IFE
FILE INFORMATION
FILENAME(S): IFE
FILE TYPE(S): SEQ
FILE SIZE: 6.5K
FIRST SEEN: 2025-10-19 22:48:49
APPEARS ON: 1 disk(s)
FILE HASH
41995197c0e0358ac517830321aa45a0fc8c5e3a31338c9a4090d35daecee3e2
FOUND ON DISKS (1 DISKS)
| DISK TITLE | FILENAME | FILE TYPE | COLLECTION | TRACK | SECTOR | ACTIONS |
|---|---|---|---|---|---|---|
| TIMEWRK C | IFE | SEQ | Radd Maxx | 25 | 5 | DOWNLOAD FILE |
FILE CONTENT & ANALYSIS
00000000: 2A 20 0D 2A 20 20 20 20 20 20 20 20 20 20 20 20 |* .* | 00000010: 20 20 20 20 20 20 20 20 C8 CF D7 A0 CD D5 C3 C8 | ........| 00000020: A0 CC C9 C6 C5 A0 C9 CE D3 D5 D2 C1 CE C3 C5 A0 |................| 00000030: C4 CF A0 D9 CF D5 A0 CE C5 C5 C4 3F 0D 2A 20 0D |...........?.* .| 00000040: 2A 20 0D 2A D7 48 4F 4D 20 44 4F 20 59 4F 55 20 |* .*.HOM DO YOU | 00000050: 57 41 4E 54 20 54 4F 20 50 52 4F 54 45 43 54 20 |WANT TO PROTECT | 00000060: 57 49 54 48 20 59 4F 55 52 20 4C 49 46 45 20 49 |WITH YOUR LIFE I| 00000070: 4E 53 55 52 41 4E 43 45 3F 0D 2A 20 2D 2D 20 D9 |NSURANCE?.* -- .| 00000080: 4F 55 52 20 53 50 4F 55 53 45 20 20 20 2D 2D 20 |OUR SPOUSE -- | 00000090: D9 4F 55 52 20 43 48 49 4C 44 52 45 4E 20 20 20 |.OUR CHILDREN | 000000A0: 2D 2D 20 D9 4F 55 52 20 43 48 49 4C 44 52 45 4E |-- .OUR CHILDREN| 000000B0: 20 46 52 4F 4D 20 41 20 50 52 49 4F 52 20 4D 41 | FROM A PRIOR MA| 000000C0: 52 52 49 41 47 45 0D 2A 20 2D 2D 20 D9 4F 55 52 |RRIAGE.* -- .OUR| 000000D0: 20 50 41 52 45 4E 54 53 20 20 20 2D 2D 20 CF 54 | PARENTS -- .T| 000000E0: 48 45 52 BE 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |HER. -----------| 000000F0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 0D 2A |-----------.* .*| 00000100: D4 4F 20 57 48 41 54 20 45 58 54 45 4E 54 20 44 |.O WHAT EXTENT D| 00000110: 4F 20 59 4F 55 20 57 41 4E 54 20 54 4F 20 50 52 |O YOU WANT TO PR| 00000120: 4F 54 45 43 54 20 54 48 45 4D 3F 0D 2A 20 2D 2D |OTECT THEM?.* --| 00000130: 20 D4 4F 20 50 52 4F 56 49 44 45 20 46 4F 52 20 | .O PROVIDE FOR | 00000140: 54 48 45 49 52 20 50 52 45 53 45 4E 54 20 4C 49 |THEIR PRESENT LI| 00000150: 46 45 53 54 59 4C 45 20 20 20 2D 2D 20 C6 4F 52 |FESTYLE -- .OR| 00000160: 20 41 20 4D 4F 52 45 20 41 46 46 4C 55 45 4E 54 | A MORE AFFLUENT| 00000170: 20 4C 49 46 45 53 54 59 4C 45 0D 2A 20 2D 2D 20 | LIFESTYLE.* -- | 00000180: C6 4F 52 20 41 20 4D 4F 52 45 20 4D 4F 44 45 53 |.OR A MORE MODES| 00000190: 54 20 4C 49 46 45 53 54 59 4C 45 0D 2A 20 0D 2A |T LIFESTYLE.* .*| 000001A0: C8 4F 57 20 4C 4F 4E 47 20 44 4F 20 59 4F 55 20 |.OW LONG DO YOU | 000001B0: 57 41 4E 54 20 54 4F 20 50 52 4F 54 45 43 54 20 |WANT TO PROTECT | 000001C0: 45 41 43 48 3F 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |EACH? ----------| 000001D0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 000001E0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 0D |------------.* .| 000001F0: 2A C6 4F 52 20 53 49 4D 50 4C 49 43 49 54 59 20 |*.OR SIMPLICITY | 00000200: 42 45 4C 4F 57 FF 20 41 53 53 55 4D 45 20 54 48 |BELOW. ASSUME TH| 00000210: 41 54 20 49 4E 43 52 45 41 53 45 53 20 49 4E 20 |AT INCREASES IN | 00000220: 59 4F 55 52 20 42 45 4E 45 46 49 43 49 41 52 49 |YOUR BENEFICIARI| 00000230: 45 53 27 20 49 4E 43 4F 4D 45 0D 2A 57 49 4C 4C |ES' INCOME.*WILL| 00000240: 20 4B 45 45 50 20 50 41 43 45 20 57 49 54 48 20 | KEEP PACE WITH | 00000250: 54 48 45 20 49 4E 43 52 45 41 53 45 53 20 46 52 |THE INCREASES FR| 00000260: 4F 4D 20 49 4E 46 4C 41 54 49 4F 4E 2E 20 20 D5 |OM INFLATION. .| 00000270: 53 45 20 53 45 50 41 52 41 54 45 20 53 48 45 45 |SE SEPARATE SHEE| 00000280: 54 53 20 46 4F 52 0D 2A 41 43 43 4F 4D 50 41 4E |TS FOR.*ACCOMPAN| 00000290: 59 49 4E 47 20 53 43 48 45 44 55 4C 45 53 20 41 |YING SCHEDULES A| 000002A0: 4E 44 20 43 4F 4D 50 55 54 41 54 49 4F 4E 53 2E |ND COMPUTATIONS.| 000002B0: 20 20 D2 45 44 45 54 45 52 4D 49 4E 45 20 50 45 | .EDETERMINE PE| 000002C0: 52 49 4F 44 49 43 41 4C 4C 59 20 4F 52 20 57 48 |RIODICALLY OR WH| 000002D0: 45 4E 0D 2A 59 4F 55 52 20 43 49 52 43 55 4D 53 |EN.*YOUR CIRCUMS| 000002E0: 54 41 4E 43 45 53 20 43 48 41 4E 47 45 20 53 49 |TANCES CHANGE SI| 000002F0: 47 4E 49 46 49 43 41 4E 54 4C 59 2E 0D 2A 20 0D |GNIFICANTLY..* .| 00000300: 2A 20 0D 2A 28 C9 29 20 CC D5 CD D0 2D D3 D5 CD |* .*(.) ....-...| 00000310: A0 C2 C5 CE C5 C6 C9 D4 D3 A0 C1 CE C4 A0 C5 D8 |................| 00000320: D0 C5 CE D3 C5 D3 A0 D7 C8 C5 CE A0 D9 CF D5 A0 |................| 00000330: C4 C9 C5 0D 2A 28 C1 29 20 20 20 CC 55 4D 50 2D |....*(.) .UMP-| 00000340: D3 55 4D 20 C2 45 4E 45 46 49 54 53 0D 2A 20 20 |.UM .ENEFITS.* | 00000350: 20 20 20 20 28 31 29 20 C6 52 4F 4D 20 59 4F 55 | (1) .ROM YOU| 00000360: 52 20 50 52 45 53 45 4E 54 20 49 4E 44 49 56 49 |R PRESENT INDIVI| 00000370: 44 55 41 4C 20 49 4E 53 55 52 41 4E 43 45 53 20 |DUAL INSURANCES | 00000380: 20 20 20 20 20 20 20 20 20 24 20 2D 2D 2D 2D 2D | $ -----| 00000390: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 |----------.* | 000003A0: 20 20 28 32 29 20 C6 52 4F 4D 20 59 4F 55 52 20 | (2) .ROM YOUR | 000003B0: 50 52 45 53 45 4E 54 20 45 4D 50 4C 4F 59 4D 45 |PRESENT EMPLOYME| 000003C0: 4E 54 20 41 4E 44 20 4F 54 48 45 52 0D 2A 20 20 |NT AND OTHER.* | 000003D0: 20 20 20 20 20 20 20 20 47 52 4F 55 50 20 49 4E | GROUP IN| 000003E0: 53 55 52 41 4E 43 45 53 20 20 20 20 20 20 20 20 |SURANCES | 000003F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000400: 20 20 20 20 20 20 20 20 20 20 20 2D 2D 2D 2D 2D | -----| 00000410: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 |----------.* | 00000420: 20 20 28 33 29 20 C4 45 41 54 48 20 42 45 4E 45 | (3) .EATH BENE| 00000430: 46 49 54 53 20 46 52 4F 4D 20 59 4F 55 52 20 50 |FITS FROM YOUR P| 00000440: 45 4E 53 49 4F 4E FF 20 50 52 4F 46 49 54 2D 0D |ENSION. PROFIT-.| 00000450: 2A 20 20 20 20 20 20 20 20 20 20 53 48 41 52 49 |* SHARI| 00000460: 4E 47 FF 20 44 45 46 45 52 52 45 44 20 49 4E 43 |NG. DEFERRED INC| 00000470: 4F 4D 45 FF 20 41 4E 44 20 4F 54 48 45 52 20 50 |OME. AND OTHER P| 00000480: 4C 41 4E 53 20 20 20 20 20 20 20 20 20 20 2D 2D |LANS --| 00000490: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 |-------------.* | 000004A0: 20 20 20 20 20 28 34 29 20 C6 52 4F 4D 20 D3 4F | (4) .ROM .O| 000004B0: 43 49 41 4C 20 D3 45 43 55 52 49 54 59 FF 20 56 |CIAL .ECURITY. V| 000004C0: 45 54 45 52 41 4E 53 27 FF 20 41 4E 44 20 4F 54 |ETERANS'. AND OT| 000004D0: 48 45 52 0D 2A 20 20 20 20 20 20 20 20 20 20 47 |HER.* G| 000004E0: 4F 56 45 52 4E 4D 45 4E 54 20 53 4F 55 52 43 45 |OVERNMENT SOURCE| 000004F0: 53 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |S | 00000500: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000510: 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | --------------| 00000520: 2D 0D 2A 20 20 20 20 20 20 28 35 29 20 CF 54 48 |-.* (5) .TH| 00000530: 45 52 BE 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |ER. ------------| 00000540: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000550: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 20 20 20 20 20 |----------- | 00000560: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D |---------------.| 00000570: 2A 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |* | 00000580: 20 20 20 20 20 20 20 20 20 20 20 20 28 36 29 20 | (6) | 00000590: D4 4F 54 41 4C 20 CC 55 4D 50 2D D3 55 4D 20 C2 |.OTAL .UMP-.UM .| 000005A0: 45 4E 45 46 49 54 53 20 20 20 20 20 24 0D 2A 20 |ENEFITS $.* | 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 20 3D 3D 3D 3D | ====| 000005F0: 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 2A 28 C2 29 |===========.*(.)| 00000600: 20 20 20 CC 55 4D 50 2D D3 55 4D 20 C5 58 50 45 | .UMP-.UM .XPE| 00000610: 4E 53 45 53 0D 2A 20 20 20 20 20 20 28 31 29 20 |NSES.* (1) | 00000620: C3 45 4D 45 54 41 52 59 20 50 4C 4F 54 20 41 4E |.EMETARY PLOT AN| 00000630: 44 20 46 55 4E 45 52 41 4C 20 43 4F 53 54 53 20 |D FUNERAL COSTS | 00000640: 28 4E 4F 54 20 50 52 45 50 41 49 44 29 20 20 20 |(NOT PREPAID) | 00000650: 20 24 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | $ -------------| 00000660: 2D 2D 0D 2A 20 20 20 20 20 20 28 32 29 20 CE 4F |--.* (2) .O| 00000670: 4E 2D 48 45 41 4C 54 48 2D 49 4E 53 55 52 45 44 |N-HEALTH-INSURED| 00000680: 20 43 4F 53 54 53 20 4F 46 20 41 4E 20 45 58 50 | COSTS OF AN EXP| 00000690: 45 4E 53 49 56 45 0D 2A 20 20 20 20 20 20 20 20 |ENSIVE.* | 000006A0: 20 20 54 45 52 4D 49 4E 41 4C 20 49 4C 4C 4E 45 | TERMINAL ILLNE| 000006B0: 53 53 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |SS | 000006C0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000006D0: 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | -----------| 000006E0: 2D 2D 2D 2D 0D 2A 20 20 20 20 20 20 28 33 29 20 |----.* (3) | 000006F0: D4 41 58 FF 20 50 52 4F 42 41 54 45 FF 20 41 54 |.AX. PROBATE. AT| 00000700: 54 4F 52 4E 45 59 FF 20 41 4E 44 20 4F 54 48 45 |TORNEY. AND OTHE| 00000710: 52 20 45 53 54 41 54 45 0D 2A 20 20 20 20 20 20 |R ESTATE.* | 00000720: 20 20 20 20 45 58 50 45 4E 53 45 53 20 20 20 20 | EXPENSES | 00000730: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000740: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000750: 20 20 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D | ---------| 00000760: 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 20 20 28 34 |------.* (4| 00000770: 29 20 D4 4F 20 50 41 59 20 59 4F 55 52 20 45 58 |) .O PAY YOUR EX| 00000780: 49 53 54 49 4E 47 20 44 45 42 54 53 20 4E 4F 54 |ISTING DEBTS NOT| 00000790: 20 43 4F 4C 4C 41 54 45 52 41 4C 49 5A 45 44 FF | COLLATERALIZED.| 000007A0: 0D 2A 20 20 20 20 20 20 20 20 20 20 4F 52 20 43 |.* OR C| 000007B0: 4F 56 45 52 45 44 20 42 59 20 52 45 44 45 4D 50 |OVERED BY REDEMP| 000007C0: 54 49 4F 4E 20 49 4E 53 55 52 41 4E 43 45 20 20 |TION INSURANCE | 000007D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 2D | -| 000007E0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A |--------------.*| 000007F0: 20 20 20 20 20 20 28 35 29 20 D4 52 41 4E 53 49 | (5) .RANSI| 00000800: 54 49 4F 4E 41 4C 20 46 55 4E 44 53 20 54 4F 20 |TIONAL FUNDS TO | 00000810: 48 45 4C 50 20 54 49 44 45 20 59 4F 55 52 20 42 |HELP TIDE YOUR B| 00000820: 45 4E 45 2D 0D 2A 20 20 20 20 20 20 20 20 20 20 |ENE-.* | 00000830: 46 49 43 49 41 52 49 45 53 20 4F 56 45 52 20 41 |FICIARIES OVER A| 00000840: 53 20 54 48 45 59 20 41 44 4A 55 53 54 20 41 46 |S THEY ADJUST AF| 00000850: 54 45 52 20 59 4F 55 52 20 44 45 41 54 48 20 20 |TER YOUR DEATH | 00000860: 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | -------------| 00000870: 2D 2D 0D 2A 20 20 20 20 20 20 28 36 29 20 CF 54 |--.* (6) .T| 00000880: 48 45 52 BE 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |HER. -----------| 00000890: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 000008A0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 20 20 20 20 |------------ | 000008B0: 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | ---------------| 000008C0: 0D 2A 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |.* | 000008D0: 20 20 20 20 20 20 20 20 20 20 20 20 20 28 37 29 | (7)| 000008E0: 20 D4 4F 54 41 4C 20 CC 55 4D 50 2D D3 55 4D 20 | .OTAL .UMP-.UM | 000008F0: C5 58 50 45 4E 53 45 53 20 20 20 20 20 24 0D 2A |.XPENSES $.*| 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 20 20 20 20 20 20 20 3D 3D 3D | ===| 00000940: 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 2A 28 C3 |============.*(.| 00000950: 29 20 20 20 C4 49 46 46 45 52 45 4E 43 45 20 C2 |) .IFFERENCE .| 00000960: 45 54 57 45 45 4E 20 C2 45 4E 45 46 49 54 53 20 |ETWEEN .ENEFITS | 00000970: 41 4E 44 20 C5 58 50 45 4E 53 45 53 20 C1 42 4F |AND .XPENSES .BO| 00000980: 56 45 0D 2A 20 20 20 20 20 20 28 31 29 20 C5 58 |VE.* (1) .X| 00000990: 43 45 53 53 20 4F 46 20 42 45 4E 45 46 49 54 53 |CESS OF BENEFITS| 000009A0: 20 28 C9 54 45 4D 20 C9 C1 36 29 20 4F 56 45 52 | (.TEM ..6) OVER| 000009B0: 20 45 58 50 45 4E 53 45 53 0D 2A 20 20 20 20 20 | EXPENSES.* | 000009C0: 20 20 20 20 20 28 C9 54 45 4D 20 C9 C2 37 29 BB | (.TEM ..7).| 000009D0: 20 4F 52 BE 20 20 20 20 20 20 20 20 20 20 20 20 | OR. | 000009E0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000009F0: 20 20 20 20 20 20 24 0D 2A 20 20 20 20 20 20 28 | $.* (| 00000A00: 32 29 20 C5 58 43 45 53 53 20 4F 46 20 45 58 50 |2) .XCESS OF EXP| 00000A10: 45 4E 53 45 53 20 28 C9 54 45 4D 20 C9 C2 37 29 |ENSES (.TEM ..7)| 00000A20: 20 4F 56 45 52 20 42 45 4E 45 46 49 54 53 20 20 | OVER BENEFITS | 00000A30: 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ==========| 00000A40: 3D 3D 3D 3D 3D 0D 2A 20 20 20 20 20 20 20 20 20 |=====.* | 00000A50: 20 28 C9 54 45 4D 20 C9 C1 36 29 20 20 20 20 20 | (.TEM ..6) | 00000A60: 20 20 20 20 20 20 20 20 20 20 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 24 0D 2A 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 20 20 20 20 20 | | 00000AB0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000AC0: 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ==============| 00000AD0: 3D 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 |=.* .* .* .* .* | 00000AE0: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D |.* .* .* .* .* .| 00000AF0: 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A |* .* .* .* .* .*| 00000B00: 20 0D 2A 20 20 20 20 20 20 20 20 20 20 20 20 C8 | .* .| 00000B10: CF D7 A0 CD D5 C3 C8 A0 CC C9 C6 C5 A0 C9 CE D3 |................| 00000B20: D5 D2 C1 CE C3 C5 A0 C4 CF A0 D9 CF D5 A0 CE C5 |................| 00000B30: C5 C4 3F 20 28 C3 CF CE D4 C9 CE D5 C5 C4 29 0D |..? (.........).| 00000B40: 2A 20 0D 2A 20 0D 2A 28 C9 C9 29 20 CF CE C7 CF |* .* .*(..) ....| 00000B50: C9 CE C7 A0 C9 CE C3 CF CD C5 A0 C1 CE C4 A0 C5 |................| 00000B60: D8 D0 C5 CE D3 C5 D3 A0 C1 C6 D4 C5 D2 A0 D9 CF |................| 00000B70: D5 D2 A0 C4 C5 C1 D4 C8 A0 CF C6 A0 D4 C8 CF D3 |................| 00000B80: C5 0D 2A 20 20 20 20 20 D7 C8 CF CD A0 D9 CF D5 |..* ........| 00000B90: A0 D7 C1 CE D4 A0 D4 CF A0 D0 D2 CF D4 C5 C3 D4 |................| 00000BA0: A0 D7 C9 D4 C8 A0 D9 CF D5 D2 A0 CC C9 C6 C5 A0 |................| 00000BB0: C9 CE D3 D5 D2 C1 CE C3 C5 0D 2A 20 20 20 20 20 |..........* | 00000BC0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000BD0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 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 C1 4E 4E 55 41 | .NNUA| 00000C00: 4C 4C 59 0D 2A 28 C1 29 20 20 20 D4 48 45 49 52 |LLY.*(.) .HEIR| 00000C10: 20 C9 4E 43 4F 4D 45 0D 2A 20 20 20 20 20 20 28 | .NCOME.* (| 00000C20: 31 29 20 D4 48 45 49 52 20 4E 45 54 20 57 4F 52 |1) .HEIR NET WOR| 00000C30: 4B 49 4E 47 20 49 4E 43 4F 4D 45 20 28 41 46 54 |KING INCOME (AFT| 00000C40: 45 52 20 54 41 58 45 53 20 41 4E 44 0D 2A 20 20 |ER TAXES AND.* | 00000C50: 20 20 20 20 20 20 20 20 50 41 59 20 44 45 44 55 | PAY DEDU| 00000C60: 43 54 49 4F 4E 53 29 20 20 20 20 20 20 20 20 20 |CTIONS) | 00000C70: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000C80: 20 20 20 20 20 20 20 20 20 24 20 2D 2D 2D 2D 2D | $ -----| 00000C90: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 |----------.* | 00000CA0: 20 20 28 32 29 20 D4 48 45 49 52 20 49 4E 43 4F | (2) .HEIR INCO| 00000CB0: 4D 45 20 46 52 4F 4D 20 49 4E 54 45 52 45 53 54 |ME FROM INTEREST| 00000CC0: FF 20 44 49 56 49 44 45 4E 44 53 FF 20 52 45 4E |. DIVIDENDS. REN| 00000CD0: 54 53 FF 0D 2A 20 20 20 20 20 20 20 20 20 20 45 |TS..* E| 00000CE0: 54 43 2E 20 46 52 4F 4D 20 41 53 53 45 54 53 20 |TC. FROM ASSETS | 00000CF0: 4F 57 4E 45 44 20 42 59 20 54 48 45 4D 20 28 53 |OWNED BY THEM (S| 00000D00: 4F 4D 45 20 4F 46 20 57 48 49 43 48 0D 2A 20 20 |OME OF WHICH.* | 00000D10: 20 20 20 20 20 20 20 20 4D 41 59 20 48 41 56 45 | MAY HAVE| 00000D20: 20 42 45 45 4E 20 49 4E 48 45 52 49 54 45 44 20 | BEEN INHERITED | 00000D30: 46 52 4F 4D 20 59 4F 55 29 20 20 20 20 20 20 20 |FROM YOU) | 00000D40: 20 20 20 20 20 20 20 20 20 20 20 2D 2D 2D 2D 2D | -----| 00000D50: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 |----------.* | 00000D60: 20 20 28 33 29 20 D4 48 45 49 52 20 49 4E 43 4F | (3) .HEIR INCO| 00000D70: 4D 45 20 46 52 4F 4D 20 59 4F 55 52 20 49 4E 44 |ME FROM YOUR IND| 00000D80: 49 56 49 44 55 41 4C FF 20 45 4D 50 4C 4F 59 4D |IVIDUAL. EMPLOYM| 00000D90: 45 4E 54 FF 0D 2A 20 20 20 20 20 20 20 20 20 20 |ENT..* | 00000DA0: 47 4F 56 45 52 4E 4D 45 4E 54 FF 20 41 4E 44 20 |GOVERNMENT. AND | 00000DB0: 4F 54 48 45 52 20 49 4E 53 55 52 41 4E 43 45 53 |OTHER INSURANCES| 00000DC0: 20 41 4E 44 20 50 52 4F 47 52 41 4D 53 0D 2A 20 | AND PROGRAMS.* | 00000DD0: 20 20 20 20 20 20 20 20 20 28 C9 54 45 4D 20 C9 | (.TEM .| 00000DE0: C1 20 41 42 4F 56 45 29 20 54 48 41 54 20 50 41 |. ABOVE) THAT PA| 00000DF0: 59 20 49 4E 20 49 4E 53 54 41 4C 4C 4D 45 4E 54 |Y IN INSTALLMENT| 00000E00: 53 20 52 41 54 48 45 52 0D 2A 20 20 20 20 20 20 |S RATHER.* | 00000E10: 20 20 20 20 54 48 41 4E 20 4C 55 4D 50 20 53 55 | THAN LUMP SU| 00000E20: 4D 53 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |MS | 00000E30: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000E40: 20 20 20 20 20 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D | ---------| 00000E50: 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 20 20 28 34 |------.* (4| 00000E60: 29 20 C9 4E 54 45 52 45 53 54 FF 20 44 49 56 49 |) .NTEREST. DIVI| 00000E70: 44 45 4E 44 53 FF 20 4F 52 20 4F 54 48 45 52 20 |DENDS. OR OTHER | 00000E80: 49 4E 43 4F 4D 45 20 46 52 4F 4D 0D 2A 20 20 20 |INCOME FROM.* | 00000E90: 20 20 20 20 20 20 20 49 4E 56 45 53 54 4D 45 4E | INVESTMEN| 00000EA0: 54 20 4F 46 20 54 48 45 20 41 4D 4F 55 4E 54 20 |T OF THE AMOUNT | 00000EB0: 4C 45 46 54 20 4F 56 45 52 FF 20 49 46 20 41 4E |LEFT OVER. IF AN| 00000EC0: 59 FF 20 49 4E 0D 2A 20 20 20 20 20 20 20 20 20 |Y. IN.* | 00000ED0: 20 C9 54 45 4D 20 C9 C3 31 20 41 42 4F 56 45 20 | .TEM ..1 ABOVE | 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 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | ------------| 00000F10: 2D 2D 2D 0D 2A 20 20 20 20 20 20 28 35 29 20 CF |---.* (5) .| 00000F20: 54 48 45 52 BE 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |THER. ----------| 00000F30: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D |----------------| 00000F40: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 20 20 20 |------------- | 00000F50: 20 20 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D | --------------| 00000F60: 2D 0D 2A 20 20 20 20 20 20 20 20 20 20 20 20 20 |-.* | 00000F70: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00000F80: 20 28 36 29 20 D4 48 45 49 52 20 D4 4F 54 41 4C | (6) .HEIR .OTAL| 00000F90: 20 C9 4E 43 4F 4D 45 20 20 20 20 20 20 20 24 0D | .NCOME $.| 00000FA0: 2A 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |* | 00000FB0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 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 3D 3D | ==| 00000FE0: 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 2A 28 |=============.*(| 00000FF0: C2 29 20 20 20 D4 48 45 49 52 20 C5 58 50 45 4E |.) .HEIR .XPEN| 00001000: 53 45 53 0D 2A 20 20 20 20 20 20 28 31 29 20 D4 |SES.* (1) .| 00001010: 48 45 49 52 20 4F 52 44 49 4E 41 52 59 20 4C 49 |HEIR ORDINARY LI| 00001020: 56 49 4E 47 20 45 58 50 45 4E 53 45 53 20 28 46 |VING EXPENSES (F| 00001030: 4F 4F 44 FF 20 48 4F 55 53 49 4E 47 FF 0D 2A 20 |OOD. HOUSING..* | 00001040: 20 20 20 20 20 20 20 20 20 43 4C 4F 54 48 49 4E | CLOTHIN| 00001050: 47 FF 20 54 52 41 4E 53 50 4F 52 54 41 54 49 4F |G. TRANSPORTATIO| 00001060: 4E FF 20 49 4E 53 55 52 41 4E 43 45 FF 20 52 45 |N. INSURANCE. RE| 00001070: 43 52 45 41 54 49 4F 4E FF 0D 2A 20 20 20 20 20 |CREATION..* | 00001080: 20 20 20 20 20 50 45 52 53 4F 4E 41 4C 20 43 41 | PERSONAL CA| 00001090: 52 45 FF 20 45 54 43 2E 29 20 20 20 20 20 20 20 |RE. ETC.) | 000010A0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000010B0: 20 20 20 20 20 20 24 20 2D 2D 2D 2D 2D 2D 2D 2D | $ --------| 000010C0: 2D 2D 2D 2D 2D 2D 2D 0D 2A 20 20 20 20 20 20 28 |-------.* (| 000010D0: 32 29 20 C4 45 54 45 52 4D 49 4E 45 20 57 48 49 |2) .ETERMINE WHI| 000010E0: 43 48 20 45 58 54 52 41 4F 52 44 49 4E 41 52 59 |CH EXTRAORDINARY| 000010F0: 20 45 58 50 45 4E 53 45 53 FF 20 49 46 20 41 4E | EXPENSES. IF AN| 00001100: 59 FF 0D 2A 20 20 20 20 20 20 20 20 20 20 54 48 |Y..* TH| 00001110: 45 59 20 4D 41 59 20 49 4E 43 55 52 20 28 53 55 |EY MAY INCUR (SU| 00001120: 43 48 20 41 53 20 43 4F 4C 4C 45 47 45 20 45 44 |CH AS COLLEGE ED| 00001130: 55 43 41 54 49 4F 4E 53 20 41 4E 44 0D 2A 20 20 |UCATIONS AND.* | 00001140: 20 20 20 20 20 20 20 20 57 45 44 44 49 4E 47 53 | WEDDINGS| 00001150: 29 FF 20 41 4E 44 20 44 49 56 49 44 45 20 54 48 |). AND DIVIDE TH| 00001160: 45 20 54 4F 54 41 4C 20 41 4D 4F 55 4E 54 20 42 |E TOTAL AMOUNT B| 00001170: 59 20 54 48 45 0D 2A 20 20 20 20 20 20 20 20 20 |Y THE.* | 00001180: 20 4E 55 4D 42 45 52 20 4F 46 20 59 45 41 52 53 | NUMBER OF YEARS| 00001190: 20 59 4F 55 20 57 41 4E 54 20 54 4F 20 50 52 4F | YOU WANT TO PRO| 000011A0: 56 49 44 45 20 46 4F 52 20 54 48 45 4D FF 0D 2A |VIDE FOR THEM..*| 000011B0: 20 20 20 20 20 20 20 20 20 20 41 4E 44 20 45 4E | AND EN| 000011C0: 54 45 52 20 54 48 45 20 52 45 53 55 4C 54 49 4E |TER THE RESULTIN| 000011D0: 47 20 41 4E 4E 55 41 4C 20 46 49 47 55 52 45 20 |G ANNUAL FIGURE | 000011E0: 41 54 20 52 49 47 48 54 20 20 20 20 20 2D 2D 2D |AT RIGHT ---| 000011F0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 2A 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 28 33 | (3| 00001220: 29 20 D4 48 45 49 52 20 D4 4F 54 41 4C 20 C5 58 |) .HEIR .OTAL .X| 00001230: 50 45 4E 53 45 53 20 20 20 24 0D 2A 20 20 20 20 |PENSES $.* | 00001240: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001250: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001260: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001270: 20 20 20 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D | =======| 00001280: 3D 3D 3D 3D 3D 3D 3D 3D 0D 2A 28 C3 29 20 20 20 |========.*(.) | 00001290: C4 49 46 46 45 52 45 4E 43 45 20 C2 45 54 57 45 |.IFFERENCE .ETWE| 000012A0: 45 4E 20 C9 4E 43 4F 4D 45 20 41 4E 44 20 C5 58 |EN .NCOME AND .X| 000012B0: 50 45 4E 53 45 53 0D 2A 20 20 20 20 20 20 C9 4E |PENSES.* .N| 000012C0: 20 C9 54 45 4D 53 20 C1 20 41 4E 44 20 C2 20 C1 | .TEMS . AND . .| 000012D0: 42 4F 56 45 0D 2A 20 20 20 20 20 20 28 31 29 20 |BOVE.* (1) | 000012E0: C1 4D 4F 55 4E 54 20 4F 46 20 49 4E 43 4F 4D 45 |.MOUNT OF INCOME| 000012F0: 20 45 58 43 45 45 44 49 4E 47 20 45 58 50 45 4E | EXCEEDING EXPEN| 00001300: 53 45 53 2A 20 20 20 20 20 20 20 20 20 20 20 20 |SES* | 00001310: 20 24 0D 2A 20 20 20 20 20 20 28 32 29 20 C1 4D | $.* (2) .M| 00001320: 4F 55 4E 54 20 4F 46 20 45 58 50 45 4E 53 45 53 |OUNT OF EXPENSES| 00001330: 20 45 58 43 45 45 44 49 4E 47 20 49 4E 43 4F 4D | EXCEEDING INCOM| 00001340: 45 2A 20 20 20 20 20 20 20 20 20 20 20 20 20 24 |E* $| 00001350: 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ===============| 00001360: 0D 2A 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 20 20 20 20 20 20 20 20 3D | =| 000013A0: 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 0D 2A |==============.*| 000013B0: 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 | .* .* .* .* .* | 000013C0: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D |.* .* .* .* .* .| 000013D0: 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A |* .* .* .* .* .*| 000013E0: 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 | .* .* .* .* .* | 000013F0: 20 20 20 2A 20 C9 54 45 4D 53 20 C9 C9 C3 31 20 | * .TEMS ...1 | 00001400: 41 4E 44 20 C9 C9 C3 32 20 53 48 4F 55 4C 44 20 |AND ...2 SHOULD | 00001410: 42 45 20 41 44 4A 55 53 54 45 44 20 46 4F 52 20 |BE ADJUSTED FOR | 00001420: 57 48 45 4E 20 59 4F 55 0D 2A 20 20 20 20 20 20 |WHEN YOU.* | 00001430: 57 41 4E 54 20 54 4F 20 53 54 4F 50 20 50 52 4F |WANT TO STOP PRO| 00001440: 56 49 44 49 4E 47 20 46 4F 52 20 53 4F 4D 45 20 |VIDING FOR SOME | 00001450: 4F 46 20 59 4F 55 52 20 42 45 4E 45 46 49 43 49 |OF YOUR BENEFICI| 00001460: 41 52 49 45 53 0D 2A 20 20 20 20 20 20 28 53 55 |ARIES.* (SU| 00001470: 43 48 20 41 53 20 57 48 45 4E 20 43 48 49 4C 44 |CH AS WHEN CHILD| 00001480: 52 45 4E 20 47 52 4F 57 20 55 50 29 2E 0D 2A 20 |REN GROW UP)..* | 00001490: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 20 20 20 20 |.* .* .* .* | 000014A0: 20 20 20 20 20 20 20 C8 CF D7 A0 CD D5 C3 C8 A0 | .........| 000014B0: CC C9 C6 C5 A0 C9 CE D3 D5 D2 C1 CE C3 C5 A0 C4 |................| 000014C0: CF A0 D9 CF D5 A0 CE C5 C5 C4 3F 20 28 C3 CF CE |..........? (...| 000014D0: D4 C9 CE D5 C5 C4 29 0D 2A 20 0D 2A 20 0D 2A 28 |......).* .* .*(| 000014E0: C9 C9 C9 29 20 C4 CF A0 D9 CF D5 A0 CE C5 C5 C4 |...) ...........| 000014F0: A0 CD CF D2 C5 A0 CC C9 C6 C5 A0 C9 CE D3 D5 D2 |................| 00001500: C1 CE C3 C5 3F A0 CF D2 A0 C1 D2 C5 A0 D9 CF D5 |....?...........| 00001510: A0 CF D6 C5 D2 C9 CE D3 D5 D2 C5 C4 3F 0D 2A 20 |............?.* | 00001520: 0D 2A 28 C1 29 20 20 20 C1 44 44 49 54 49 4F 4E |.*(.) .DDITION| 00001530: 41 4C 20 4C 49 46 45 20 49 4E 53 55 52 41 4E 43 |AL LIFE INSURANC| 00001540: 45 20 57 49 54 48 20 4C 55 4D 50 2D 53 55 4D 20 |E WITH LUMP-SUM | 00001550: 50 52 4F 43 45 45 44 53 20 54 4F 0D 2A 20 20 20 |PROCEEDS TO.* | 00001560: 20 20 20 50 41 59 20 C9 54 45 4D 20 C9 C3 32 20 | PAY .TEM ..2 | 00001570: 41 42 4F 56 45 20 28 45 58 43 45 53 53 20 4F 46 |ABOVE (EXCESS OF| 00001580: 20 4C 55 4D 50 2D 53 55 4D 20 45 58 50 45 4E 53 | LUMP-SUM EXPENS| 00001590: 45 53 20 4F 56 45 52 0D 2A 20 20 20 20 20 20 4C |ES OVER.* L| 000015A0: 55 4D 50 2D 53 55 4D 20 42 45 4E 45 46 49 54 53 |UMP-SUM BENEFITS| 000015B0: 29 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 |) | 000015C0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000015D0: 20 20 20 20 24 0D 2A 20 20 20 20 20 20 20 20 20 | $.* | 000015E0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000015F0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001600: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001610: 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D 3D | ============| 00001620: 3D 3D 3D 0D 2A 28 C2 29 20 20 20 C1 44 44 49 54 |===.*(.) .DDIT| 00001630: 49 4F 4E 41 4C 20 4C 49 46 45 20 49 4E 53 55 52 |IONAL LIFE INSUR| 00001640: 41 4E 43 45 20 54 4F 20 50 52 4F 56 49 44 45 20 |ANCE TO PROVIDE | 00001650: 59 4F 55 52 20 42 45 4E 45 2D 0D 2A 20 20 20 20 |YOUR BENE-.* | 00001660: 20 20 46 49 43 49 41 52 49 45 53 20 57 49 54 48 | FICIARIES WITH| 00001670: 20 54 48 45 20 49 4E 43 4F 4D 45 20 28 46 52 4F | THE INCOME (FRO| 00001680: 4D 20 49 4E 43 4F 4D 45 20 50 41 49 44 20 42 59 |M INCOME PAID BY| 00001690: 20 54 48 45 0D 2A 20 20 20 20 20 20 50 4F 4C 49 | THE.* POLI| 000016A0: 43 49 45 53 FF 20 4F 52 20 46 52 4F 4D 20 49 4E |CIES. OR FROM IN| 000016B0: 43 4F 4D 45 20 52 45 53 55 4C 54 49 4E 47 20 46 |COME RESULTING F| 000016C0: 52 4F 4D 20 49 4E 56 45 53 54 4D 45 4E 54 20 4F |ROM INVESTMENT O| 000016D0: 46 0D 2A 20 20 20 20 20 20 4C 55 4D 50 20 53 55 |F.* LUMP SU| 000016E0: 4D 53 20 50 41 49 44 20 42 59 20 54 48 45 20 50 |MS PAID BY THE P| 000016F0: 4F 4C 49 43 49 45 53 29 20 4E 45 45 44 45 44 20 |OLICIES) NEEDED | 00001700: 54 4F 20 4D 41 4B 45 20 55 50 20 54 48 45 0D 2A |TO MAKE UP THE.*| 00001710: 20 20 20 20 20 20 44 49 46 46 45 52 45 4E 43 45 | DIFFERENCE| 00001720: 20 4F 46 20 C9 54 45 4D 20 C9 C9 C3 32 20 28 41 | OF .TEM ...2 (A| 00001730: 4D 4F 55 4E 54 20 4F 46 20 45 58 50 45 4E 53 45 |MOUNT OF EXPENSE| 00001740: 53 20 45 58 43 45 45 44 49 4E 47 0D 2A 20 20 20 |S EXCEEDING.* | 00001750: 20 20 20 49 4E 43 4F 4D 45 29 2A 20 20 20 20 20 | INCOME)* | 00001760: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001770: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001780: 20 20 20 20 20 20 20 20 24 0D 2A 20 20 20 20 20 | $.* | 00001790: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000017A0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000017B0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 000017C0: 20 20 20 20 20 20 20 20 3D 3D 3D 3D 3D 3D 3D 3D | ========| 000017D0: 3D 3D 3D 3D 3D 3D 3D 0D 2A 28 C3 29 20 20 20 D9 |=======.*(.) .| 000017E0: 4F 55 20 4D 41 59 20 42 45 20 50 41 59 49 4E 47 |OU MAY BE PAYING| 000017F0: 20 46 4F 52 20 4D 4F 52 45 20 4C 49 46 45 20 49 | FOR MORE LIFE I| 00001800: 4E 53 55 52 41 4E 43 45 20 54 48 41 4E 20 59 4F |NSURANCE THAN YO| 00001810: 55 0D 2A 20 20 20 20 20 20 4E 45 45 44 FF 20 49 |U.* NEED. I| 00001820: 46 20 59 4F 55 52 20 43 41 4C 43 55 4C 41 54 49 |F YOUR CALCULATI| 00001830: 4F 4E 53 20 41 42 4F 56 45 20 53 48 4F 57 20 45 |ONS ABOVE SHOW E| 00001840: 58 43 45 53 53 45 53 20 49 4E 0D 2A 20 20 20 20 |XCESSES IN.* | 00001850: 20 20 C9 54 45 4D 53 20 C9 C3 31 20 28 4C 45 46 | .TEMS ..1 (LEF| 00001860: 54 20 4F 56 45 52 20 46 52 4F 4D 20 4C 55 4D 50 |T OVER FROM LUMP| 00001870: 2D 53 55 4D 20 42 45 4E 45 46 49 54 53 29 20 41 |-SUM BENEFITS) A| 00001880: 4E 44 20 C9 C9 C3 31 0D 2A 20 20 20 20 20 20 28 |ND ...1.* (| 00001890: 41 4D 4F 55 4E 54 20 4F 46 20 4F 4E 47 4F 49 4E |AMOUNT OF ONGOIN| 000018A0: 47 20 49 4E 43 4F 4D 45 20 45 58 43 45 45 44 49 |G INCOME EXCEEDI| 000018B0: 4E 47 20 45 58 50 45 4E 53 45 53 29 2E 0D 2A 20 |NG EXPENSES)..* | 000018C0: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D |.* .* .* .* .* .| 000018D0: 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A |* .* .* .* .* .*| 000018E0: 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 | .* .* .* .* .* | 000018F0: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D |.* .* .* .* .* .| 00001900: 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A |* .* .* .* .* .*| 00001910: 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 | .* .* .* .* .* | 00001920: 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D 2A 20 0D |.* .* .* .* .* .| 00001930: 2A 20 0D 2A 20 20 20 20 2A 20 C9 54 45 4D 20 C9 |* .* * .TEM .| 00001940: C9 C9 C2 20 53 48 4F 55 4C 44 20 42 45 20 41 44 |... SHOULD BE AD| 00001950: 4A 55 53 54 45 44 20 46 4F 52 20 57 48 45 4E 20 |JUSTED FOR WHEN | 00001960: 59 4F 55 20 57 41 4E 54 20 54 4F 0D 2A 20 20 20 |YOU WANT TO.* | 00001970: 20 20 20 53 54 4F 50 20 50 52 4F 56 49 44 49 4E | STOP PROVIDIN| 00001980: 47 20 46 4F 52 20 53 4F 4D 45 20 4F 46 20 59 4F |G FOR SOME OF YO| 00001990: 55 52 20 42 45 4E 45 46 49 43 49 41 52 49 45 53 |UR BENEFICIARIES| 000019A0: 0D 2A 20 20 20 20 20 20 28 53 55 43 48 20 41 53 |.* (SUCH AS| 000019B0: 20 57 48 45 4E 20 43 48 49 4C 44 52 45 4E 20 47 | WHEN CHILDREN G| 000019C0: 52 4F 57 20 55 50 29 2E 0D 2A 20 0D 2A 20 0D 2A |ROW UP)..* .* .*| 000019D0: 20 0D | . |
* .* HOW MUCH LIFE IN
SURANCE DO YOU NEED?.* .* .*WHOM DO YOU
WANT TO PROTECT WITH YOUR LIFE INSURANCE
?.* -- YOUR SPOUSE -- YOUR CHILDREN
-- YOUR CHILDREN FROM A PRIOR MARRIAGE.*
-- YOUR PARENTS -- OTHER. -----------
-----------.* .*TO WHAT EXTENT DO YOU WA
NT TO PROTECT THEM?.* -- TO PROVIDE FOR
THEIR PRESENT LIFESTYLE -- FOR A MORE
AFFLUENT LIFESTYLE.* -- FOR A MORE MODES
T LIFESTYLE.* .*HOW LONG DO YOU WANT TO
PROTECT EACH? --------------------------
------------.* .*FOR SIMPLICITY BELOW. A
SSUME THAT INCREASES IN YOUR BENEFICIARI
ES' INCOME.*WILL KEEP PACE WITH THE INCR
EASES FROM INFLATION. USE SEPARATE SHEE
TS FOR.*ACCOMPANYING SCHEDULES AND COMPU
TATIONS. REDETERMINE PERIODICALLY OR WH
EN.*YOUR CIRCUMSTANCES CHANGE SIGNIFICAN
TLY..* .* .*(I) LUMP-SUM BENEFITS AND EX
PENSES WHEN YOU DIE.*(A) LUMP-SUM BENE
FITS.* (1) FROM YOUR PRESENT INDIVI
DUAL INSURANCES $ -------------
--.* (2) FROM YOUR PRESENT EMPLOYME
NT AND OTHER.* GROUP INSURANCES
-----
----------.* (3) DEATH BENEFITS FRO
M YOUR PENSION. PROFIT-.* SHARI
NG. DEFERRED INCOME. AND OTHER PLANS
---------------.* (4) FROM SO
CIAL SECURITY. VETERANS'. AND OTHER.*
GOVERNMENT SOURCES
---------------.*
(5) OTHER. ----------------------------
----------- ---------------.*
(6) TOTAL LUMP-SUM B
ENEFITS $.*
====
===========.*(B) LUMP-SUM EXPENSES.*
(1) CEMETARY PLOT AND FUNERAL COSTS
(NOT PREPAID) $ ---------------.*
(2) NON-HEALTH-INSURED COSTS OF AN EXP
ENSIVE.* TERMINAL ILLNESS
-----------
----.* (3) TAX. PROBATE. ATTORNEY.
AND OTHER ESTATE.* EXPENSES
-
--------------.* (4) TO PAY YOUR EX
ISTING DEBTS NOT COLLATERALIZED..*
OR COVERED BY REDEMPTION INSURANCE
---------------.* (5
) TRANSITIONAL FUNDS TO HELP TIDE YOUR B
ENE-.* FICIARIES OVER AS THEY A
DJUST AFTER YOUR DEATH -------------
--.* (6) OTHER. -------------------
-------------------- ---------------
.* (7) TOTAL L
UMP-SUM EXPENSES $.*
===============.*(C) DIFFERENCE B
ETWEEN BENEFITS AND EXPENSES ABOVE.*
(1) EXCESS OF BENEFITS (ITEM IA6) OVER
EXPENSES.* (ITEM IB7). OR.
$.* (
2) EXCESS OF EXPENSES (ITEM IB7) OVER BE
NEFITS ===============.*
(ITEM IA6)
$.*
======
=========.* .* .* .* .* .* .* .* .* .* .
* .* .* .* .* .* .* HOW MUCH
LIFE INSURANCE DO YOU NEED? (CONTINUED).
* .* .*(II) ONGOING INCOME AND EXPENSES
AFTER YOUR DEATH OF THOSE.* WHOM YOU
WANT TO PROTECT WITH YOUR LIFE INSURANC
E.*
ANNUALLY.*(A)
THEIR INCOME.* (1) THEIR NET WOR
KING INCOME (AFTER TAXES AND.*
PAY DEDUCTIONS)
$ ---------------.* (2) TH
EIR INCOME FROM INTEREST. DIVIDENDS. REN
TS..* ETC. FROM ASSETS OWNED BY
THEM (SOME OF WHICH.* MAY HAVE
BEEN INHERITED FROM YOU)
---------------.* (3) THEIR INCO
ME FROM YOUR INDIVIDUAL. EMPLOYMENT..*
GOVERNMENT. AND OTHER INSURANCES
AND PROGRAMS.* (ITEM IA ABOVE)
THAT PAY IN INSTALLMENTS RATHER.*
THAN LUMP SUMS
---------------.* (4
) INTEREST. DIVIDENDS. OR OTHER INCOME F
ROM.* INVESTMENT OF THE AMOUNT
LEFT OVER. IF ANY. IN.* ITEM IC
1 ABOVE
---------------.* (5) OTHER. --
-------------------------------------
---------------.*
(6) THEIR TOTAL INCOME $.
*
===============.*(
B) THEIR EXPENSES.* (1) THEIR ORD
INARY LIVING EXPENSES (FOOD. HOUSING..*
CLOTHING. TRANSPORTATION. INSUR
ANCE. RECREATION..* PERSONAL CA
RE. ETC.) $
---------------.* (2) DETERMINE WHI
CH EXTRAORDINARY EXPENSES. IF ANY..*
THEY MAY INCUR (SUCH AS COLLEGE ED
UCATIONS AND.* WEDDINGS). AND D
IVIDE THE TOTAL AMOUNT BY THE.*
NUMBER OF YEARS YOU WANT TO PROVIDE FOR
THEM..* AND ENTER THE RESULTIN
G ANNUAL FIGURE AT RIGHT -----------
----.* (3
) THEIR TOTAL EXPENSES $.*
===============.*(C) DIFFEREN
CE BETWEEN INCOME AND EXPENSES.* IN
ITEMS A AND B ABOVE.* (1) AMOUNT O
F INCOME EXCEEDING EXPENSES*
$.* (2) AMOUNT OF EXPENSES EXCEEDI
NG INCOME* $ ===============
.*
===============.*
.* .* .* .* .* .* .* .* .* .* .* .* .*
.* .* .* .* .* .* .* .* * ITEMS IIC1
AND IIC2 SHOULD BE ADJUSTED FOR WHEN YOU
.* WANT TO STOP PROVIDING FOR SOME
OF YOUR BENEFICIARIES.* (SUCH AS WH
EN CHILDREN GROW UP)..* .* .* .* .*
HOW MUCH LIFE INSURANCE DO YOU NE
ED? (CONTINUED).* .* .*(III) DO YOU NEED
MORE LIFE INSURANCE? OR ARE YOU OVERINS
URED?.* .*(A) ADDITIONAL LIFE INSURANC
E WITH LUMP-SUM PROCEEDS TO.* PAY I
TEM IC2 ABOVE (EXCESS OF LUMP-SUM EXPENS
ES OVER.* LUMP-SUM BENEFITS)
$.*
===============.*(B) ADDIT
IONAL LIFE INSURANCE TO PROVIDE YOUR BEN
E-.* FICIARIES WITH THE INCOME (FRO
M INCOME PAID BY THE.* POLICIES. OR
FROM INCOME RESULTING FROM INVESTMENT O
F.* LUMP SUMS PAID BY THE POLICIES)
NEEDED TO MAKE UP THE.* DIFFERENCE
OF ITEM IIC2 (AMOUNT OF EXPENSES EXCEED
ING.* INCOME)*
$.*
===============.*(C) YOU MAY B
E PAYING FOR MORE LIFE INSURANCE THAN YO
U.* NEED. IF YOUR CALCULATIONS ABOV
E SHOW EXCESSES IN.* ITEMS IC1 (LEF
T OVER FROM LUMP-SUM BENEFITS) AND IIC1.
* (AMOUNT OF ONGOING INCOME EXCEEDI
NG EXPENSES)..* .* .* .* .* .* .* .* .*
.* .* .* .* .* .* .* .* .* .* .* .* .* .
* .* .* .* .* .* .* .* .* .* .* .* .* .*
.* .* .* .* * ITEM IIIB SHOULD BE AD
JUSTED FOR WHEN YOU WANT TO.* STOP
PROVIDING FOR SOME OF YOUR BENEFICIARIES
.* (SUCH AS WHEN CHILDREN GROW UP).
.* .* .* .
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