• Liquidity

• Retirement Planning

• Investment opportunities

• Financial Emergencies

• Accomplishing goals over time

• What kind of lifestyle do you expect

• How much money will you need

• What impact will inflation have

• What sources will make up your retirement income

• Accelerate your child’s education savings

• Contributions grow tax-free and the government may provide generous matching grants

• Living Benefits

• Financial Security at Death

• How much coverage is enough

• What are the sources of income

• Will they change over time

Identifying what you would like to happen in the event something happened to you or your spouse/partner and putting plans in place to address this.

In planning for family or business security in the event of death, there are two major areas to be concerned with:

• Covering immediate needs within the first three months.

• Ongoing expenses.