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Do you understand
how your life insurance needs

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change over the years?

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It's called the Theory
of Decreasing Responsibility,

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and here's how it works.

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When your children are young,

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you probably have a lot
of financial responsibilities,

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such as a house mortgage and other debts.

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During this time,

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the death of a breadwinner or caretaker

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would be financially devastating
to your family.

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This is when you need coverage the most.

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In the later years,
you have fewer financial obligations.

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The children are grown,
the mortgage is paid or reduced

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and you've had years
to accumulate savings.

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Your need for insurance is reduced

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because you are now in effect
self-insured.

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This is the theory
of decreasing responsibility.

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It means having life insurance
to protect your family

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during the most financially
vulnerable years.