Birthday Approach Letter

Dear :

Happy Birthday! Even though your special day has not yet arrived, it reminds me that we should get together. This is a good time to examine all of the risks that could impact your portfolio.

One risk has nothing to do with the market; it's the financial risk of long term care. 60% of all Americans who reach age 65 may need long-term care at some point in their remaining lives. A typical two to three year period of institutional care can cost $120,000 to $180,000 or more. Those costs are likely to double in less than fifteen years.

Sources: The Looming Crisis, American Health Care Associations, 2000, p.1; Metlife Mature Market Institute, April 2002.

Long term care insurance may be a wise option. Your current age is a key factor determining the cost of a suitable policy. By taking action before your birthday, you may qualify for rates that are based on your present age.

The financial risk of long term care is simply too great to ignore. Let's meet to review your options before your birthday. Please give me a call to schedule a convenient date.

For Internal Use Only
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