Newly revised to include all the changes under the American Taxpayer Relief Act of 2012! Life insurance, just like any other financial tool, should only be used when there is an objectively-defined need. Nationally preeminent estate planning attorneys and authors Robert A. Esperti, Renno L. Peterson and David K. Cahoone wrote the Guide to help professional planners and their clients determine if life insurance is appropriate to meet REAL rather than illusory planning needs. They are the authors of the best-selling Loving Trust, as well as the recently released Protect and Enhance Your Estate. They have written 27 books for professionals and the public. For more information, go to www.espertipetersoncahoone.com. The Guide is unique in that it incorporates the best of the Internet and the printed word. Clients, working with their advisors, can obtain access to professionally created interactive tools, including the Life Insurance Diagnostic Test™ (Life-Dat™), Life-Calc™ and Life-Retire-Calc™. The Guide begins with 20 Case Study Stories, which represent 20 of the most common family situations in which life insurance is the best—or only—solution to the planning facts. A vast majority of clients will recognize themselves, in whole or in part, in these Case Study Stories. The second Part of the Guide introduces and explains the Life-Dat™ test. The test, which is on-line, takes only a few minutes to complete. It immediately generates a “Results Report” that determines which of the Case Study Stories, if any, apply to him or her. The client and his or her advisor can then read the suggested Case Study Stories and decide if they reflect the client’s situation. If so, the client and advisor can then take the appropriate next steps. Part Three explains how the Life-Calc™, which is also on-line, helps clients to understand how much life insurance they need. While many advisors have access to their own calculators, Life-Calc™ is a simple and useful method to begin the process of making the decision to purchase life insurance. The Life-Retire Calc™ is for wealthier clients who have a retirement plan that may be useful in providing funds for life insurance premiums. Part Four is a helpful survey of estate planning. For those who have not yet planned their estates, and even for those who have planning in place, these chapters have some eye-opening facts that will help in understanding, implementing and improving estate planning. While the Guide alone will be helpful for many clients and advisors, in order to take full advantage of the power of the Guide the advisor must utilize the Life Insurance Diagnostic Test™. Please go to www.epcmethod.com to learn how to subscribe to the Life Insurance Diagnostic Test™.