<p> Return Address In this location</p><p>January 1, 2005</p><p>Name of Prospect Address of Prospect Hometown, State Zip code</p><p>Dear Mr. and Mrs. Prospect,</p><p>It is more likely that you will suffer a long-term disability than die before retirement!</p><p>Not only is disability more likely than death – the financial consequences may be disastrous:</p><p> Salary stops</p><p> Living expenses, especially medical bills, increase</p><p> Retirement contributions stop</p><p> Additional care may be required </p><p> Income of the care-provider may be lost</p><p> Savings erode</p><p> Education dreams of your children go unfulfilled</p><p>Will your family be able to maintain their desired lifestyle in the event of a disability? How can you be sure that your present financial plans and existing assets and savings will be sufficient?</p><p>By asking a few confidential questions, I can help you answer these questions with a survivor analysis. The analysis will examine the cash flow – expected income and expected expenses. It will also determine if there would be sufficient income, and if your special goals can be met. Your detailed analysis will contain numerous reports and graphics, like the sample to the right, which can help you quickly answer these questions. </p><p>This analysis will help you plan – which assets should be used, if any; exactly how much is needed for any special goal; and would there be enough money. Most people want to make the most effective use of their present assets first – that’s what this analysis will show.</p><p>You protect your car in case you’re in an accident. You protect your home in case it burns. Is your ability to earn an income protected in case you have an accident or become sick? Would a long-term disability change the lifestyles of you and your family? I will be calling you in a few days so that we can arrange for you to get your detailed survivor analysis.</p><p>LD23631-01/07 09dd70ac3428fa9e7ed34f4e41c817b4.doc © 2005 Impact Technologies Group, Inc. Sincerely,</p><p>Advisor’s Name</p><p>P.S. See if your present financial plans could endure a long-term disability.</p><p>LD23631-01/07 09dd70ac3428fa9e7ed34f4e41c817b4.doc © 2005 Impact Technologies Group, Inc.</p>