Agent: "We can help you meet financial objectives not always addressed by life insurance or annuities.

• Do you have CDs or mutual funds? If so, when does your CD roll over? Have you considered shifting money out of mutual funds?"


• Do you or your spouse participate in a pension or 401(k) plan at work?"


• Do you or your spouse contribute to an IRA?"


• How do you feel about college education for your children/grandchildren?"


• How many years do you have before retirement?"


• Are you totally satisfied with what you've saved to pay college costs, or for retirement?"


• Do you or your spouse have parents who may eventually need dependent care? Have you prepared for those increased expenses?"


• If you've recently retired (or will retire soon) will you be receiving a lump-sum pension payment, or will you be paid an income?"


• If you're uninsurable, have you considered having an 'income protection fund' to provide your family with the same financial security they'd have if you were able to buy life or disability insurance?"

If the answer to any of these questions is "No!" "I don't know!," or something similar, the client should consider his or her financial objectives with mutual funds, annuities or other financial service products.