October 2004

Fraternal benefits

“post retirement planning checklist”

1) Are my will and trust documents up to date?

2) Have I chosen an executor and backup executor for my estate?

3) Do I need to replace any lost group life insurance?

4) Can my wife live off of my reduced pension when I die?

5) Do my spouse and children know where my “important papers and documents” are?

6) Do my wife and I own long term care insurance?

7) Do I have sufficient assets to live on until 90 to 95 years of age?

8) Are my beneficiary designations in my life insurance policies up to date?

TOM WHITE,FICF

410.581.1740/ 800.562.1882