a new world of opportunity what you do not know about your retirement options… …can devestate...
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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
The time to SAVE is NOW!!!
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
Smart retirement Money Order
• 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
Smart retirement Money Order
• Annuities• Tax-Qualified Plans such as 401 (k), IRA, etc.
1. Free Money2. Tax-Free Money3. Taxed Deferred4. Taxable Money
Smart retirement Money Order
• 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-deferredRoth IRA
Tax Free
Taxed as ordinaryincome on withdrawal
$0 Federal Tax for qualified distributions
Tax-deferr
ed growt
h
Tax-deferr
ed growt
h
0 Tax on
deposits
After Tax
deposits
Or this?Traditional IRA
Tax-deferredRoth IRA
Tax Free
Taxed as ordinaryincome on withdrawal
$0 Federal Tax for qualified distributions
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!
The time to SAVE is NOW!!!
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!
The time to SAVE is NOW!!!
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 ’
The time to SAVE is NOW!!!
Life Insurance Illustration
The time to SAVE is NOW!!!
Life Insurance Illustration
The time to SAVE is NOW!!!
Life Insurance Illustration
The time to SAVE is NOW!!!
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
The time to SAVE is NOW!!!
Personal Plan (Child)
The time to SAVE is NOW!!!
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.”
* 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!
* American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”
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!
* American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”
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.
* American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”
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 Application• Obtain Solution NumberRepresentative• 30% Commission• Get life licensed• Do 3 split training sales with your recruiterSenior Representative• 40% Commission • Produce three Representatives• Complete your personal plan written by your recruiterDistrict Leader• 45% Commission • Produce one Senior Representative• Submit $2,500 in Premium in one monthDivision Leader• 50% Commission• Produce one District Leader• Submit $5,000 in Premium in one monthRegional Leader• 60% Commission• Produce two more District Leaders (total of three District Leaders)• Submit $7,500 in Premium in one month
Partner Promotion Guidelines
Sales Vice President• 80% Base Commission, Generational Overrides• Override = 20% on Reg. Leaders, 30% on Div. Leaders, 35% on Dist.
Leaders, 40% on Sr. Reps, and 50% on Reps• Eligible for rewards, 2% *Profit Sharing Pool, and 2% *Ownership Pool• Must have six Division Leaders and one Regional Leader in your Base Shop• Must have $20,000 in weighted premium in two month period• Must have acceptable persistency, completed SVP agreement, Office, and
be Full Time• Must Provide up-line with Replacement Leg - Choice of 1 Reg. Leader, 2
Div. Leaders or 3 Dist. Leaders Executive Vice President• 83% Base Commission, Generational Overrides• Override = 23% on Reg. Leaders, 33% on Div. Leaders, 45% on Dist.
Leaders, 43% on Sr. Reps, and 53% on Reps• Eligible for rewards, 3% *Profit Sharing Pool, and 3% *Ownership Pool• Must have 3 first generation SVP’s or Higher• Have $50,000 in weighted premium, Max 25% credit per leg, Max from
Base Shop 50%• Must have minimum of $10,000 in weighted premium from Base Shop• Pre-Qualify the previous month with at least 75% of requirements. • Must have acceptable persistency, completed EVP agreement, Office, and
be Full Time
Part
ner
Levels
Partner Promotion Guidelines
Senior Executive Vice President• 86% Base Commission, Generational Overrides• Override = 26% on Reg. Leaders, 33% on Div. Leaders, 41% on Dist.
Leaders, 46% on Sr. Reps, and 56% on Reps• Eligible for rewards, 5% *Profit Sharing Pool, and 5% *Ownership Pool• Must have 6 first generation SVP’s or Higher• Have $150,000 in weighted premium, Max 25% credit per leg, Max from
Base Shop 50%• Must have minimum of $20,000 in weighted premium from Base Shop• Pre-Qualify the previous month with at least 75% of requirements. • Must have acceptable persistency, completed SEVP agreement, Office,
and be Full Time
Executive National Vice President• 92% Base Commission, Generational Overrides• Override = 32% on Reg. Leaders, 42% on Div. Leaders, 47% on Dist.
Leaders, 52% on Sr. Reps, and 62% on Reps• Eligible for rewards, 10% *Profit Sharing Pool, and 10% *Ownership Pool• Must have 6 first generation SVP’s or Higher• Have $450,000 in weighted premium, Max 25% credit per leg, Max from
Base Shop 50%• Must have minimum of $40,000 in weighted premium from Base Shop• Pre-Qualify the previous month with at least 75% of requirements. • Must have acceptable persistency, completed ENVP agreement, Office,
and be Full Time
Part
ner
Levels
Partner Promotion Guidelines
VP 1st
VP 2nd
VP 3rd
VP 4th
VP 5th
VP 6th
VP 7th
SVP EVP SEVP ENVP
80%
9%
3%
2%
2%
1%
1%
0%
92%
12%
6%
5%
5%
4%
4%
3%
15%
9%
8%
8%
7%
7%
6%
21%
15%
14%
14%
13%
13%
12%
Infinity Override
83% 86%
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!
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