Letter 14

John A. Client

100 Main St.

City, State, Zip                             ____________________

                                                   (Date)

Dear John,

Are you up to date in your retirement planning?

Have you figured exactly how much retirement income you'll need?

Do your retirement plans take inflation into account?

Do you know how much your 401(k) or IRA will be worth at retirement -- and how much income you can expect from it?

Did you know that the IRS has penalty taxes if you take too little?

Do you know how much you should be saving each month in order to meet your retirement goals?

Recently, we acquired computer software that addresses all these issues -- and more.

I'll call in a few days to arrange a mutually agreeable time to show you details of the reports available from this software.

Sincerely,

Note to InsMark users:  This letter is best used as a pre-approach letter designed for specific telephone follow-up by you. We do not recommend you use it as a direct mail letter with a postcard response. If you must use it in this way, replace the last paragraph with: "If you would like to learn more about this software, please complete and return the enclosed postpaid reply card."

The Retirement Needs Analysis ("RNA") module can do all the calculations mentioned.