As individuals move from one stage of the life cycle to another, their changing financial resources, responsibilities, living situations, and lifestyle will have an impact on their financial security. In the chart below, identify the key concerns or questions each person should identify in order to select a life insurance program that will contribute to their financial security now and in the future.

Present	Key Concerns/ Question	in Five Years	Key Concerns/ Questions
Mark: high school senior, working part-time, plans to go to college		married and expecting first child; graduated from college; wife is a full-time homemaker with no plans for a job
Sandra: a married woman in her early 20s; free lance artist; husband employed; plans to have a family		two-year-old son; recently divorced; free lances full-time
Ed: a married man in his 40s; a teenage daughter; wife works full-time; substantial mortgage and two car loans		daughter has been seriously ill and may be permanently disabled; Ed has recently changed jobs; purchased a vacation home
Anne: a widow and in her early 60s; grown children; works, elderly, dependent mother lives with her		retired; elderly mother has died; recently remarried