What rate of inflation do you recommend?
That number, along with projected rate of return, cost of living adjustment, future increase in salary, and amount of risk, is solely determined by the agent and the client.

Is permanent life insurance always recommended as a client need?
I can’t think of anything that is “always” or “never” needed. The strength of the Retirement AnalyzerTM is that it analyzes each situation and allows the facts to tell the story. If there is a need for the survivor to have insurance proceeds to continue to live comfortably, it is clearly shown without doubt. The whole purpose for this program is to eliminate having to make decisions based on guesswork.

What about Long Term Care insurance?
Same answer. I can’t think of anything worse than having a loved one in a nursing home situation and watching your nest egg disappear. The Retirement Analyzer™ lays it out in a format so there is no question regarding whether insurance is needed or not.
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