These are some things you should consider before purchasing investments or insurance:

Have any of the following situations changed for you or a family member recently, or do you expect a change within the next six months?

• Move
• Change in marital status
• Birth of a child
• Job change
• Take out or pay off loan
• Start or expand a business
• Acquire new or more group life insurance
• Retire
• Financial services
• Purchase or lease a home
• Graduation in family
• Support a relative
• Inherit moneyDo you have concerns about the following:
• Providing adequate resources for my family if I die
• Having adequate resources to replace lost income if I were injured or became ill and could not work
• Having adequate resources to pay for long term health care whether provided at home or at a facility
• Being able to pay the monthly mortgage payment in the event of my death or disability
• Having enough money to provide for the educational needs of my children or grandchildren
• Having adequate resources if my spouse becomes disables or deceased
• Providing adequate benefits to attract and retain quality employees
• Providing adequate resources to keep my business going in the event of my illness, injury or death
• Providing my heirs with the most beneficial disposition of my estate and/or my business
• Providing funds for charitable interests