LIFE.W/S
FILE INFORMATION
FILENAME(S): LIFE.W/S
FILE TYPE(S): SEQ
FILE SIZE: 6.3K
FIRST SEEN: 2025-11-30 21:21:43
APPEARS ON: 1 disk(s)
FILE HASH
0e5d3251895b43f79a0a8f325ad8feca0b4f6c51ead052bd73d2412f9d2ee6fc
FOUND ON DISKS (1 DISKS)
| DISK TITLE | FILENAME | FILE TYPE | COLLECTION | TRACK | SECTOR | ACTIONS |
|---|---|---|---|---|---|---|
| SCOTCH | LIFE.W/S | SEQ | DuncanTwain | 12 | 4 | DOWNLOAD FILE |
FILE CONTENT & ANALYSIS
00000000: 22 0D 22 0D 22 20 20 20 20 20 20 20 20 20 20 20 |"."." | 00000010: 20 20 20 20 20 20 20 20 20 20 C8 CF D7 20 CD D5 | ... ..| 00000020: C3 C8 20 CC C9 C6 C5 20 C9 CE D3 D5 D2 C1 CE C3 |.. .... ........| 00000030: C5 20 C4 CF 20 D9 CF D5 20 CE C5 C5 C4 3F 0D 22 |. .. ... ....?."| 00000040: 0D 22 0D 22 0D 22 0D 22 D7 48 4F 4D 20 44 4F 20 |.".".".".HOM DO | 00000050: 59 4F 55 20 57 41 4E 54 20 54 4F 20 50 52 4F 54 |YOU WANT TO PROT| 00000060: 45 43 54 20 57 49 54 48 20 59 4F 55 52 20 4C 49 |ECT WITH YOUR LI| 00000070: 46 45 20 49 4E 53 55 52 41 4E 43 45 3F 0D 22 2D |FE INSURANCE?."-| 00000080: 2D 20 D9 4F 55 52 20 53 50 4F 55 53 45 20 20 2D |- .OUR SPOUSE -| 00000090: 2D 20 D9 4F 55 52 20 43 48 49 4C 44 52 45 4E 20 |- .OUR CHILDREN | 000000A0: 20 2D 2D 20 D9 4F 55 52 20 43 48 49 4C 44 52 45 | -- .OUR CHILDRE| 000000B0: 4E 20 46 52 4F 4D 20 41 20 50 52 49 4F 52 20 4D |N FROM A PRIOR M| 000000C0: 41 52 52 49 41 47 45 0D 22 2D 2D 20 D9 4F 55 52 |ARRIAGE."-- .OUR| 000000D0: 20 50 41 52 45 4E 54 53 20 20 2D 2D 20 CF 54 48 | PARENTS -- .TH| 000000E0: 45 52 3A 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |ER:-------------| 000000F0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000100: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000110: 2D 0D 22 0D 22 D4 4F 20 57 48 41 54 20 45 58 54 |-.".".O WHAT EXT| 00000120: 45 4E 54 20 44 4F 20 59 4F 55 20 57 41 4E 54 20 |ENT DO YOU WANT | 00000130: 54 4F 20 50 52 4F 54 45 43 54 20 54 48 45 4D 3F |TO PROTECT THEM?| 00000140: 0D 22 2D 2D 20 D4 4F 20 50 52 4F 56 49 44 45 20 |."-- .O PROVIDE | 00000150: 46 4F 52 20 54 48 45 49 52 20 50 52 45 53 45 4E |FOR THEIR PRESEN| 00000160: 54 20 4C 49 46 45 53 54 59 4C 45 20 20 2D 2D 20 |T LIFESTYLE -- | 00000170: C6 4F 52 20 41 20 4D 4F 52 45 20 41 46 46 4C 55 |.OR A MORE AFFLU| 00000180: 45 4E 54 0D 22 4C 49 46 45 53 54 59 4C 45 20 20 |ENT."LIFESTYLE | 00000190: 2D 2D 20 C6 4F 52 20 41 20 4D 4F 52 45 20 4D 4F |-- .OR A MORE MO| 000001A0: 44 45 53 54 20 4C 49 46 45 53 54 59 4C 45 0D 22 |DEST LIFESTYLE."| 000001B0: 0D 22 C8 4F 57 20 4C 4F 4E 47 20 44 4F 20 59 4F |.".OW LONG DO YO| 000001C0: 55 20 57 41 4E 54 20 54 4F 20 50 52 4F 54 45 43 |U WANT TO PROTEC| 000001D0: 54 20 45 41 43 48 3F 20 2D 2D 2D 2D 2D 2D 2D 2D |T EACH? --------| 000001E0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 000001F0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 0D 22 0D 22 |----------."."."| 00000200: C6 4F 52 20 53 49 4D 50 4C 49 43 49 54 59 20 42 |.OR SIMPLICITY B| 00000210: 45 4C 4F 57 2C 20 41 53 53 55 4D 45 20 54 48 41 |ELOW, ASSUME THA| 00000220: 54 20 49 4E 43 52 45 41 53 45 53 20 49 4E 20 59 |T INCREASES IN Y| 00000230: 4F 55 52 20 42 45 4E 45 46 49 43 49 41 52 49 45 |OUR BENEFICIARIE| 00000240: 53 27 20 49 4E 43 4F 4D 45 20 57 49 4C 4C 0D 22 |S' INCOME WILL."| 00000250: 4B 45 45 50 20 50 41 43 45 20 57 49 54 48 20 54 |KEEP PACE WITH T| 00000260: 48 45 20 49 4E 43 52 45 41 53 45 53 20 46 52 4F |HE INCREASES FRO| 00000270: 4D 20 49 4E 46 4C 41 54 49 4F 4E 2E 20 20 D5 53 |M INFLATION. .S| 00000280: 45 20 53 45 50 41 52 41 54 45 20 53 48 45 45 54 |E SEPARATE SHEET| 00000290: 53 20 46 4F 52 0D 22 41 43 43 4F 4D 50 41 4E 59 |S FOR."ACCOMPANY| 000002A0: 49 4E 47 20 53 43 48 45 44 55 4C 45 53 20 41 4E |ING SCHEDULES AN| 000002B0: 44 20 43 4F 4D 50 55 54 41 54 49 4F 4E 53 2E 20 |D COMPUTATIONS. | 000002C0: 20 D2 45 44 45 54 45 52 4D 49 4E 45 20 50 45 52 | .EDETERMINE PER| 000002D0: 49 4F 44 49 43 41 4C 4C 59 20 4F 52 20 57 48 45 |IODICALLY OR WHE| 000002E0: 4E 0D 22 59 4F 55 52 20 43 49 52 43 55 4D 53 54 |N."YOUR CIRCUMST| 000002F0: 41 4E 43 45 53 20 43 48 41 4E 47 45 20 53 49 47 |ANCES CHANGE SIG| 00000300: 4E 49 46 49 43 41 4E 54 4C 59 2E 0D 22 0D 22 28 |NIFICANTLY.."."(| 00000310: C9 29 CC D5 CD D0 2D D3 D5 CD 20 C2 C5 CE C5 C6 |.)....-... .....| 00000320: C9 D4 D3 20 C1 CE C4 20 C5 D8 D0 C5 CE D3 C5 D3 |... ... ........| 00000330: 20 D7 C8 C5 CE 20 D9 CF D5 20 C4 C9 C5 0D 22 20 | .... ... ...." | 00000340: 20 28 C1 29 CC 55 4D 50 2D D3 55 4D 20 C2 45 4E | (.).UMP-.UM .EN| 00000350: 45 46 49 54 53 0D 22 20 20 20 20 28 31 29 C6 52 |EFITS." (1).R| 00000360: 4F 4D 20 59 4F 55 52 20 50 52 45 53 45 4E 54 20 |OM YOUR PRESENT | 00000370: 49 4E 44 49 56 49 44 55 41 4C 20 49 4E 53 55 52 |INDIVIDUAL INSUR| 00000380: 41 4E 43 45 53 20 20 20 20 20 20 20 20 20 20 20 |ANCES | 00000390: 20 20 20 20 20 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D | $--------| 000003A0: 2D 2D 2D 2D 0D 22 20 20 20 20 28 32 29 C6 52 4F |----." (2).RO| 000003B0: 4D 20 59 4F 55 52 20 50 52 45 53 45 4E 54 20 45 |M YOUR PRESENT E| 000003C0: 4D 50 4C 4F 59 4D 45 4E 54 20 41 4E 44 20 4F 54 |MPLOYMENT AND OT| 000003D0: 48 45 52 20 47 52 4F 55 50 20 49 4E 53 55 52 41 |HER GROUP INSURA| 000003E0: 4E 43 45 53 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D |NCES ---------| 000003F0: 2D 2D 2D 0D 22 20 20 20 20 28 33 29 C4 45 41 54 |---." (3).EAT| 00000400: 48 20 42 45 4E 45 46 49 54 53 20 46 52 4F 4D 20 |H BENEFITS FROM | 00000410: 59 4F 55 52 20 50 45 4E 53 49 4F 4E 2C 20 50 52 |YOUR PENSION, PR| 00000420: 4F 46 49 54 2D 53 48 41 52 49 4E 47 2C 0D 22 20 |OFIT-SHARING,." | 00000430: 20 20 20 20 20 20 44 45 46 45 52 52 45 44 20 49 | DEFERRED I| 00000440: 4E 43 4F 4D 45 2C 20 41 4E 44 20 4F 54 48 45 52 |NCOME, AND OTHER| 00000450: 20 50 4C 41 4E 53 20 20 20 20 20 20 20 20 20 20 | PLANS | 00000460: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000470: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 |------------." | 00000480: 20 20 28 34 29 C6 52 4F 4D 20 D3 4F 43 49 41 4C | (4).ROM .OCIAL| 00000490: 20 D3 45 43 55 52 49 54 59 2C 20 56 45 54 45 52 | .ECURITY, VETER| 000004A0: 41 4E 53 27 2C 20 41 4E 44 20 4F 54 48 45 52 20 |ANS', AND OTHER | 000004B0: 47 4F 56 45 52 4E 4D 45 4E 54 0D 22 20 20 20 20 |GOVERNMENT." | 000004C0: 20 20 20 53 4F 55 52 43 45 53 20 20 20 20 20 20 | SOURCES | 000004D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000004E0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000004F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 2D 2D 2D | ---| 00000500: 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 28 |---------." (| 00000510: 35 29 CF 54 48 45 52 3A 2D 2D 2D 2D 2D 2D 2D 2D |5).THER:--------| 00000520: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000530: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000540: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 20 20 2D 2D 2D 2D |---------- ----| 00000550: 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 0D 22 20 20 20 20 |--------."." | 00000560: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000570: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000580: 28 36 29 D4 4F 54 41 4C 20 CC 55 4D 50 2D D3 55 |(6).OTAL .UMP-.U| 00000590: 4D 20 C2 45 4E 45 46 49 54 53 20 20 24 2D 2D 2D |M .ENEFITS $---| 000005A0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 20 |---------." | 000005B0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000005C0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000005D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000005E0: 20 20 20 20 20 20 20 20 20 20 20 3D 3D 3D 3D 3D | =====| 000005F0: 3D 3D 3D 3D 3D 3D 3D 3D 0D 22 0D 22 0D 22 20 20 |========."."." | 00000600: 28 C2 29 CC 55 4D 50 2D D3 55 4D 20 C5 58 50 45 |(.).UMP-.UM .XPE| 00000610: 4E 53 45 53 0D 22 20 20 20 20 28 31 29 C3 45 4D |NSES." (1).EM| 00000620: 45 54 45 52 59 20 50 4C 4F 54 20 41 4E 44 20 46 |ETERY PLOT AND F| 00000630: 55 4E 45 52 41 4C 20 43 4F 53 54 53 20 28 4E 4F |UNERAL COSTS (NO| 00000640: 54 20 50 52 45 50 41 49 44 29 20 20 20 20 20 20 |T PREPAID) | 00000650: 20 20 20 20 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D | $---------| 00000660: 2D 2D 2D 0D 22 20 20 20 20 28 32 29 CE 4F 4E 2D |---." (2).ON-| 00000670: 48 45 41 4C 54 48 2D 49 4E 53 55 52 45 44 20 43 |HEALTH-INSURED C| 00000680: 4F 53 54 53 20 4F 46 20 41 4E 20 45 58 50 45 4E |OSTS OF AN EXPEN| 00000690: 53 49 56 45 20 54 45 52 4D 49 4E 41 4C 0D 22 20 |SIVE TERMINAL." | 000006A0: 20 20 20 20 20 20 49 4C 4C 4E 45 53 53 20 20 20 | ILLNESS | 000006B0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000006C0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000006D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000006E0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 |------------." | 000006F0: 20 20 28 33 29 D4 41 58 2C 20 50 52 4F 42 41 54 | (3).AX, PROBAT| 00000700: 45 2C 20 41 54 54 4F 52 4E 45 59 2C 20 41 4E 44 |E, ATTORNEY, AND| 00000710: 20 4F 54 48 45 52 20 45 53 54 41 54 45 20 45 58 | OTHER ESTATE EX| 00000720: 50 45 4E 53 45 53 20 20 20 20 20 20 20 20 20 2D |PENSES -| 00000730: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 |-----------." | 00000740: 20 28 34 29 D4 4F 20 50 41 59 20 59 4F 55 52 20 | (4).O PAY YOUR | 00000750: 45 58 49 53 54 49 4E 47 20 44 45 42 54 53 20 4E |EXISTING DEBTS N| 00000760: 4F 54 20 43 4F 4C 4C 41 54 45 52 41 4C 49 5A 45 |OT COLLATERALIZE| 00000770: 44 2C 20 4F 52 0D 22 20 20 20 20 20 20 20 43 4F |D, OR." CO| 00000780: 56 45 52 45 44 20 42 59 20 52 45 44 45 4D 50 54 |VERED BY REDEMPT| 00000790: 49 4F 4E 20 49 4E 53 55 52 41 4E 43 45 20 20 20 |ION INSURANCE | 000007A0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000007B0: 20 20 20 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D | --------| 000007C0: 2D 2D 2D 2D 0D 22 20 20 20 20 28 35 29 D4 52 41 |----." (5).RA| 000007D0: 4E 53 49 54 49 4F 4E 41 4C 20 46 55 4E 44 53 20 |NSITIONAL FUNDS | 000007E0: 54 4F 20 48 45 4C 50 20 54 49 44 45 20 59 4F 55 |TO HELP TIDE YOU| 000007F0: 52 20 42 45 4E 45 46 49 43 49 41 52 49 45 53 20 |R BENEFICIARIES | 00000800: 4F 56 45 52 0D 22 20 20 20 20 20 20 20 41 53 20 |OVER." AS | 00000810: 54 48 45 59 20 41 44 4A 55 53 54 20 41 46 54 45 |THEY ADJUST AFTE| 00000820: 52 20 59 4F 55 52 20 44 45 41 54 48 20 20 20 20 |R YOUR DEATH | 00000830: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000840: 20 20 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D | ---------| 00000850: 2D 2D 2D 0D 22 20 20 20 20 28 36 29 CF 54 48 45 |---." (6).THE| 00000860: 52 3A 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |R:--------------| 00000870: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000880: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000890: 2D 2D 2D 2D 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |---- ----------| 000008A0: 2D 2D 0D 22 0D 22 20 20 20 20 20 20 20 20 20 20 |--."." | 000008B0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000008C0: 20 20 20 20 20 20 20 20 20 20 28 37 29 D4 4F 54 | (7).OT| 000008D0: 41 4C 20 CC 55 4D 50 2D D3 55 4D 20 C5 58 50 45 |AL .UMP-.UM .XPE| 000008E0: 4E 53 45 53 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D |NSES $---------| 000008F0: 2D 2D 2D 0D 22 20 20 20 20 20 20 20 20 20 20 20 |---." | 00000900: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000910: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000920: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000930: 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ==========| 00000940: 3D 3D 0D 22 0D 22 0D 22 20 20 28 C3 29 C4 49 46 |==."."." (.).IF| 00000950: 46 45 52 45 4E 43 45 20 C2 45 54 57 45 45 4E 20 |FERENCE .ETWEEN | 00000960: C2 45 4E 45 46 49 54 53 20 41 4E 44 20 C5 58 50 |.ENEFITS AND .XP| 00000970: 45 4E 53 45 53 20 C1 42 4F 56 45 0D 22 20 20 20 |ENSES .BOVE." | 00000980: 20 28 31 29 C5 58 43 45 53 53 20 4F 46 20 42 45 | (1).XCESS OF BE| 00000990: 4E 45 46 49 54 53 28 C9 54 45 4D 20 C9 C1 36 29 |NEFITS(.TEM ..6)| 000009A0: 20 4F 56 45 52 20 45 58 50 45 4E 53 45 53 28 C9 | OVER EXPENSES(.| 000009B0: 54 45 4D 20 C9 C2 37 29 3B 4F 52 3A 20 24 2D 2D |TEM ..7);OR: $--| 000009C0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 |----------." | 000009D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000009E0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000009F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000A00: 20 20 20 20 20 20 20 20 20 20 20 20 20 3D 3D 3D | ===| 00000A10: 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 22 20 20 20 20 28 |=========." (| 00000A20: 32 29 C5 58 43 45 53 53 20 4F 46 20 45 58 50 45 |2).XCESS OF EXPE| 00000A30: 4E 53 45 53 28 C9 54 45 4D 20 C9 C2 37 29 20 4F |NSES(.TEM ..7) O| 00000A40: 56 45 52 20 42 45 4E 45 46 49 54 53 28 C9 54 45 |VER BENEFITS(.TE| 00000A50: 4D 20 C9 C1 36 29 20 20 20 20 20 24 2D 2D 2D 2D |M ..6) $----| 00000A60: 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 20 20 |--------." | 00000A70: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000A80: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000A90: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000AA0: 20 20 20 20 20 20 20 20 20 20 20 3D 3D 3D 3D 3D | =====| 00000AB0: 3D 3D 3D 3D 3D 3D 3D 0D 22 0D 22 0D 22 0D 22 0D |=======.".".".".| 00000AC0: 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D |".".".".".".".".| 00000AD0: 22 28 C9 C9 29 CF CE C7 CF C9 CE C7 20 C9 CE C3 |"(..)....... ...| 00000AE0: CF CD C5 20 C1 CE C4 20 C5 D8 D0 C5 CE D3 C5 D3 |... ... ........| 00000AF0: 20 C1 C6 D4 C5 D2 20 D9 CF D5 D2 20 C4 C5 C1 D4 | ..... .... ....| 00000B00: C8 20 CF C6 0D 22 20 20 20 20 D4 C8 CF D3 C5 20 |. ..." ..... | 00000B10: D7 C8 CF CD 20 D9 CF D5 20 D7 C1 CE D4 20 D4 CF |.... ... .... ..| 00000B20: 20 D0 D2 CF D4 C5 C3 D4 20 D7 C9 D4 C8 20 D9 CF | ....... .... ..| 00000B30: D5 D2 20 CC C9 C6 C5 20 C9 CE D3 D5 D2 C1 CE C3 |.. .... ........| 00000B40: C5 0D 22 20 20 28 C1 29 D4 48 45 49 52 20 C9 4E |.." (.).HEIR .N| 00000B50: 43 4F 4D 45 20 20 20 20 20 20 20 20 20 20 20 20 |COME | 00000B60: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000B70: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000B80: 20 20 20 20 20 20 C1 4E 4E 55 41 4C 4C 59 0D 22 | .NNUALLY."| 00000B90: 20 20 20 20 28 31 29 D4 48 45 49 52 20 4E 45 54 | (1).HEIR NET| 00000BA0: 20 57 4F 52 4B 49 4E 47 20 49 4E 43 4F 4D 45 20 | WORKING INCOME | 00000BB0: 28 41 46 54 45 52 20 54 41 58 45 53 20 41 4E 44 |(AFTER TAXES AND| 00000BC0: 20 50 41 59 0D 22 20 20 20 20 20 20 20 44 45 44 | PAY." DED| 00000BD0: 55 43 54 49 4F 4E 53 29 20 20 20 20 20 20 20 20 |UCTIONS) | 00000BE0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000BF0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000C00: 20 20 20 20 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D | $---------| 00000C10: 2D 2D 2D 0D 22 20 20 20 20 28 32 29 D4 48 45 49 |---." (2).HEI| 00000C20: 52 20 49 4E 43 4F 4D 45 20 46 52 4F 4D 20 49 4E |R INCOME FROM IN| 00000C30: 54 45 52 45 53 54 2C 20 44 49 56 49 44 45 4E 44 |TEREST, DIVIDEND| 00000C40: 53 2C 20 52 45 4E 54 53 2C 20 45 54 43 2E 0D 22 |S, RENTS, ETC.."| 00000C50: 20 20 20 20 20 20 20 46 52 4F 4D 20 41 53 53 45 | FROM ASSE| 00000C60: 54 53 20 4F 57 4E 45 44 20 42 59 20 54 48 45 4D |TS OWNED BY THEM| 00000C70: 20 28 53 4F 4D 45 20 4F 46 20 57 48 49 43 48 20 | (SOME OF WHICH | 00000C80: 4D 41 59 20 48 41 56 45 20 42 45 45 4E 0D 22 20 |MAY HAVE BEEN." | 00000C90: 20 20 20 20 20 20 49 4E 48 45 52 49 54 45 44 20 | INHERITED | 00000CA0: 46 52 4F 4D 20 59 4F 55 29 20 20 20 20 20 20 20 |FROM YOU) | 00000CB0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000CC0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000CD0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 |------------." | 00000CE0: 20 20 28 33 29 D4 48 45 49 52 20 49 4E 43 4F 4D | (3).HEIR INCOM| 00000CF0: 45 20 46 52 4F 4D 20 59 4F 55 52 20 49 4E 44 49 |E FROM YOUR INDI| 00000D00: 56 49 44 55 41 4C 2C 20 45 4D 50 4C 4F 59 4D 45 |VIDUAL, EMPLOYME| 00000D10: 4E 54 2C 0D 22 20 20 20 20 20 20 20 47 4F 56 45 |NT,." GOVE| 00000D20: 52 4E 4D 45 4E 54 2C 20 41 4E 44 20 4F 54 48 45 |RNMENT, AND OTHE| 00000D30: 52 20 49 4E 53 55 52 41 4E 43 45 53 20 41 4E 44 |R INSURANCES AND| 00000D40: 20 50 52 4F 47 52 41 4D 53 20 28 C9 54 45 4D 0D | PROGRAMS (.TEM.| 00000D50: 22 20 20 20 20 20 20 20 C9 C1 20 41 42 4F 56 45 |" .. ABOVE| 00000D60: 29 20 54 48 41 54 20 50 41 59 20 49 4E 20 49 4E |) THAT PAY IN IN| 00000D70: 53 54 41 4C 4C 4D 45 4E 54 53 20 52 41 54 48 45 |STALLMENTS RATHE| 00000D80: 52 20 54 48 41 4E 20 4C 55 4D 50 20 53 55 4D 53 |R THAN LUMP SUMS| 00000D90: 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 | ------------."| 00000DA0: 20 20 20 20 28 34 29 C9 4E 54 45 52 45 53 54 2C | (4).NTEREST,| 00000DB0: 20 44 49 56 49 44 45 4E 44 53 2C 20 4F 52 20 4F | DIVIDENDS, OR O| 00000DC0: 54 48 45 52 20 49 4E 43 4F 4D 45 20 46 52 4F 4D |THER INCOME FROM| 00000DD0: 20 49 4E 56 45 53 54 4D 45 4E 54 0D 22 20 20 20 | INVESTMENT." | 00000DE0: 20 20 20 20 4F 46 20 54 48 45 20 41 4D 4F 55 4E | OF THE AMOUN| 00000DF0: 54 20 4C 45 46 54 20 4F 56 45 52 2C 20 49 46 20 |T LEFT OVER, IF | 00000E00: 41 4E 59 2C 20 49 4E 20 C9 54 45 4D 20 C9 C3 31 |ANY, IN .TEM ..1| 00000E10: 20 41 42 4F 56 45 20 20 20 20 20 20 20 20 2D 2D | ABOVE --| 00000E20: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 |----------." | 00000E30: 28 35 29 CF 54 48 45 52 3A 2D 2D 2D 2D 2D 2D 2D |(5).THER:-------| 00000E40: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000E50: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000E60: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 20 20 2D 2D 2D |----------- ---| 00000E70: 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 0D 22 20 20 20 |---------."." | 00000E80: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000E90: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000EA0: 20 20 20 20 20 20 28 36 29 D4 48 45 49 52 20 D4 | (6).HEIR .| 00000EB0: 4F 54 41 4C 20 C9 4E 43 4F 4D 45 20 20 24 2D 2D |OTAL .NCOME $--| 00000EC0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 |----------." | 00000ED0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000EE0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000EF0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000F00: 20 20 20 20 20 20 20 20 20 20 20 20 20 3D 3D 3D | ===| 00000F10: 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 22 0D 22 0D 22 20 |=========."."." | 00000F20: 20 28 C2 29 D4 48 45 49 52 20 C5 58 50 45 4E 53 | (.).HEIR .XPENS| 00000F30: 45 53 0D 22 20 20 20 20 28 31 29 D4 48 45 49 52 |ES." (1).HEIR| 00000F40: 20 4F 52 44 49 4E 41 52 59 20 4C 49 56 49 4E 47 | ORDINARY LIVING| 00000F50: 20 45 58 50 45 4E 53 45 53 20 28 46 4F 4F 44 2C | EXPENSES (FOOD,| 00000F60: 20 48 4F 55 53 49 4E 47 2C 20 43 4C 4F 54 48 49 | HOUSING, CLOTHI| 00000F70: 4E 47 2C 0D 22 20 20 20 20 20 20 20 54 52 41 4E |NG,." TRAN| 00000F80: 53 50 4F 52 54 41 54 49 4F 4E 2C 20 49 4E 53 55 |SPORTATION, INSU| 00000F90: 52 41 4E 43 45 2C 20 52 45 43 52 45 41 54 49 4F |RANCE, RECREATIO| 00000FA0: 4E 2C 20 50 45 52 53 4F 4E 41 4C 20 43 41 52 45 |N, PERSONAL CARE| 00000FB0: 2C 0D 22 20 20 20 20 20 20 20 45 54 43 2E 29 20 |,." ETC.) | 00000FC0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000FD0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000FE0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000FF0: 20 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | $------------| 00001000: 0D 22 20 20 20 20 28 32 29 C4 45 54 45 52 4D 49 |." (2).ETERMI| 00001010: 4E 45 20 57 48 49 43 48 20 45 58 54 52 41 4F 52 |NE WHICH EXTRAOR| 00001020: 44 49 4E 41 52 59 20 45 58 50 45 4E 53 45 53 2C |DINARY EXPENSES,| 00001030: 20 49 46 20 41 4E 59 2C 20 54 48 45 59 0D 22 20 | IF ANY, THEY." | 00001040: 20 20 20 20 20 20 4D 41 59 20 49 4E 43 55 52 20 | MAY INCUR | 00001050: 28 53 55 43 48 20 41 53 20 43 4F 4C 4C 45 47 45 |(SUCH AS COLLEGE| 00001060: 20 45 44 55 43 41 54 49 4F 4E 53 20 41 4E 44 20 | EDUCATIONS AND | 00001070: 57 45 44 44 49 4E 47 53 29 2C 0D 22 20 20 20 20 |WEDDINGS),." | 00001080: 20 20 20 41 4E 44 20 44 49 56 49 44 45 20 54 48 | AND DIVIDE TH| 00001090: 45 20 54 4F 54 41 4C 20 41 4D 4F 55 4E 54 20 42 |E TOTAL AMOUNT B| 000010A0: 59 20 54 48 45 20 4E 55 4D 42 45 52 20 4F 46 20 |Y THE NUMBER OF | 000010B0: 59 45 41 52 53 20 59 4F 55 0D 22 20 20 20 20 20 |YEARS YOU." | 000010C0: 20 20 57 41 4E 54 20 54 4F 20 50 52 4F 56 49 44 | WANT TO PROVID| 000010D0: 45 20 46 4F 52 20 54 48 45 4D 2C 20 41 4E 44 20 |E FOR THEM, AND | 000010E0: 45 4E 54 45 52 20 54 48 45 20 52 45 53 55 4C 54 |ENTER THE RESULT| 000010F0: 49 4E 47 0D 22 20 20 20 20 20 20 20 41 4E 4E 55 |ING." ANNU| 00001100: 41 4C 20 46 49 47 55 52 45 20 41 54 20 52 49 47 |AL FIGURE AT RIG| 00001110: 48 54 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |HT | 00001120: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001130: 20 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | ----------| 00001140: 2D 2D 0D 22 20 20 20 20 28 33 29 CF 54 48 45 52 |--." (3).THER| 00001150: 3A 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |:---------------| 00001160: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00001170: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00001180: 2D 2D 2D 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |--- -----------| 00001190: 2D 0D 22 0D 22 20 20 20 20 20 20 20 20 20 20 20 |-."." | 000011A0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000011B0: 20 20 20 20 20 20 20 20 20 20 20 20 28 34 29 D4 | (4).| 000011C0: 48 45 49 52 20 D4 4F 54 41 4C 20 C5 58 50 45 4E |HEIR .OTAL .XPEN| 000011D0: 53 45 53 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |SES $----------| 000011E0: 2D 2D 0D 22 20 20 20 20 20 20 20 20 20 20 20 20 |--." | 000011F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001200: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001210: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001220: 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ===========| 00001230: 3D 0D 22 0D 22 0D 22 20 28 C3 29 C4 49 46 46 45 |=."."." (.).IFFE| 00001240: 52 45 4E 43 45 20 C2 45 54 57 45 45 4E 20 C9 4E |RENCE .ETWEEN .N| 00001250: 43 4F 4D 45 20 41 4E 44 20 C5 58 50 45 4E 53 45 |COME AND .XPENSE| 00001260: 53 20 C1 42 4F 56 45 0D 22 20 20 20 28 31 29 C1 |S .BOVE." (1).| 00001270: 4D 4F 55 4E 54 20 4F 46 20 49 4E 43 4F 4D 45 28 |MOUNT OF INCOME(| 00001280: C9 54 45 4D 20 C9 C9 C1 36 29 20 45 58 43 45 45 |.TEM ...6) EXCEE| 00001290: 44 49 4E 47 20 45 58 50 45 4E 53 45 53 28 C9 54 |DING EXPENSES(.T| 000012A0: 45 4D 20 C9 C9 C2 34 29 2A 24 2D 2D 2D 2D 2D 2D |EM ...4)*$------| 000012B0: 2D 2D 2D 2D 2D 2D 0D 22 20 20 20 20 20 20 20 20 |------." | 000012C0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000012D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000012E0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000012F0: 20 20 20 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D | =======| 00001300: 3D 3D 3D 3D 3D 0D 22 20 20 20 28 32 29 C1 4D 4F |=====." (2).MO| 00001310: 55 4E 54 20 4F 46 20 45 58 50 45 4E 53 45 53 28 |UNT OF EXPENSES(| 00001320: C9 54 45 4D 20 C9 C9 C2 34 29 20 45 58 43 45 45 |.TEM ...4) EXCEE| 00001330: 44 49 4E 47 20 49 4E 43 4F 4D 45 28 C9 54 45 4D |DING INCOME(.TEM| 00001340: 20 C9 C9 C1 36 29 2A 24 2D 2D 2D 2D 2D 2D 2D 2D | ...6)*$--------| 00001350: 2D 2D 2D 2D 0D 22 20 20 20 20 20 20 20 20 20 20 |----." | 00001360: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001370: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001380: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001390: 20 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D | =========| 000013A0: 3D 3D 3D 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D |===.".".".".".".| 000013B0: 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D |".".".".".".".".| 000013C0: 22 0D 22 0D 22 0D 22 0D 22 0D 22 2A C9 54 45 4D |"."."."."."*.TEM| 000013D0: 53 20 C9 C9 C3 31 2C 20 41 4E 44 20 C9 C9 C3 32 |S ...1, AND ...2| 000013E0: 20 53 48 4F 55 4C 44 20 42 45 20 41 44 4A 55 53 | SHOULD BE ADJUS| 000013F0: 54 45 44 20 46 4F 52 20 57 48 45 4E 20 59 4F 55 |TED FOR WHEN YOU| 00001400: 20 57 41 4E 54 20 54 4F 20 53 54 4F 50 20 50 52 | WANT TO STOP PR| 00001410: 4F 56 49 44 49 4E 47 0D 22 46 4F 52 20 53 4F 4D |OVIDING."FOR SOM| 00001420: 45 20 4F 46 20 59 4F 55 52 20 42 45 4E 45 46 49 |E OF YOUR BENEFI| 00001430: 43 49 41 52 49 45 53 20 28 53 55 43 48 20 41 53 |CIARIES (SUCH AS| 00001440: 20 57 48 45 4E 20 43 48 49 4C 44 52 45 4E 20 47 | WHEN CHILDREN G| 00001450: 52 4F 57 20 55 50 29 2E 0D 22 0D 22 0D 22 0D 22 |ROW UP).."."."."| 00001460: 0D 22 0D 22 0D 22 28 C9 C9 C9 29 C4 CF 20 D9 CF |."."."(...).. ..| 00001470: D5 20 CE C5 C5 C4 20 CD CF D2 C5 20 CC C9 C6 C5 |. .... .... ....| 00001480: 20 C9 CE D3 D5 D2 C1 CE C3 C5 3F 20 CF D2 20 C1 | .........? .. .| 00001490: D2 C5 20 D9 CF D5 20 CF D6 C5 D2 C9 CE D3 D5 D2 |.. ... .........| 000014A0: C5 C4 3F 0D 22 20 20 28 C1 29 C1 44 44 49 54 49 |..?." (.).DDITI| 000014B0: 4F 4E 41 4C 20 4C 49 46 45 20 49 4E 53 55 52 41 |ONAL LIFE INSURA| 000014C0: 4E 43 45 20 57 49 54 48 20 4C 55 4D 50 2D 53 55 |NCE WITH LUMP-SU| 000014D0: 4D 20 50 52 4F 43 45 45 44 53 20 54 4F 20 50 41 |M PROCEEDS TO PA| 000014E0: 59 0D 22 20 20 20 20 20 C9 54 45 4D 20 C9 C3 32 |Y." .TEM ..2| 000014F0: 20 41 42 4F 56 45 20 28 45 58 43 45 53 53 20 4F | ABOVE (EXCESS O| 00001500: 46 20 4C 55 4D 50 2D 53 55 4D 20 45 58 50 45 4E |F LUMP-SUM EXPEN| 00001510: 53 45 53 20 4F 56 45 52 20 4C 55 4D 50 2D 53 55 |SES OVER LUMP-SU| 00001520: 4D 0D 22 20 20 20 20 20 42 45 4E 45 46 49 54 53 |M." BENEFITS| 00001530: 29 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |) | 00001540: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001550: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001560: 20 20 20 24 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | $------------| 00001570: 0D 22 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |." | 00001580: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001590: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000015A0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000015B0: 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D | ============.| 000015C0: 22 0D 22 20 20 28 C2 29 C1 44 44 49 54 49 4F 4E |"." (.).DDITION| 000015D0: 41 4C 20 4C 49 46 45 20 49 4E 53 55 52 41 4E 43 |AL LIFE INSURANC| 000015E0: 45 20 54 4F 20 50 52 4F 56 49 44 45 20 59 4F 55 |E TO PROVIDE YOU| 000015F0: 52 20 42 45 4E 45 46 49 43 49 41 52 49 45 53 0D |R BENEFICIARIES.| 00001600: 22 20 20 20 20 20 57 49 54 48 20 54 48 45 20 49 |" WITH THE I| 00001610: 4E 43 4F 4D 45 20 28 46 52 4F 4D 20 49 4E 43 4F |NCOME (FROM INCO| 00001620: 4D 45 20 50 41 49 44 20 42 59 20 54 48 45 20 50 |ME PAID BY THE P| 00001630: 4F 4C 49 43 49 45 53 2C 20 4F 52 20 46 52 4F 4D |OLICIES, OR FROM| 00001640: 0D 22 20 20 20 20 20 49 4E 43 4F 4D 45 20 52 45 |." INCOME RE| 00001650: 53 55 4C 54 49 4E 47 20 46 52 4F 4D 20 49 4E 56 |SULTING FROM INV| 00001660: 45 53 54 4D 45 4E 54 20 4F 46 20 4C 55 4D 50 20 |ESTMENT OF LUMP | 00001670: 53 55 4D 53 20 50 41 49 44 20 42 59 20 54 48 45 |SUMS PAID BY THE| 00001680: 0D 22 20 20 20 20 20 50 4F 4C 49 43 49 45 53 29 |." POLICIES)| 00001690: 20 4E 45 45 44 45 44 20 54 4F 20 4D 41 4B 45 20 | NEEDED TO MAKE | 000016A0: 55 50 20 54 48 45 20 44 49 46 46 45 52 45 4E 43 |UP THE DIFFERENC| 000016B0: 45 20 4F 46 20 C9 54 45 4D 20 C9 C9 C3 32 0D 22 |E OF .TEM ...2."| 000016C0: 20 20 20 20 20 28 41 4D 4F 55 4E 54 20 4F 46 20 | (AMOUNT OF | 000016D0: 45 58 50 45 4E 53 45 53 20 45 58 43 45 45 44 49 |EXPENSES EXCEEDI| 000016E0: 4E 47 20 49 4E 43 4F 4D 45 29 2A 20 20 20 20 20 |NG INCOME)* | 000016F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001700: 24 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 22 20 |$------------." | 00001710: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001720: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001730: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001740: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001750: 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 22 0D 22 |============."."| 00001760: 20 20 28 C3 29 D9 4F 55 20 4D 41 59 20 42 45 20 | (.).OU MAY BE | 00001770: 50 41 59 49 4E 47 20 46 4F 52 20 4D 4F 52 45 20 |PAYING FOR MORE | 00001780: 49 4E 53 55 52 41 4E 43 45 20 54 48 41 4E 20 59 |INSURANCE THAN Y| 00001790: 4F 55 20 4E 45 45 44 2C 20 49 46 0D 22 20 20 20 |OU NEED, IF." | 000017A0: 20 20 59 4F 55 52 20 43 41 4C 43 55 4C 41 54 49 | YOUR CALCULATI| 000017B0: 4F 4E 53 20 41 42 4F 56 45 20 53 48 4F 57 20 45 |ONS ABOVE SHOW E| 000017C0: 58 43 45 53 53 45 53 20 49 4E 20 C9 54 45 4D 20 |XCESSES IN .TEM | 000017D0: C9 C3 31 20 28 4C 45 46 54 0D 22 20 20 20 20 20 |..1 (LEFT." | 000017E0: 4F 56 45 52 20 46 52 4F 4D 20 4C 55 4D 50 2D 53 |OVER FROM LUMP-S| 000017F0: 55 4D 20 42 45 4E 45 46 49 54 53 29 20 41 4E 44 |UM BENEFITS) AND| 00001800: 20 C9 C9 C3 31 20 28 41 4D 4F 55 4E 54 20 4F 46 | ...1 (AMOUNT OF| 00001810: 20 4F 4E 47 4F 49 4E 47 0D 22 20 20 20 20 20 49 | ONGOING." I| 00001820: 4E 43 4F 4D 45 20 45 58 43 45 45 44 49 4E 47 20 |NCOME EXCEEDING | 00001830: 45 58 50 45 4E 53 45 53 29 2E 0D 22 0D 22 0D 22 |EXPENSES).."."."| 00001840: 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 |."."."."."."."."| 00001850: 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 |."."."."."."."."| 00001860: 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 |."."."."."."."."| 00001870: 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 |."."."."."."."."| 00001880: 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 0D 22 2A C9 |."."."."."."."*.| 00001890: 54 45 4D 20 C9 C9 C9 C2 20 53 48 4F 55 4C 44 20 |TEM .... SHOULD | 000018A0: 42 45 20 41 44 4A 55 53 54 45 44 20 46 4F 52 20 |BE ADJUSTED FOR | 000018B0: 57 48 45 4E 20 59 4F 55 20 57 41 4E 54 20 54 4F |WHEN YOU WANT TO| 000018C0: 20 53 54 4F 50 20 50 52 4F 56 49 44 49 4E 47 20 | STOP PROVIDING | 000018D0: 46 4F 52 20 53 4F 4D 45 20 4F 46 0D 22 59 4F 55 |FOR SOME OF."YOU| 000018E0: 52 20 42 45 4E 45 46 49 43 49 41 52 49 45 53 20 |R BENEFICIARIES | 000018F0: 28 53 55 43 48 20 41 53 20 57 48 45 4E 20 43 48 |(SUCH AS WHEN CH| 00001900: 49 4C 44 52 45 4E 20 47 52 4F 57 20 55 50 29 2E |ILDREN GROW UP).| 00001910: 0D 0D 0D 0D 0D 80 0D 0A |........ |
"."." HOW MUCH LIFE
INSURANCE DO YOU NEED?."."."."."WHOM DO
YOU WANT TO PROTECT WITH YOUR LIFE INSUR
ANCE?."-- YOUR SPOUSE -- YOUR CHILDREN
-- YOUR CHILDREN FROM A PRIOR MARRIAGE.
"-- YOUR PARENTS -- OTHER:-------------
---------------------------------."."TO
WHAT EXTENT DO YOU WANT TO PROTECT THEM?
."-- TO PROVIDE FOR THEIR PRESENT LIFEST
YLE -- FOR A MORE AFFLUENT."LIFESTYLE
-- FOR A MORE MODEST LIFESTYLE."."HOW LO
NG DO YOU WANT TO PROTECT EACH? --------
--------------------------."."."FOR SIMP
LICITY BELOW, ASSUME THAT INCREASES IN Y
OUR BENEFICIARIES' INCOME WILL."KEEP PAC
E WITH THE INCREASES FROM INFLATION. US
E SEPARATE SHEETS FOR."ACCOMPANYING SCHE
DULES AND COMPUTATIONS. REDETERMINE PER
IODICALLY OR WHEN."YOUR CIRCUMSTANCES CH
ANGE SIGNIFICANTLY.."."(I)LUMP-SUM BENEF
ITS AND EXPENSES WHEN YOU DIE." (A)LUMP
-SUM BENEFITS." (1)FROM YOUR PRESENT
INDIVIDUAL INSURANCES $
------------." (2)FROM YOUR PRESENT E
MPLOYMENT AND OTHER GROUP INSURANCES -
-----------." (3)DEATH BENEFITS FROM
YOUR PENSION, PROFIT-SHARING,." DE
FERRED INCOME, AND OTHER PLANS
------------." (4)FRO
M SOCIAL SECURITY, VETERANS', AND OTHER
GOVERNMENT." SOURCES
---
---------." (5)OTHER:----------------
---------------------------------- ----
--------."."
(6)TOTAL LUMP-SUM BENEFITS $---
---------."
=====
========."."." (B)LUMP-SUM EXPENSES."
(1)CEMETERY PLOT AND FUNERAL COSTS (NO
T PREPAID) $------------."
(2)NON-HEALTH-INSURED COSTS OF AN EXPEN
SIVE TERMINAL." ILLNESS
------------." (3)TAX, PROBATE, ATTOR
NEY, AND OTHER ESTATE EXPENSES -
-----------." (4)TO PAY YOUR EXISTING
DEBTS NOT COLLATERALIZED, OR." CO
VERED BY REDEMPTION INSURANCE
------------." (5)TRA
NSITIONAL FUNDS TO HELP TIDE YOUR BENEFI
CIARIES OVER." AS THEY ADJUST AFTE
R YOUR DEATH -
-----------." (6)OTHER:--------------
------------------------------------ --
----------."."
(7)TOTAL LUMP-SUM EXPENSES $-
-----------."
==
==========."."." (C)DIFFERENCE BETWEEN
BENEFITS AND EXPENSES ABOVE." (1)EXCE
SS OF BENEFITS(ITEM IA6) OVER EXPENSES(I
TEM IB7);OR: $------------."
============." (2)EXCESS
OF EXPENSES(ITEM IB7) OVER BENEFITS(ITE
M IA6) $------------."
============.".".".".".".".".
"."."."."(II)ONGOING INCOME AND EXPENSES
AFTER YOUR DEATH OF." THOSE WHOM YOU
WANT TO PROTECT WITH YOUR LIFE INSURANC
E." (A)THEIR INCOME
ANNUALLY."
(1)THEIR NET WORKING INCOME (AFTER T
AXES AND PAY." DEDUCTIONS)
$-
-----------." (2)THEIR INCOME FROM IN
TEREST, DIVIDENDS, RENTS, ETC.." F
ROM ASSETS OWNED BY THEM (SOME OF WHICH
MAY HAVE BEEN." INHERITED FROM YOU
)
------------." (3)THEIR INCOME FROM Y
OUR INDIVIDUAL, EMPLOYMENT,." GOVE
RNMENT, AND OTHER INSURANCES AND PROGRAM
S (ITEM." IA ABOVE) THAT PAY IN IN
STALLMENTS RATHER THAN LUMP SUMS ------
------." (4)INTEREST, DIVIDENDS, OR O
THER INCOME FROM INVESTMENT." OF T
HE AMOUNT LEFT OVER, IF ANY, IN ITEM IC1
ABOVE ------------." (5)OTHER
:---------------------------------------
----------- ------------."."
(6)THEIR T
OTAL INCOME $------------."
============."."." (B)THEI
R EXPENSES." (1)THEIR ORDINARY LIVING
EXPENSES (FOOD, HOUSING, CLOTHING,."
TRANSPORTATION, INSURANCE, RECREATIO
N, PERSONAL CARE,." ETC.)
$------------." (2)DETERMINE WHICH
EXTRAORDINARY EXPENSES, IF ANY, THEY."
MAY INCUR (SUCH AS COLLEGE EDUCATI
ONS AND WEDDINGS),." AND DIVIDE TH
E TOTAL AMOUNT BY THE NUMBER OF YEARS YO
U." WANT TO PROVIDE FOR THEM, AND
ENTER THE RESULTING." ANNUAL FIGUR
E AT RIGHT
------------." (3)OTHER:-------
----------------------------------------
--- ------------."."
(4)THEIR TOTAL EXPEN
SES $------------."
============."."." (C)DIFFERENCE BE
TWEEN INCOME AND EXPENSES ABOVE." (1)A
MOUNT OF INCOME(ITEM IIA6) EXCEEDING EXP
ENSES(ITEM IIB4)*$------------."
============." (2)AMO
UNT OF EXPENSES(ITEM IIB4) EXCEEDING INC
OME(ITEM IIA6)*$------------."
============.".".".".".".
"."."."."."."."."."."."."."*ITEMS IIC1,
AND IIC2 SHOULD BE ADJUSTED FOR WHEN YOU
WANT TO STOP PROVIDING."FOR SOME OF YOU
R BENEFICIARIES (SUCH AS WHEN CHILDREN G
ROW UP).."."."."."."."(III)DO YOU NEED M
ORE LIFE INSURANCE? OR ARE YOU OVERINSUR
ED?." (A)ADDITIONAL LIFE INSURANCE WITH
LUMP-SUM PROCEEDS TO PAY." ITEM IC2
ABOVE (EXCESS OF LUMP-SUM EXPENSES OVER
LUMP-SUM." BENEFITS)
$----
--------."
=====
=======."." (B)ADDITIONAL LIFE INSURANC
E TO PROVIDE YOUR BENEFICIARIES." WI
TH THE INCOME (FROM INCOME PAID BY THE P
OLICIES, OR FROM." INCOME RESULTING
FROM INVESTMENT OF LUMP SUMS PAID BY THE
." POLICIES) NEEDED TO MAKE UP THE D
IFFERENCE OF ITEM IIC2." (AMOUNT OF
EXPENSES EXCEEDING INCOME)*
$------------."
============."." (C)YOU MAY BE
PAYING FOR MORE INSURANCE THAN YOU NEED,
IF." YOUR CALCULATIONS ABOVE SHOW E
XCESSES IN ITEM IC1 (LEFT." OVER FRO
M LUMP-SUM BENEFITS) AND IIC1 (AMOUNT OF
ONGOING." INCOME EXCEEDING EXPENSES
).."."."."."."."."."."."."."."."."."."."
."."."."."."."."."."."."."."."."."."."."
."."."*ITEM IIIB SHOULD BE ADJUSTED FOR
WHEN YOU WANT TO STOP PROVIDING FOR SOME
OF."YOUR BENEFICIARIES (SUCH AS WHEN CH
ILDREN GROW UP).........
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