In-Depth Policy Analysis

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1 Update Your Needs Analysis Change is one thing you can count on. Business start-ups become industry leaders. Children grow up and have children of their own. Life changing events may occur such as purchasing a home, college tuition, retirement, disability, divorce and death. A lot can change in your life after you buy a life insurance policy and those changes can impact a policy. A Policy Review helps keep your financial strategy intact. The information provided in a general overview and is not intended to provide individual tax advice. Please consult with your financial advisor on your individual tax situation In-Depth Policy Analysis

2 Has Your Life s Plan Changed? PERFORMANCE EVALUATION is a consumer-driven process focused on evaluating the performance of your permanent life insurance policy and comparing it against the best products available in the marketplace. A benefit we provide at no cost to you. Your permanent life insurance policy is a financial instrument funded with specific performance expectations based on your goals and objectives. Cash accumulation for retirement. Survivor income for your family. Death benefit protection for your estate plan. Have you compared your policy s actual results with your original expectations? If not, you may be in for quite a shock. Your policy may be at risk and as a result could lapse causing adverse tax consequences. Your beneficiary may not receive the expected death benefit. Many cash value policies today are impacted by the change in the interest rate conditions. It is not a secret that we have experienced a dramatic decline in interest rates over the past 30 years. These declining interest rates and vulnerable markets have placed many policies in jeopardy of lapsing. PERFORMANCE EVALUATION is a comprehensive analysis that was developed to address the everchanging economic conditions in the insurance marketplace. Although we have continued to experience a low interest rate environment, the life insurance industry has responded with some of the best priced, most competitive products available in the marketplace. The PERFORMANCE EVALUATION program gives you an understanding of actual policy performance with an emphasis on maximizing value. STEP 1 Performance Evaluation Analyze your policy to confirm your goals and objectives are in alignment with your expectations of premium funding and policy performance. STEP 2 Market Survey Optimize your policy through research and comparison to determine if you can reduce your premiums, increase your death benefit, enhance cash accumulation, extend the duration of the contract, or add a new feature to your policy. STEP 3 Solution Recommend changes to your current policy that meet your goals and expectations. The resulting Performance Evaluation Report provides the analysis you need to make informed decisions about your life insurance policy. Speak to your financial professional about a free PERFORMANCE EVALUATION. We are eager to help. Subjecting your life insurance portfolio to a formal PERFORMANCE EVALUATION is an important, financial sound practice.

3 FACT FINDER Dixon Wells In-Depth Policy Analysis Section A: Insureds Insured 1 Insured 2 Full Name Full Name Gender (m/f) Date of Birth Gender (m/f) Date of Birth Social Security Number Social Security Number Home Address Employer Employer Business Address Business Address Cell Phone Office Phone Home Phone Cell Phone Office Phone Home Phone Section B: Life Insurance Portfolio Purpose is defined as personal/business, estate planning, survivor income, buy-sell, or keyman. Insured 1 Purpose Insurance Company Policy Number Policy Date Product Cash Value Death Benefit Premium Insured 2 Purpose Insurance Company Policy Number Policy Date Product Cash Value Death Benefit Premium Section C: Policy Objectives Using the policies from above, please indicate the objective of each policy. Insured 1 Insurance Company Policy Number Personal/Business Cash Value Accumulation or Guarantees? Premium Duration How Long Should the Policy Last? Additional Details:

4 Section C: Policy Objectives (continued) Using the policies from above, please indicate the objective of each policy. Insured 2 Insurance Company Policy Number Personal/Business Cash Value Accumulation or Guarantees? Premium Duration How Long Should the Policy Last? Additional Details: Section D: Carrier Ratings Based on the insurance carrier ratings, specifiy your preference on the comdex rating of an insurance carrier. 90 Comdex & Above 80 Comdex & Above 70 Comdex & Above 60 Comdex & Above The Comdex is the average percentile for company ratings.

5 LETTER OF AUTHORIZATION TO RECEIVE INFORMATION DATE: TO: RE: Carrier Name Policy # Insured s Name (as it reads in the policy) Owner s Name (as it reads in the policy) To Whom It May Concern: I have appointed to act as my advisor in matters pertaining to the arrangement of my life insurance programs. The information to be provided shall include but not be limited to in-force ledgers, policy dates, cash value information, interest rate / dividend history, and underwriting classifications. Please furnish an in force illustration based on the following: 1) current premium and 2) premium required to provide coverage to maturity if current premium does not do so. The records may be transmitted via U.S. Regular mail, various overnight mail services and / or through the use of secured electronic devices. For fax communications, send to If there are questions concerning this request, contact your Dixon Wells representative The authorization shall be valid for six (6) months from the date below. A copy of this authorization shall be as valid as the original. I understand that I am entitled to receive a copy of this authorization. I understand that I may revoke this authorization at any time and that the revocation will take effect when my representative receives my written request. Sincerely, Owner s Signature Date Agent / Representative Date