How to Grow and Protect Your Wealth –

How to Grow and Protect Your Wealth –
Even When Stocks, Real Estate, and Other Investments Tumble © Hayward-Yellen 100 Ltd Partnership

What is Bank On Yourself?
A guaranteed way to grow your savings predictably every single year, even when stocks, real estate and other investments tumble! A method used by hundreds of thousands of Americans who sleep well, because not one of them lost a single penny when the markets crashed

A strategy that allows you to fire your greedy banker and credit card companies – and become your own source of financing! A program that can give you a guaranteed and predictable retirement income when you want it – with potentially little or no tax consequences, under current tax law

A way to use your money to buy things or invest elsewhere – while your plan continues to grow just as if you never touched a dime of it!

Have You Been Doing All the “Right Things” … with Disappointing Results?
How many of you can tell me what your retirement account will be worth on the day you plan to retire? If you don’t know how much your account will be worth, you don’t have a plan You’re gambling!

Three-Legged Retirement Stool
Conventional Wisdom: Three-Legged Retirement Stool Stock Market Home Equity Social Security

Conventional Wisdom: Stock Market
In the last decade, Wall Street lost more than 45% of the typical investor’s money - TWICE

For the last two decades, the typical equity fund investor only beat inflation by a measly 1% per year. DALBAR’s 2011 Quantitative Analysis of Investor Behavior

The top-performing mutual fund of the last decade had an 18% annual return. So, what would you guess was the annual return of the typical investor in that fund? Take a guess.

He LOST an average of 11% … every year … for 10 years!
Conventional Wisdom: Stock Market He LOST an average of 11% … every year … for 10 years! Source: Morningstar, Inc.

Conventional Wisdom: Stock Market HOW IS THAT POSSIBLE???

Buy Sell Duh!!! Conventional Wisdom: Stock Market
Mutual fund firms advertise “buy and hold” results But what do we do? We buy after a strong run-up We hold our fund for less than five years Sell Then we sell when the fund tanks Duh!!!

What About Precious Metals as Investments?
When (and if) gold reaches $2,500 an ounce, it will only be worth about what it was worth 31 years ago, after adjusting for inflation! InflatationData.com

What About Precious Metals as Investments?
Not too long ago, silver lost 1/3 of its value in just two weeks. So much for the conventional wisdom about investing! Source: Finance.yahoo.com

Conventional Wisdom: Home Equity We were taught to count on our home equity to finance our retirement.

Conventional Wisdom: Home Equity But the average home price has plunged to where it was in 2002, wiping out a decade of equity!

So much for the conventional wisdom about home equity!
Today, one out of every four families with mortgages owes more than their home is worth. They’re under water! So much for the conventional wisdom about home equity! “Housing Imperils Recovery,” S. Maitra Kalita, Wall Street Journal, June 1, 2011

So much for the conventional wisdom about Social Security!
The government keeps changing its mind about when Social Security and Medicare will go bust. And the news is getting worse, not better. So much for the conventional wisdom about Social Security! “U.S. Medicare to hit financial woes sooner than expected,” Reuters, May 13, 2011.

Humorist Dave Barry has one answer:
The key to eliminating retirement uncertainty is to plan carefully, save as much as possible, invest wisely, and then, at age 65, get hit by a bus.

The Really Bad News: Stock Market Home Equity Social Security
We can no longer rely on the Three-Legged Retirement Stool Stock Market Home Equity Social Security

method provides a solution
The Really Good News: The Bank On Yourself method provides a solution to these challenges!

So what is the Bank On Yourself Method?

So What is the Bank On Yourself Method?
A turbo-charged variation of a financial asset that has increased in value – During EVERY market crash … In EVERY period of boom AND bust … For more than 160 years: Dividend-paying whole life insurance

Dividend-Paying Whole Life Insurance?
You’re Kidding, Right? Dividend-Paying Whole Life Insurance? NOT the kind of whole life insurance most advisors and experts talk about You don’t have to die to “win”

Dividend-Paying Whole Life Insurance
Although most financial “gurus” tell you to avoid cash value insurance, a properly designed Bank On Yourself-type policy will … beat the pants off your best saving or investing method!

The Bank On Yourself Method Requires
A dividend-paying whole life policy Customized with added features most advisors and experts don’t know about or understand A rider that significantly turbo charges the growth of your money, especially in the early years An advisor willing to give up 50-70% of his or her commission. Really.

The Bank On Yourself Method Gives You
Growth that is guaranteed And predictable

How is a Bank On Yourself-type policy different from the policies Suze Orman, Dave Ramsey, and other financial “gurus” grouse about?

Whole Life Polices Dave & Suze Love To Hate Bank On Yourself-Type Dividend-Paying Whole Life Policies No cash value in early years Special feature gives you up to 40 times more cash value Death benefit stays level for the life of the policy Both your death benefit and cash value grow at a steeper pace – every year Company only pays the death benefit Policy can pay a sum equal to original death benefit PLUS the current cash value PLUS even more

Memo To: Dave and Suze “The highest form of ignorance is to reject something you know nothing about.” – Wayne Dyer Dr. Wayne Dyer

Buy Term and Invest the Difference?
Term Insurance: You rent it, like you rent an apartment Whole-Life Insurance: You own it, like you own your home

Term Insurance Nothing to show unless you die during the term. (Penn State University reports that 99% of term policies never pay a claim.) No inflation protection. (After 20 years of 4% inflation, it’s worth less than half its original value.) If your health deteriorates and you want to renew … good luck. (It’ll cost you more … if you even qualify to renew.)

Dividend-Paying Whole Life Insurance
You build equity at a guaranteed, predictable rate Use your equity however and whenever you want No applying or begging to get your money – you can’t be turned down for a loan! Pay back your loans on your terms In an emergency you can reduce or skip some payments – no black marks on your credit report, and no collection calls! Guarantees based on the claims-paying ability of the insurer. Policy loans accrue interest, and they lower policy values until repaid. Excess loans may terminate a policy with tax consequences

Will Rogers American Humorist and Philosopher
The problem in America isn’t what people don’t know. The problem is what people think they know, that just ain’t so. Will Rogers American Humorist and Philosopher

Wall Street’s “Dirty Little Secrets”
Myth or Fact: Big Risk = Big Reward? Myth! For the last 40 years ordinary long-term treasury bonds have outpaced the stock market! What does that mean for stock market investors? Source: Journal of Indexes, May/June 2009

It means the only “rewards” investors received for taking the extra risk of stocks and equity mutual funds for the past 40 years are sleepless nights and broken retirement dreams!

Four out of five investment advisors underperform the overall market Four out of five mutual funds underperform the overall market Source: Hulbert Financial Digest

If you have a $20 stock and it increases by 40%, how much is it then worth? NOT WORTH ANYTHING UNTIL YOU SELL IT AND HOPEFULLY LOCK IN YOUR GAINS We call that the HOPE & PRAY method

The ONLY thing Wall Street guarantees you is that they get paid … whether you win OR lose!

Compare That with Bank On Yourself

How Does the Bank On Yourself Method Grow Your Wealth Safely and Predictably?
You receive a pre-set and guaranteed cash value increase every year Neither your principal nor your gains are lost when the market tumbles

Growth is not only guaranteed, it’s exponential – it gets better every year simply because you stick with it

You may also receive dividends – they’re not guaranteed, but have been paid every single year for more than 100 years by the companies we use for these plans

Do You Ever Dread Opening Your Investment and Retirement Account Statements?
Can you imagine looking forward to opening your statements because they always have good news and never any ugly surprises?

When Do You Think the Dow Will Hit 27,000?
What’s the lowest minimum annual return you would accept to be willing to endure the roller-coaster ups and downs of the market? How many of you would do it for a 3% annual return? Would you do it for 5% per year? How about 7% per year? How many would demand 10% per year?

If you wouldn’t ride that roller coaster unless you could be sure of getting a 5% annual return, then the Dow needs to be higher than 27,000 – today – just to get you even with where you were 12 years ago (after adjusting for inflation)! Proof and calculations at

And if you wouldn’t be willing to take that ride for anything less than 7% annually, the Dow needs to be above 34,000 today, after adjusting for inflation So … when do you think the Dow will hit 27,000? What’s the Dow at today? Proof and calculations at

A Better Place to Park Your Money
Your money needs to “live” somewhere: Savings account Checking or money market or CD Investment account (inside or outside a retirement plan) Real estate Precious metals or currency Commodities Under your mattress What’s the best place to park money you need to keep safe and liquid?

No better place than a: Dividend-paying whole life insurance policy Designed to maximize the power of the Bank On Yourself concept From a top-rated, rock-solid company

Five Reasons Why: You could get substantially better growth than a CD or a savings or money market account – without taking on more risk Benefit: You will be growing a retirement account you can predict and count on 1

Five Reasons Why: You will be able to get your hands on your equity whenever you need it, for whatever reason Benefit: Pay it back on your schedule, not someone else’s 2 Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences.

Five Reasons Why: Unlike a 401(k) or investment account, no surprise fees and expenses Benefit: Know your bottom-line results in advance 3

Five Reasons Why: A death benefit that could be many times greater than your cash value Benefit: Financial security and peace of mind for your loved ones … a charitable legacy that can last long after you have gone 4

Five Reasons Why: Bank On Yourself-type policies allow you to borrow your cash value and your policy continues to grow Benefit: You will earn the exact same guaranteed cash value increase and the same dividend you would if you didn’t use the money in your plan 5 Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences.

Does having money safe and available when you need it take away any of your options? 56

Secrets of the Millionaire Mind
If you’re looking for more of the same conventional financial advice, this isn’t for you. But if you’re prepared to take back control of your financial life once and for all, Bank On Yourself is a ground-breaking method that can put you on the fast track to reaching your goals and dreams. T. Harv Eker, Author, New York Times #1 Bestseller, Secrets of the Millionaire Mind

We Make Major Purchases
Let’s Look at the Ways We Make Major Purchases Finance Lease Pay Cash

We Make Major Purchases
Let’s Look at the Ways We Make Major Purchases If you finance a car, what do you have to show for your money after your loan is paid off? If you lease the car, what do you have to show for it when the lease is up? If you save up for it in a savings account, when you pull your money out to pay cash, how much are you now earning on your money?

Financing, leasing and paying cash are all losing scenarios, because …
You either pay interest when you finance or lease things Or you lose interest and investment income you could have had if you kept the money invested instead

However … If you save your money in a Bank On Yourself-type policy You can borrow it to pay cash for a car – or anything else And the money in your plan will continue growing as though you never touched a dime of it!

How Is That Possible?!?

How Is That Possible?!? When you take a policy loan, you are borrowing against the cash value and using the death benefit as collateral for the loan If you die with a loan outstanding, they would simply deduct it from your death benefit

How Is That Possible?!? Dividends are calculated based on your policy’s death benefit, not its cash value The companies we use pay the same dividend regardless of any loans This feature allows you to use your money in the policy and still have it working for you Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences. Dividends, though not guaranteed, have been consistently paid for 100+ years by some companies.

I’ve used the Bank On Yourself method for the past eleven years to recapture what I pay for my cars, as a ready source of capital for my business, and to help finance a real estate investment. It’s safe, proven and should be part of any financial foundation. Garrett Gunderson, New York Times best-selling author of Killing Sacred Cows

Most baby boomers know they won’t be able to retire when they had planned. So they try to convince themselves that retirement is overrated. They talk about continuing to work as long as they can. They don’t realize that about four in ten retirees were forced out of work earlier than they had planned because of layoffs, poor health or the need to take care of a loved one. Source: Employee Benefit Research Institute

Shouldn’t the decision to
retire or not be a matter of choice, not necessity?

The Disturbing Truth About 401(k)s
On average, participants in small plans pay 1.9% in fees annually and participants in large plans pay 1.08% per year Even paying total fees and expenses of only 1.5% can wipe out 39% of your retirement nest egg! Source: “Find the Fees,” by Emily Lambert, Forbes, June 6, 2011

There is a tax-time bomb hidden in your 401(k), because one of its big appeals is that it lets you defer you taxes. But what happens if tax rates go up over the long term? Do you think they might?

And what happens if you are actually successful in growing your account? You’re going to pay higher taxes on a bigger number!

The 401(k) Disaster The reality is that when you factor in fees, inflation and deferred taxes you will owe, your 401(k) will probably have to deliver an average annual return of 8% to 10% – just to break even with what you paid into it! Source: “Zombie Investors,” October 2010 cover story, by Dean Rotbart and Pamela Yellen, BankOnYourself.com, with in-depth documentation

John Goodson, Senior Attorney, Goodson Manley Forakis, PLC
I have been an estate, business and charitable planning attorney for over 45 years. Bank On Yourself is a real winner. The technique also enables setting up asset protection, stand-by emergency money and tax savings. John Goodson, Senior Attorney, Goodson Manley Forakis, PLC

How Safe Is Your Money in a Bank On Yourself policy?
The companies we use for these policies are among the financially strongest life insurance groups in the world They aren’t owned by stockholders, which lets them focus on the long-term best interests of policy owners, rather than the short-term demands of Wall Street Paid dividends every year for at least 100 years, including during the Great Depression

Three-Layer Safety Net
Life insurance companies are audited regularly to ensure they maintain sufficient reserves to pay future claims If a company gets into financial difficulty, the state insurance commissioner’s office can step in and take over and run the company in the interest of policy holders – usually a failed insurer’s business is then taken over by another life insurance company Rated regularly by a handful of independent rating companies

Some of the Ways You Can Use Bank On Yourself
Rock-solid retirement plan alternative Pay for college without going broke Finance major purchases (including business purchases) yourself Emergency cash reserve Eliminate debt and increase savings Bypass banks and Wall Street altogether!

Some of the Ways You Can Use Bank On Yourself
Rose Hillbrand of Ohio shares some of the ways she has used Bank On Yourself to get of debt and become her own source of financing. …

Bank On Yourself Makes an Excellent Alternative to Traditional Retirement Plans
Guaranteed, predictable growth and retirement income – with no luck, skill or guesswork required Your plan doesn’t go backward when the markets tumble Control of your money without government restrictions Potentially tax-free retirement income, under current tax laws Guarantees based on the claims-paying ability of the insurer

Bank On Yourself Makes an Excellent Alternative to Traditional Retirement Plans
You can use your equity any way you like … and your plan could grow as though you never touched a dime of it It gives you peace of mind – your family could even receive the money you intended to save, if you pass away prematurely

Bank On Yourself is a powerful and time-tested method that can guarantee your financial security now and in the years to come. Mark Victor Hansen, co-author, Chicken Soup for the Soul series (more than 100 million copies sold)

The ultimate financial security blanket – in both good times and bad
Bank On Yourself The ultimate financial security blanket – in both good times and bad

Who Has Used the Bank On Yourself Method Creatively and Successfully?
Walt Disney Borrowed from his life insurance policy in 1953 to fund Disneyland … when no banker would lend him a dime! Source:

J.C. Penney Borrowed from his life insurance policy to meet the company payroll following the 1929 stock market crash Source:

Doris Christopher Sold her company, The Pampered Chef, to Warren Buffett for $900 million. She had launched the company seven years earlier with a life insurance policy loan! Source:

Is Age or Health a Barrier?
Don’t rule yourself out – you don’t have to be the insured on the policy What’s important is that you own and control the policy

How Much Does It Cost to Start a Bank On Yourself-Type Policy?
No set amount – each plan is custom tailored Bank On Yourself Advisors don’t charge fees to review your situation, design and implement your plan.

We receive a commission from the insurance company. That commission has already been taken into account in the bottom-line numbers and results you will see when you take advantage of a free Analysis.

Remember – when a Bank On Yourself Authorized Advisor structures your policy this way, our commission is reduced by 50-70%.

Why Would I Give Up So Much of My Commission?
It’s simply the right thing to do So you can have substantially more cash value If I do that for you, how many people do you think you might tell about this? Finally, a positive addiction! – Once people get a taste of this powerful method, they come back and open new policies

What if you don’t have much money left at the end of the month?
Where Will You Find the Money? What if you don’t have much money left at the end of the month?

Where Will You Find the Money?
Bank On Yourself Authorized Advisors are experts at helping people restructure their finances to free up money to fund a plan – there are a number of places to look, including: Reduce funding of your 401(k), IRA or other retirement plan – at least on the portion employer doesn’t match Restructure debt Tap your savings Lifestyle changes

No Magic Pill It’s not a magic pill – it takes patience and discipline – but if you have those qualities, Bank On Yourself can pay a lifetime of benefits

Is There a Different Financial Product That Can Do What Bank On Yourself Can?
Bank On Yourself is about building a solid foundation and taking back control of your financial future

Still Skeptical? Take the $100,000 Challenge
The first person to show they use a different financial strategy that can match or beat Bank On Yourself will receive a check for $100,000!

How to Help Your Clients Add Guarantees and Predictability to Their Financial Plan Using the Bank On Yourself Method Apply for membership in the NACFA-BOY MasterMind Group and receive total turnkey support: Marketing Lead Generation Case Design Sales Presentation Systems Closing Systems

Here’s What You’ll Get If You Qualify
Platinum Members Only Powerful marketing materials and Fast-Start Guide to making sales quickly with the Concept and How To Unleash An Avalanche Of Referrals for the Concept (Value: $995.00) Proven, winning BOY Presentations and Software that creates a simple, customized Bank On Yourself Plan (Value: $2,995.00) CASHSC0911

Platinum Members Only Have questions? Need some help closing a sale? Want to know what top producing members are doing? Participate in the MasterMind Teleconferences twice each month with Tim Austin, Nelson Nash and Pamela Yellen (Value: $1,295/year) CASHSC0911

Platinum Members Only 24-hour-a-day Internet access to the NACFA-BOY website and webinar replays of BOY case studies (Value: $995/year) Access to over 40 different highly-rated life and annuity carriers with high payouts and no production minimums required to receive them (You'll get access to the best products and companies for the Concept – and many other quality products) CASHSC0911

Platinum Members Only Highly qualified and motivated leads generated by the “Leads Generated For You” program (Value: $9,995/year) Access to the “Leads Generated By You” Program, the Ultimate Marketing System for generating a consistent, predictable flow of qualified, pre-sold, READY-TO-BUY clients (Value: $9,995/year+) CASHSC0911

Platinum Members Only Unlimited One-On-One Mentoring and Personal Success Coaching, including case development and illustration support from NACFA's BOY-specialist Consultants (Value: $5,000/year) CASHSC0911

Platinum Members Only A 95% first-year commission level with NACFA-BOY’s primary BOY life carriers, Lafayette Life (NY resident life-licensed agents do not qualify), or 75% with Security Mutual (These commission levels are 10 points higher than Gold Level Members receive) CASHSC0911

Platinum Members Only Use of a proprietary Turn-Key BOY Seminar for as long as you remain a member in good standing and access to a turn-key marketing program (Value: $6,995) Tuition-free attendance at the annual BOY Sales Training Conference (Value: $495) TOTAL VALUE: $32,565.00 CASHSC0911

How Do I Qualify for Membership?
Must Have an Active Life Insurance License Must Be an Independent Agent (Captive members are unable to join) CASHSC0911

Walk Your Talk: All new Members must agree to either start their own plan through NACFA-BOY's carriers or submit proof (within 21 days after acceptance) that they already have their own plan. You must agree to fund a Whole Life policy with a minimum annual base premium of $3,000 – Universal and Variable Life do not qualify for new plans. CASHSC0911

If accepted, you will be shown how to receive 110% of this premium back within 60 days of funding the policy, so that it will cost you nothing out of pocket in the first year. CASHSC0911

If You’re Accepted for Membership
Your membership can be absolutely FREE to you by placing a minimum of 50,000 Net Annual Production Credits per year with any of NACFA-BOY’s 40+ sponsored companies and your dues will be credited back to you! (See pages 3-4 of the application) CASHSC0911

If You’re Accepted for Membership
Simply complete and turn in your Application by the end of the meeting today You will be notified if you’re accepted by Tuesday CASHSC0911

Clone Your “A” Clients Manual
BONUS! Clone Your “A” Clients Manual If you turn in your Application TODAY and are accepted for membership, you’ll receive a FREE Bonus Manual: “How to Clone Your ‘A’ Clients by Asking for Favorable Introductions Instead of Begging for Referrals!” – A $197 Value! CASHSC0911

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