A new world of Opportunity
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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!. Disclosure.

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A new world of Opportunity

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A new world of opportunity

A new world of Opportunity

What you do NOT know

about your Retirement

Options…

…Can devestateyou and your Family’s Future!


A new world of opportunity

Disclosure

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.


A new world of opportunity

So, what do we do?

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!

DO YOU WANT MORE OR LESS AT RETIREMENT?


A new world of opportunity

When can you afford to save for retirement?

You CAN NEVER afford to SAVE UNLESS you WANT TO!

party

diapers

car

house

not too late…

Midlife

crisis

vacation

kid’s

college

The time

to SAVE is NOW!!!


A new world of opportunity

Do you know your number to retire?

20 years of monthly retirement income from age 66-85 @ 8% assumed rate.

REQUIRED

MONTHLY SAVINGS TO AGE 65…


A new world of opportunity

The 5 retirement gotcha’s

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?


A new world of opportunity

Tax Risk

%

?

Future

WWII

1980s

2009

The Great

Depression

1950s

1960s

The time to SAVE is NOW!!!

Highest Federal Marginal Rates – Married Filing Jointly

What will future tax rates be?

LowerSame Higher


A new world of opportunity

Smart retirement Money Order

1. Free Money

2. Tax-Free Money

3. Taxed Deferred Money

4. Taxable Money


A new world of opportunity

Smart retirement Money Order

1. Free Money

2. Tax-Free Money

3. Taxed Deferred Money

4. Taxable Money

  • Inherited

  • Matching 401 (k) Money


A new world of opportunity

Smart retirement Money Order

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.


A new world of opportunity

Smart retirement Money Order

1. Free Money

2. Tax-Free Money

3. Taxed Deferred

4. Taxable Money

  • Annuities

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


A new world of opportunity

Smart retirement Money Order

1. Free Money

2. Tax-Free Money

3. Taxed Deferred

4. Taxable Money

  • Wages

  • Capital Gains

  • 1099 Interest


A new world of opportunity

Smart retirement Money Order

1. Free Money

2. Tax-Free Money

3. Taxed Deferred

4. Taxable Money

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


A new world of opportunity

Let’stake a look at the differencebetween a Tax-Deferredplan and a Tax-Freeplan:


A new world of opportunity

Example

Traditional IRA

Roth IRA

Tax-deferred

Tax Free

Tax-deferred growth

Tax-deferred growth

Taxed as ordinary

income on withdrawal

$0

Federal Tax for qualified distributions

After tax deposits

0 Tax on deposit


A new world of opportunity

Would you ratherpaytax on this…

Traditional IRA

Roth IRA

Tax-deferred

Tax Free

Tax-deferred growth

Tax-deferred growth

Taxed as ordinary

income on withdrawal

$0

Federal Tax for qualified distributions

After Tax deposits

0 Tax on deposits


A new world of opportunity

Or this?

Traditional IRA

Roth IRA

Tax-deferred

Tax Free

Tax-deferred growth

Tax-deferred growth

Taxed as ordinary

incomeon withdrawal

$0

Federal Tax for qualified distributions

After Tax deposits

0 Tax on deposits


A new world of opportunity

When you put your money into an IRA or 401 (k) are you reallysavingtax?

No. Simplydelayingtax – whichactually compounds the taxproblem.


A new world of opportunity

If you were a farmerwould you ratherpaytax on the seed… or the harvest?

Tax?

Tax?


A new world of opportunity

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


A new world of opportunity

Couldtherebe a betterway?

“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!


A new world of opportunity

4 Phases of Retirement Planning

The most important phases of retirement planning are the

WITHDRAWAL & TRANSFER

The time to SAVE is NOW!!!


A new world of opportunity

Gains linked to the

S&P 500, withoutmarketrisk!

Revolutionary Life insurance

You don’t need to die to use!


A new world of opportunity

Overcome the effects of risk

Indexing to the S&P 500

Annual

Monthly

Average

(Indexed – 5)

$

Minimum

Guaranteed

Contract

Value

S&P 500

Year

The time to SAVE is NOW!!!


A new world of opportunity

‘The greatestwealth accumulation vehicle of our time ’

Doug Warren


A new world of opportunity

The ultimate living benefit retirement income

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?

Retirement income security


A new world of opportunity

‘ Stop thinking of Life Insuranceas an expense and startthinking of it as a portfolio asset, justlike real estate, stocks and bonds ’


A new world of opportunity

Life InsuranceIllustration

The time to SAVE is NOW!!!


A new world of opportunity

Life InsuranceIllustration

The time to SAVE is NOW!!!


A new world of opportunity

Life InsuranceIllustration

The time to SAVE is NOW!!!


A new world of opportunity

PersonalPlan

Prepared for: IMA SAVER

Age: 35 Contribution: $200 per month to age 70

Total contributions @ 70 - $84,000

Age 70

Cash Accumulation:

$309,348 tax free

Retirement benefits:

Age 70-95

$46,910 per year, tax free

Total distributions - $1,172,750

Living benefits:

Terminal illness

Chronic, critical

Age 55………………

Age 55………………

$249,059

$221,008

Deathbenefit:

Age 70………………

Age 65………………

Age 55………………

Age 45………………

$355,750 tax free

$275,862 tax free

$275,862 tax free

$275,862 tax free

The time to SAVE is NOW!!!


A new world of opportunity

PersonalPlan (Child)

Prepared for: ChildSaver

Age: 8 Contributions: $100 per month to age 11

Total contributions - $194,400

Cash Accumulation:

Age 70

$309,348 tax free

Retirement benefits:

Age 70-95

$46,910 per year, tax free

Total distributions - $1,172,750

Living benefits:

Terminal illness

Chronic, critical

Age 55………………

Age 55………………

$249,059

$221,008

Deathbenefit:

Age 70………………

Age 65………………

Age 55………………

Age 45………………

$355,750 tax free

$275,862 tax free

$275,862 tax free

$275,862 tax free

The time to SAVE is NOW!!!

The time to SAVE is NOW!!!


A new world of opportunity

Why do you buyLife Insurance?

In case you die!

But mostwillgetsick first!

In fact, chances are muchgreaterthat you willgetsick 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?


A new world of opportunity

The 3 BIG dangers to you!

Heartattack

1,255,000 Americans suffer a heart attack every year… 17,600,000 Americans alive today have survived a Heart Attack!

Stroke

Each year 795,000 people suffer a stroke, many end up with permanent disabilities.

Cancer

3.5 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


A new world of opportunity

There is over a 70% chance

YOU willsuffer a criticalillness

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)


A new world of opportunity

There is over a 70% chance YOU willsuffer a criticalillnessby 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.”


A new world of opportunity

What most people do?

AssetReductionPlanning

  • Increase debt

  • Spend savings

  • Liquidate

  • Bankruptcy

There is a new insurancepolicythattakes 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.”


A new world of opportunity

LIVING BENEFITS:

Does your Life Insurancepolicycoverthese?

  • Critical illness

    • Heart attack, stroke, cancer, major organ transplant, blindness, lougehrig’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.”


A new world of opportunity

Whywould I needcriticalillnessinsurancebenefits?

  • 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.”


A new world of opportunity

Its your choice…

Up to 2.5 million upon diagnosis!

Would you prefer a

CARD OR A CHECK!

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


A new world of opportunity

A solution for everyfamily

A solution to fit any budget!!!

TERM: Affordable

Income Tax Free Death Benefit

Critical Illness Living Benefit

Chronic Illness Living Benefit

Terminal Illness Living Benefit

Convertible to the Index UL

Income Tax Free Death Benefit

Critical Illness Living Benefit

Chronic Illness Living Benefit

Terminal Illness Living Benefit

Tax Free Income at Retirement


A new world of opportunity

If I can show you a way

for the same amount of money

where you could have

Living Benefits

Protect your income

Increase your retirement savings

Tax Free Retirement

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 new world of opportunity

Base Shop Builder System

A business opportunity worth its weight in gold!


A new world of opportunity

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 USE

We work a proven SYSTEM

A chance to GET RICH

HELPING PEOPLE


A new world of opportunity

No Experience Required

No Franchise Fee’s

No Major Investment

Part / Full Time Available

Unlimited Income Opportunity

Bonus Pool Potential

Complete Business System

Company Ownership

Be In Business For Yourselfnot By Yourself


A new world of opportunity

HUGE INCOME POTENTIAL PART TIME / FULL TIME

WORK A PROVEN BUSINESS BUILDING SYSTEM!!!


A new world of opportunity

Why use a system?

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


A new world of opportunity

Part time incomepotential

Income on only 1 sale a week

SR Representative 40% =$5,200 Month*

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

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

*Based on average monthly policy premium of $250


A new world of opportunity

Partner Promotion Guidelines

  • Associate

  • Submit Independent Business Application

  • Obtain Solution Number

  • Representative

  • 30% Commission

  • Get life licensed

  • Do 3 split training sales with your recruiter

  • Senior Representative

  • 40% Commission

  • Produce three Representatives

  • Complete your personal plan written by your recruiter

  • District Leader

  • 45% Commission

  • Produce one Senior Representative

  • Submit $2,500 in Premium in one month

  • Division Leader

  • 50% Commission

  • Produce one District Leader

  • Submit $5,000 in Premium in one month

  • Regional Leader

  • 60% Commission

  • Produce two more District Leaders (total of three District Leaders)

  • Submit $7,500 in Premium in one month

Partner Levels


A new world of opportunity

Partner Promotion Guidelines

  • Sales Vice President

  • 75% Commission, Ownership and Profit Sharing Pool participation at 2% based on production percentage.

  • Have six District Leaders (or above) in place

  • Submit $20,000 in Premium during two consecutive months (minimum $8,000 in each month)

  • Have acceptable persistency

  • Execute SVP Agreement

  • Provide up line VP with replacement leg(s) - VP's choice: one Regional Leader or two Division Leaders or three District Leaders

  • Must have Office

  • Be 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 VPs

  • Submit $50,000 thru 1st in Premium; maximum credit 25% per leg; Base Shop Premium may only count for 50%

  • Minimum $10,000 Base Shop Premium

  • Pre-qualify month before with at least 75% of each of the two above premium requirements

  • Have acceptable persistency

  • Execute EVP Agreement

Partner Levels


A new world of opportunity

Partner Promotion Guidelines

  • Senior Executive Vice President

  • 75% Commission + Bonuses 6% - 81% Total. Ownership and Profit Sharing Pool 5% based on production percentage.

  • Produce six 1st-Generation RVPs

  • Submit 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 requirements

  • Have acceptable persistency

  • Execute SEVP Agreement

  • Executive National Vice President

  • 75% Commission + Bonuses 12% - 87% Total. Ownership and Profit Sharing Pool at 10% based on production percentage.

  • Produce nine 1st-Generation RVPs

  • Submit 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 requirements

  • Have acceptable persistency

  • Execute ENVP Agreement

Partner Levels


A new world of opportunity

SVP EVP SEVP ENVP

75% +3% bonus

75% +3% bonus

75% +3% bonus

75%

VP 1st

VP 2nd

VP 3rd

VP 4th

VP 5th

VP 6th

VP 7th

9%

3%

2%

2%

1%

1%

0%

12%

6%

5%

5%

4%

3%

3%

15%

9%

8%

8%

7%

6%

6%

21%

15%

14%

14%

13%

12%

12%

InfinityOverride


A new world of opportunity

Who are your top ten closest friends?

X

BEN

$100

X

X

AMY

CHLOE

Heart attack

Stroke

Cancer

X

YOU

DAN

PETER

X

$10,000

PAUL

ELI

X

X

JOE

ANNE

BRIAN


A new world of opportunity

Build a Team….Live the Dream

  • Great compensation to the Personal Producer and The Builder

  • Leverage 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 family

  • Join a True Crusade

  • Work 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.


A new world of opportunity

NEXT STEPS!

Get with the person that invited you

Make sure your plan is in place/do policy review

Make a list of your top ten friends you care about

Start your insurance licensing process

Thank You for listening!


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