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The time it will take you to complete the three easy steps in this brochure will give you an estimate of your current life insurance needs. With this information at hand, your UNA representative can help you determine the right insurance policies for you and your family.

The following points are for you to consider as you evaluate your life  insurance:

• You may want to adjust the total life insurance amount because of the
  cost of living and inflation factors;
• since your family's needs change; you should review and update your
  Life insurance policies annually;
• UNA annuities and life insurance policies can help supplement your retirement income; be sure to keep this brochure with your life insurance policies as an aid for determining future insurance needs.

This page is a brief description; this is not a contract. See a UNA representative or call 1-800-253-9862 for specific details about policy
coverage.

The Ukrainian National Association serving the Ukrainian Community since 1894. UNA is ready to offer you various insurance products and provide you with Fraternal Benefits.

STEP ONE:

WHAT WOULD YOUR FAMILY'S NEEDS BE WHEN YOU DIE?

A: Final Expenses:

• Medical and hospital costs
• Funeral expense
• Attorney/Executor fees
• Probate costs
• Total needed

(Estimate 30-50% of your annual income for "total needed".)

B: Children's Education Fund:

• Total cost of degree   Number of children   Total needed
• 
  (As an estimate, the average annual cost of tuition for a 4-year program, in state public university is approximately $10,000, and $40,000 for a private university. Current average room and board costs are $5,000 per year. Books and other fees should be included as well.)

C: Mortgage Balance:

• Total needed

D: Debt Repayment:

• Auto loans
• Home equity loan
• Credit card balances
• Other

Total needed

E: Emergency Fund:

• Major home repairs
• Auto repairs
• Medical emergencies

Total needed

(Estimate 30-50% of your annual income for "total needed".)

F: Annual Dependent/Home Care Expenses:

• Care for dependent
• Home maintenance
• Food/clothing

Total needed

(Estimate 30-50% of your annual income for "total needed".)

Annual amount

• No. of years to continue support
• Total needed

Total needed from sections A-F

STEP TWO:
WHAT ARE YOUR EXISTING LIQUID ASSETS AND LIFE INSURANCE POLICIES?

Life insurance (including group life policy)

• Cash
• Savings accounts
• Other liquid assets

Total available liquid assets and insurance

STEP THREE:

CALCULATE THE AMOUNT OF ADDITIONAL LIFE INSURANCE YOU NEED.

• Total cash needs from Step one
  (sections A-F)

• Minus total available liquid assets and existing life insurance from
  Step two
• 
  Additional life insurance needed

IN ORDER TO PROTECT YOUR FAMILY'S FINANCIAL SECURITY, HOW MUCH CAN YOU COMFORTABLY SET ASIDE EACH MONTH TO MEET THIS NEED?

• Call for your UNA Salesperson today!
• Telephone 1-800-253-9862