questions answered. These questions will help clarify your insurance objectives:

• Do you know how much disability coverage your employer or your private policy provides?
• How long will your disability coverage last?
• Is your current disability plan adequate to meet your income needs if you can no longer work?
• Have you purchased the maximum additional disability insurance available to make up the shortfall?
• Will your survivors have adequate income in the event of your death?
• Will your life insurance be enough to pay off the mortgage or fund your children's college education?
• Are you paying too much for life insurance?
• Is it more affordable if you purchase life insurance independently rather than through an employer?
• Should you keep your term insurance or convert it to a permanent policy?
• Does your present health insurance plan provide adequate medical coverage?
• Is your health insurance plan the best plan available for you and your family?
• If you're leaving your employer, have you made arrangements for continued medical insurance?
• Do you have the right automobile insurance coverage for your situation?
• Do you know how to choose the optimal auto insurance deductible and liability limits?
• If you're age 55 or above, have you determined whether you need long-term care insurance?
• Do you have the right homeowner's insurance coverage for your situation?
• Have you considered an umbrella policy to cover at least your net worth?