Guru Speak

Each transition presents a new opportunity to grow and put yourself in control of your future. Preparing for your future today gets you where you want to go tomorrow. Knowing where to go for that preparation is your key to future success.

Singles

Perhaps you have just graduated from college or graduate school and are striking out on your own for the first time. Or you are long out of college, already making a decent salary and moving up the ladder of success. In either case, you are probably paying your own way - and you want the most for your hardearned money. Being single means you can afford to think of yourself first and make decisions based solely on your own hopes and dreams. It is at this critical juncture that you should start laying the groundwork for your financial future. A great way to start is to take care of any outstanding credit card or car loans you may have.

Young couples

You are, perhaps, in an ideal situation. You can enjoy the benefits of two incomes - the freedom and money to enjoy life to its fullest - without having to worry about dependants. Disposable income may also allow for a more significant investment in the future. You have probably already spent a great deal of time and money on your education and career. Now you want to set up goals that are right for where you and your spouse are financially now and where you may want to be in the future.

New parents

What an amazing and special time this is in your lives, a time of new life, new hopes, new dreams. Your thoughts, fears and expecta¬tions are now focused on your chil¬dren, to whom you want to give all the tools necessary to succeed. You realise that to do so, it is important to create an environment of financial stability - which you have begun to do by valuing each baht and looking for the best quality at an affordable price. You can make further strides towards financial stability by paying off any credit card and mortgage debt. And you need to plan for the future. Education may play an important role in your children's lives, and you need to make sure you will be able to afford the best. And perhaps the most important aspect of financial security is ensuring that your family can survive financially in the unfortunate event of your early death.

Security for the future - and more

Life insurance is always a good idea at any stage in life. Lifeinsurance products provide a guaranteed death benefit that can help protect your family and assets and provide for the future through cashvalue accumulation. Additionally, many lifeinsurance products allow you to borrow against the cash value generated by your policy, to help meet unexpected expenses. When it comes down to it, sooner or later you will need to be protected. Buying life insurance will never be less expensive than it is when you are young and in good health.

- For single individuals, buying life insurance is a solid first step in building a financial foundation for tomorrow's needs.

- For young couples, life insurance becomes a strong means to an end; that is, you protect each other in the event of premature death while establishing the groundwork for future hopes.

- For new parents, buying life insurance is one way to help provide for a surviving child's education and/or the needs of a sur¬viving spouse in the future.