What Your Agent Can Do for You and
What Your Agent Will Expect From You

What Your Agent Can Do for You
Your Beneficial agent is a trained financial professional. He or she can help you achieve your short- and long-term objectives by working with you to develop sound financial solutions and choose cost-effective financial products that will help you reach your objectives. Your Beneficial agent can help you with a wide range of financial services, including these:

1. Analyze your particular needs, goals, and circumstances.
   Every individual, family, and business has unique needs, goals, and financial circumstances. Your agent will work with you to analyze your situation so he or she can ultimately make appropriate recommendations. Whether your current needs and goals are relatively simple or quite complex, your agent will help you prioritize your short- and long-term needs and goals, such as protecting your family in the event of your premature death, and creating college funds for your children and determining effective solutions for you and your spouse. Your Beneficial financial professional will also help you identify your financial resources. All information you share with your agent will, of course, remain strictly confidential.
   
   
2. Develop appropriate strategies to help you achieve your goals.
   Based on the analysis done in step 1 above, your Beneficial agent will work with you to develop craft financial strategies to help you accomplish your goals. For your particular strategies, your financial professional may recommend one or more specific insurance products. Depending on your situation, your financial solutions may include one or more of the following:
   
   • Insurance planning
   • Cash-flow management
   • Retirement strategies
   • Education strategies
   • Estate strategies
   • Employee benefits
   • Business-continuation strategies
   • Executive-compensation strategies
   • Charitable-giving
   
   
3. Implement and coordinate your strategies.
   As appropriate, your Beneficial financial professional will help you implement your financial strategies. To the extent you would like, your agent can also coordinate your strategies with other professionals, such as working with your attorney in implementing your estate strategies. (Beneficial Financial Group and its agents, representatives, and/or advisors do not offer tax or legal advice. Please consult your attorney, accountant, or tax advisor about specific points of interest to you.)
   
   
4. Provide ongoing service.
   Your Beneficial financial professional will work with you to monitor your strategies and modify them as needed over time as your needs, goals, and circumstances change. An annual financial review is recommended to keep your financial strategies up-to-date. Special circumstances—such as a new child, new house, marriage, death in the family, etc.—are also appropriate occasions to consult your Beneficial agent.
   
   

What Your Agent Will Expect of You
For you to get the most benefit from your Beneficial agent, he or she needs your cooperation in carrying out the four steps listed above. Specifically, you can help your agent help you by doing the following:

1. Gather and share information about your needs, goals, and circumstances.
   Don’t assume that your agent automatically understands your situation. Be as specific as you can about your short- and long-term goals.
   
   
2. Be an active participant in developing your financial strategies.
   You are encouraged to be an active participant with your agent in the process by sharing information, asking questions, and making suggestions. Ask your agent for explanations about his or her recommendations for strategies and products—this will help ensure that the solutions you develop together will be a good fit for you.
   
   
3. Be as active as you want in implementing and coordinating your solutions.
   Some clients want to turn everything over to their agent to carry out, while other clients like a more hands-on approach. Talk with your agent about how involved you would like to be.
   
   
4. Help your agent provide the service you need.
   Communicate with your agent, at least once a year. When special events (births, marriages, deaths, etc.) occur, keep your agent informed. When financial opportunities or challenges arise, contact your agent, because these can affect how your strategies work and may require updating your strategies. As new financial needs and goals arise over time, your agent can help you coordinate creative, appropriate solutions.
   
   

To find out more or get a price quote, click here to find a Beneficial agent near you. If you wish, a Beneficial financial professional can also help you analyze your situation and provide you with personalized options and solutions to help you reach your financial goals.