1. You are a high-income earner 2. You are concerned about federal or state estate tax 3. You are a business owner 4. You have complex beneficiaries or complex assets 5. You are concerned about not having a paycheck in retirement 6. You currently do not own long term care insurance 7. You have a higher net worth 8. You have older life insurance polices 9. You are concerned about healthcare costs in retirement 10. You are not sure if your existing Insurance meets your need