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VENDOR.TXT - File for Distributors of Shareware
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     This file is provided to explain the benefits of this shareware program
     for distributors and users of the program. A the end will be a short
     and longer version of a suggested layout for a catalog listing and/or
     advertising copy to promote this program.

     This Financial Planner module is designed to assist individuals in the
     planning for INCOME PROTECTION (Financial Situation if Disabled). 
     Financial Planners know that disablility planning is the most-often-
     overlooked are of planning. Most people do not even know the amount of
     their benefits even though according to the Health Insurance Assoc of
     America, anyone over 21 has a one chance in three of being disabled
     before they retire.

     Insurance is usually used to cover any shortages in income protection
     needs. Amounts of Insurance should be based on covering exposed risk and
     not some arbitrary formula such as X% or X times earnings. The optimum
     situation is not needing any insurance because their savings and
     investment assets would cover any exposed risk.

     This program will help analyse their situation and if deficient, suggest
     the appropriate amounts of insurance that is required to meet their income
     protection goal. By using this program all these questions can be
     answered. They can monitor their situation as ofter as they like, because
     they have the tool to do it with this program. 

     If income protection planning is important to them, ordering and reviewing
     this program as shareware is a valuable and desired asset for their
     personal financial planning. This type of program according to financial
     planning research is desired and needed, it will also give added utility
     for purchasing and using a personal computer.

     This program is always being revised because of changes in the tax laws
     and improvement suggestions from users. Updated versions (and newly
     developed programs) will be supplied to distributors which express an
     interest or who market the program.







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Suggested Layouts:
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Short version: 
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FPLAN - INCOME PROTECTION PLANNER: Comprehensive planning application for
                      having financial security if disabled an can not work.

Longer version:
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 FPLAN - INCOME PROTECTION PLANNER: by First Financial Software is a total
 income protection (disablility insurance) planner designed for easy use.
 Included are automatic demonstrations for each of the functions to familiarize
 you with the program. All of your data, from a comprehensive questionnaire,
 can be entered into the program to determine the status of your desired income
 protection status, if disabled and printed out. Great for helping you achieve
 the optimum financial situation for income protection.

  (This file should be deleted from retail distributation copies of program.)
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