A new world of Opportunity

A new world of Opportunity

What you do NOT know about your Retirement Options…

…Can devestate you and your Family’s Future!

The tax treatment of the products discussed within this presentation are based on our current understanding of tax laws, which are subject to change. Such information is presented for educational purposes only, and should not be relied upon as professional tax advice. WE DO NOT GIVE TAX OR LEGAL ADVISE.

Disclosure

IT’S SIMPLE!!!

“Common Sense Retirement”… We

show people how to get as much as

300% MORE SPENDABLE

DOLLARS at Retirement Tax Free

with no cost Living Benefits to protect

them on their road to retirement!

So, what do we do?

DO YOU WANT MORE OR LESS AT RETIREMENT?

You CAN NEVER afford to SAVE UNLESS you WANT TO!

When can you afford to save for retirement?

The time to SAVE is NOW!!!

party

diapers car

house Midlife

crisis vacation

not too late…kid’s

college

Do you know your number to retire?

20 years of monthly retirement income from age

66-85 @ 8% assumed rate. $3,000 $5,000 $7,000

Age

20 $68.00 $113.33 $158.66

30 $156.36 $260.59 $364.83

40 $377.13 $628.55 $879.98

50 $1,036.48 $1,727.47 $2,418.46

60 $4,881.30 $8,135.51 $11,389.71

REQUIRED MONTHLY SAVINGS TO AGE 65…

Procrastination: Enemy #1

Fee’s: Excessive and many are HIDDEN!

Market Risk: Are your ASSETS guaranteed or in the market…not guaranteed?

Health Risk: Are you prepared financially if you get sick and can not work?

Taxes: Our government is 17 trillion in debt, who is going to pay for it and how?

The 5 retirement gotcha’s


Tax Risk

%

Highest Federal Marginal Rates – Married Filing Jointly

The GreatDepression

WWII 1950s1960s

1980s 2009 Future

?What will future tax rates be? Lower Same

Higher

1. Free Money2. Tax-Free Money3. Taxed Deferred Money4. Taxable Money

Smart retirement Money Order

1. Free Money

2. Tax-Free Money3. Taxed Deferred Money4. Taxable Money

Smart retirement Money Order• Inherited• Matching 401 (k) Money

1. Free Money

2. Tax-Free Money

3. Taxed Deferred Money

4. Taxable Money


• Roth IRA• Life Insurance Cash Value *

*Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy's cash value in early years.

1. Free Money2. Tax-Free Money3. Taxed Deferred

4. Taxable Money


• Annuities• Tax-Qualified Plans such as 401 (k), IRA, etc.

1. Free Money2. Tax-Free Money3. Taxed Deferred4. Taxable Money


• Wages• Capital Gains• 1099 Interest

Smart retirement Money Order1. Free Money2. Tax-Free Money3. Taxed Deferred4. Taxable Money

Any contribution above the match of your 401(k) becomes tax-deferred money, and skips over #2 completely.

Let’s take a look at the difference between a Tax-Deferred plan and a Tax-Free plan:

ExampleTraditional IRA

Tax-deferredRoth IRA

Tax Free

Taxed as ordinaryincome on withdrawal

$0 Federal Tax for qualified distributions

Tax-deferred growth

Tax-deferred growth

0 Tax on

deposit

After tax

deposits

Would you rather pay tax on this…Traditional IRA


Tax Free



Tax-deferr

ed growt

h

Tax-deferr

ed growt

h

0 Tax on

deposits

After Tax

deposits

Or this?Traditional IRA


Tax Free



Tax-deferr

ed growt

h

Tax-deferr

ed growt

h

0 Tax on

deposits

After Tax

deposits

When you put your money into an IRA or 401 (k) are you really saving tax?

No. Simply delaying tax – which actually compounds the tax problem.

If you were a farmer would you rather pay tax on the seed… or the harvest?

Tax?

Tax?

Is your IRA/401k/403B underwater?“The ugly truth, is that the 401K is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our Retirement Reserves” Oct 19th 2009

Could there be a better way?“We live in a world of financial noise. I am shocked at the overwhelming lack of understanding in the entire financial industry about how money works”

Yes!There is a better way!


4 Phases of Retirement Planning

The most important phases of retirement planning are the WITHDRAWAL & TRANSFER

Contribution Accumulation Withdrawal Transfer

IRA/401K/403B Tax Favored Tax Favored Taxed Taxed

Indexed ULAfter Taxed Tax Favored Tax Favored Tax Favored

Revolutionary Life insuranceYou don’t need to die to use!

Gains linked to theS&P 500, without

market risk!


Overcome the effects of riskIndexing to the S&P 500

$

Year

Annual MonthlyAverage

(Indexed – 5)

S&P 500

MinimumGuaranteed

ContractValue

‘The greatest

wealth accumulation vehicle of our

time ’

Doug Warren

The ultimate living benefit retirement income

Retirement income security

Are you Concerned about? OUTLIVING YOUR INCOME, 401K FEE’s, and MARKET RISK DURING DISTRIBUTION? YOU SHOULD BE! Will Social Security be there? What will the MULTI TRILLION DOLLAR DEFICIT DO TO OUR ECONOMY? Are you interested in an Income Benefit YOU CANNOT OUTLIVE…GUARANTEED?

‘ Stop thinking of Life Insurance as an expense and start thinking of it

as a portfolio asset, just like real estate, stocks

and bonds ’


Life Insurance Illustration


Personal PlanPrepared for: IMA SAVER

Age: 35 Contribution: $200 per month to

age 70Total contributions @ 70 - $84,000

Cash Accumulation:Age 70 $309,348 tax free

Retirement benefits:Age 70-95 $46,910 per year, tax free

Living benefits:Terminal illnessChronic, critical

Age 55………………Age 55………………

$249,059$221,008

Death benefit: Age 70………………Age 65………………Age 55………………Age 45………………

$355,750 tax free$275,862 tax free$275,862 tax free$275,862 tax free

Total distributions - $1,172,750


Personal Plan (Child)


Age: 8 Contributions: $100 per month to

age 11Total contributions - $194,400

Cash Accumulation:Age 70 $309,348 tax free

Retirement benefits:Age 70-95 $46,910 per year, tax free

Living benefits:Terminal illnessChronic, critical

Age 55………………Age 55………………

$249,059$221,008

Death benefit: Age 70………………Age 65………………Age 55………………Age 45………………

$355,750 tax free$275,862 tax free$275,862 tax free$275,862 tax free

Total distributions - $1,172,750

Prepared for: Child Saver

Why do you buy Life Insurance?In case you die!But most will get sick first!In fact, chances are much greater that you will get sick and survive your illness!Would you feel more secure knowing your Life Insurance would pay you up to 2.5 million Tax Free if you became ill?

The 3 BIG dangers to you!Heart attack1,255,000 Americans suffer a heart attack every year… 17,600,000 Americans alive today have survived a Heart Attack!StrokeEach year 795,000 people suffer a stroke, many end up with permanent disabilities.

Cancer3.5 million new cases a year, avg. cost $146,000. Over 65% of expenses are indirect & not covered by traditional insurance.11,714,000 people currently living with cancer*

American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007

There is over a 70% chance YOU will suffer a critical illness by age 65!• Medical issues contributed to Over two-thirds

of all Bankruptcies in the United States. (Harvard Study 2008)

• A 2008 Harvard University study found that approximately 80% had health insurance at the start of the bankrupting illness. • Statistics show that Critical illnesses are

striking more Americans every year. • An American is diagnosed with cancer every

9.3 seconds!) (American Cancer Society)

There is over a 70% chance YOU will suffer a critical illness by age 65!

EVERY YEAR OVER 6 MILLION

AMERICANS SUFFER A HEART ATTACK,

STROKE or CANCER!*

* American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”


What most people do?Asset Reduction Planning• Increase debt• Spend savings• Liquidate• BankruptcyThere is a new insurance policy that takes care of your needs!And gives you solutions!


LIVING BENEFITS:Does your Life Insurance policy cover these?• Critical illness

• Heart attack, stroke, cancer, major organ transplant, blindness, lou gehrig’s disease, end stage renal failure• Chronic illness

• Unable to perform 2 of the 6 daily living activities or cognitive impaired• Terminal illness

• If you are diagnosed with less than 2 years to live

At no additional premium!


Why would I need critical illness insurance benefits?• Cash to pay for medical treatments not

covered by your health plan.• Cash to pay your mortgage while you are

recovering.• Cash to pay bills - from car payments to

insurance premiums.• Cash so you can travel for treatments not

available locally.• Cash to pay for experimental treatments (not

covered).• Cash to replace a spouse's income while

caring for the insured.

We think you'll find a way to put the cash to good use.


Its your choice…

Up to 2.5 million upon diagnosis!

Would you prefer a CARD OR A CHECK!

A solution for every familyA solution to fit any

budget!!!TERM: Affordable

Income Tax Free Death Benefit

Critical Illness Living Benefit

Chronic Illness Living Benefit

Terminal Illness Living Benefit

Tax Free Income at Retirement

Income Tax Free Death Benefit

Critical Illness Living Benefit

Chronic Illness Living Benefit

Terminal Illness Living Benefit

Convertible to the Index UL

Living BenefitsProtect your incomeIncrease your retirement savingsTax Free Retirement

If I can show you a wayfor the same amount of moneywhere you could have

Is there any reason you would not move forward TODAY?GREAT! We need to collect your current policies and do a FREE cost savings analysis!

A business opportunity worth

its weight in gold!

Base Shop Builder System

A Chance to Change the Largest Industry in the World… A REVOLUTION!A TRUE CRUSADE…We save lives, peoples homes, and families.

Life Insurance and Annuities YOU DON’T HAVE TO DIE TO USEWe work a proven SYSTEMA chance to GET RICH HELPING PEOPLE

No Experience RequiredNo Franchise Fee’sNo Major InvestmentPart / Full Time AvailableUnlimited Income OpportunityBonus Pool PotentialComplete Business SystemCompany Ownership

Be In Business For Yourself not By Yourself

HUGE INCOME POTENTIAL PART TIME /

FULL TIMEWORK A PROVEN BUSINESS BUILDING SYSTEM!!!

Why use a system?

To Help you Market your Business more Efficiently and a Proven System to Follow!

Part time income potential

SR Representative 40% =$5,200 Month*

Sales Vice President 75% =$9,750 Month*

You can start Part Time…and own your own company!!

Income on only 1 sale a week

*Based on average monthly policy premium of $250

Part

ner

LevelsAssociate

Submit Independent Business ApplicationObtain Solution Number

Representative30% CommissionGet life licensedDo 3 split training sales with your recruiter

Senior Representative40% Commission Produce three RepresentativesComplete your personal plan written by your recruiter

District Leader45% Commission Produce one Senior RepresentativeSubmit $2,500 in Premium in one month

Division Leader50% CommissionProduce one District LeaderSubmit $5,000 in Premium in one month

Regional Leader60% CommissionProduce two more District Leaders (total of three District Leaders)Submit $7,500 in Premium in one month

Partner Promotion Guidelines

Sales Vice President75% Commission, Ownership and Profit Sharing Pool participation at 2% based on production percentage.Have six District Leaders (or above) in placeSubmit $20,000 in Premium during two consecutive months (minimum $8,000 in each month)Have acceptable persistencyExecute SVP AgreementProvide up line VP with replacement leg(s) - VP's choice: one Regional Leader or two Division Leaders or three District LeadersMust have OfficeBe full time

Executive Vice President

75% Commission + Bonuses 3% - 78% Total. Ownership and Profit Sharing Pool 3% based on production percentage.Produce three 1st-Generation VPsSubmit $50,000 thru 1st in Premium; maximum credit 25% per leg; Base Shop Premium may only count for 50%Minimum $10,000 Base Shop PremiumPre-qualify month before with at least 75% of each of the two above premium requirementsHave acceptable persistencyExecute EVP Agreement

Part

ner

Levels


Senior Executive Vice President75% Commission + Bonuses 6% - 81% Total. Ownership and Profit Sharing Pool 5% based on production percentage.Produce six 1st-Generation RVPsSubmit either $100,000 thru 2nd in Premium or $150,000 thru 6th in Premium; maximum credit 25% per leg; Base Shop Premium may only count for 50%Pre-qualify month before with at least 75% of the above premium requirementsHave acceptable persistencyExecute SEVP Agreement

Executive National Vice President75% Commission + Bonuses 12% - 87% Total. Ownership and Profit Sharing Pool at 10% based on production percentage.Produce nine 1st-Generation RVPsSubmit either $250,000 thru 3rd in Premium or $450,000 thru 6th in Premium; maximum credit 25% per leg; Base Shop Premium may only count 50%Pre-qualify month before with at least 75% of the above premium requirementsHave acceptable persistencyExecute ENVP Agreement

Part

ner

Levels


VP 1st

VP 2nd

VP 3rd

VP 4th

VP 5th

VP 6th

VP 7th

SVP EVP SEVP ENVP

75% 75% +3% bonus

9%

3%

2%

2%

1%

1%

0%

75% +3% bonus75% +3% bonus

12%

6%

5%

5%

4%

3%

3%

15%

9%

8%

8%

7%

6%

6%

21%

15%

14%

14%

13%

12%

12%

Infinity Override

Who are your top ten closest friends?

$100

Heart attackStrokeCancer

$10,000

YOUPETER

AMY

BEN

CHLOE

DAN

PAUL

ANNEBRIAN

JOE

ELI

XX X

X

XXX

Build a Team….Live the DreamGreat compensation to the Personal Producer and The BuilderLeverage your income - ENVP example

Override 5 generations of ENVP base shop units (example ENVP thru 5 generations = 164% contract)

75%+12%+21%+15%+14%+14%+13% = 164%Huge Base Shop overrides 45% to 57%.... EXCITING!!Put the Power of Leverage to work for you and your familyJoin a True CrusadeWork a Proven System, which will solve your prospecting problems FOREVER!!Personal sale: this is our system of self-consumption, a huge gain for you in the long run. If you can’t qualify then use a surrogate (spouse) or the first monthly premium goes to your up line.

NEXT STEPS!Get with the person that invited you

Make sure your plan is in place/do policy reviewMake a list of your top ten friends you care aboutStart your insurance licensing process

Thank You for listening!

A new world of Opportunity

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