Today I got married and I made a vow to always take care of my wife. If something were to happen to me, she would lose over half of our current income, owe approximately $200,000 between our mortgage and our auto loans and of course…be devastated.

 Today I received the best gift God has ever given me; my baby girl. If something were to happen to me, my wife, who is now a stay at home mom, would have to support our new baby girl on a social security check that is merely a quarter of what I bring home; pay our debts, which have grown with our income of approximately $600,000; and send our child to college, which in 18 years will amount to over $200,000 at the current rate of inflation. Oh, by the way, my wife will need to go back to work.

 Today my son entered my business. I never dreamt this day would come and I am confident my business will remain successful after I am gone. But wait, what about my daughter? I have nothing to leave her. What will the holidays be like after I am gone…will they fight? Will I ruin their relationship?

 Today my granddaughter lost her parents. She is a senior now and looking to go to Harvard University. After paying the debts on her parents’ estate; there is no money left, and I fear her dreams are broken. If there were only something I could do, but I am retired.

 Today my wife died of breast cancer. I plan to give as much as I can to research for curing this disease so my granddaughter can live with hope, but I also want to leave a legacy to my grandsons. How do I choose?

 Today I turn 85 years old. I did not know I could count that high and I did not know my estate would have grown so much during my retirement. Uncle Sam tells me he is going to take 45% of my estate if I die today.

 This is the story of one man who had 6 wishes for permanent life insurance:

• » In his 20′s, life insurance was a tool to replace cash flow and eliminate debts in the event of the unexpected;
• » In his 30′s and 40′s, life insurance was a tool to replace cash flow, eliminate debts, pay the education of his children and provide a retirement for his wife in the event of the unexpected;
• » In his 50′s, life insurance was a tool to equalize inheritances;
• » In his 60′s, life insurance was a tool to send his granddaughter to school by withdrawals or loans against the cash value;
• » In his 70′s, life insurance was a tool to replace charitable gifts from his estate;
• » In his 80″s, life insurance was a tool to help pay estate taxes with the help of trust planning;

 What are your wishes and concerns? Should you act now? Or will you have regret when you can no longer get it or afford it?