For agent use only. Not for use with the general public. What Is the TrustGuard Gold Plan? Whole life Insurance combined with a trust plan Guaranteed issue up to age 99 Provides three underwriting classes: -Underwritten = 100% of face from issue -Guaranteed = 100% of face from months seven and beyond -Imminent = Single Pay only/100% of face paid at seven months and beyond Up to $15,000 can be placed in the Funeral Expense Trust Choose between three crediting rates, set at the discretion of the Forethought Life Insurance Company 4 1 State limitations may apply
For agent use only. Not for use with the general public. 6 Gold Who needs TrustGuard Gold Funeral Expense Trust? Clients aged 65 – 80. Retired or near retirement Net worth at time of retirement of $10,000 – $100,000 Recognize the need to put money aside for end-of-life expenses Do not want to make detailed plans with a funeral home Need to protect assets from creditors & Medicaid spend- down 1 Find the Right Clients Medicaid rules, as well as their interpretation and application, vary by state and the ability to qualify for a state and/or federal public assistance program is NOT GUARANTEED. Clients should always consult an elder-law attorney or a financial advisor who is knowledgeable in this area on your state’s specific rules pertaining to irrevocable assignments, Medicaid eligibility and on using a trust to protect your assets. The applicant’s individual circumstances at the time of application for government assistance will, in part, determine whether or not the policy will count as a resource. The judgment of the case worker handling the application will also be a factor.
For agent use only. Not for use with the general public. Partnering for Success Forethought is an expert in the funeral industry and can help you have the difficult conversations with your clients Forethought provides unmatched training Forethought offers comprehensive marketing support that addresses every step in the consumer buying process and innovative tools to help you sell You have easy access to all the marketing materials through the exclusive TrustGuard Gold Advisor Portal 17