NEED BUSINESS AGE
  Less than Five Years Five to 20 Years More than 20 Years
Individual Needs
Protection Yes Yes Maybe
Accumulation Maybe Yes Yes
Retirement Maybe Maybe Yes
Business Needs
Business Continuation Yes Yes Yes
Business Valuation Yes Yes Yes
Business Overhead Expense Yes Yes Yes
Key Person Insurance Yes Yes Yes
Selective Executive Benefits Maybe Yes Yes
Employee Benefits Yes Yes Yes
Qualified Retirement Plans Maybe Yes Yes
Equity Products Maybe* Yes* Yes*
Estate Planning Maybe Yes Yes

* Suitability requirements may apply.

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