Dear Policy Owner,

You and I have purposes in this world, which when analyzed, are quite similar. It is your job to provide food, clothing, shelter, schooling, medicine, and many other things for your loved ones. You do this while I lie packed away. I must have faith and trust in you. Out of your earnings will come the cost of my upkeep. At times I may appear to be somewhat worthless to you, but some day (and who knows when) you and I will change places. When you are laid to rest, I will come alive and do your job. I will provide the food, clothing, shelter, schooling, medicine, and other things your family will continue to need just as you are doing now. When your work is done, mine will begin; through me your hands will carry on.

Should you live and care for your family without me, I will really do a job for you. When you reach the golden retirement age, I will go into action and help provide some of the necessary dollars that will be needed when you can no longer work (referring to a permanent policy). Whenever you feel the price you are paying for my upkeep is a burden, remember that I will do more for you and your family than you can ever do for me. If you do your part, I guarantee to do mine.

Truly,

Your Life Insurance Policy