The following template was prepared by the Solari Report. [NAME OF AUTHOR(S)][ADDRESS OF AUTHOR(S)][EMAIL ADDRESS OF AUTHOR(S)][TELEPHONE NUMBER OF AUTHOR(S)] [Date] Joe Insurance BrokerInsurance Brokers, Inc.1234 Happy LaneCity, State Zip Code Re:   John and Mary Smith            Insurance Carrier, Inc. Term/Whole Life/Disability/Other] Insurance Policy            Policy No. ________________ Dear Joe: I/We are writing to ask your advice regarding my/our insurance policy(ies) issued by [Insurance Carrier, Inc.] in light of recent financial market revelations. In November 2022, I/we saw in The Wall Street Journal that the stock of industry leader Lincoln Financial fell by 30% in just one day. Lincoln Financial itself was downgraded from A+ to A and is on negative outlook (for possible further downgrades). See the press release below for additional details about AM Best’s reasoning and future expectations. Also note Lincoln Financial’s recapitalization with 9.25% preferreds following the blow-up and some other comments in this press release: https://news.ambest.com/presscontent.aspx?refnum=32763&altsrc=2. Lincoln has had to raise additional funds to maintain its required…