1. A new world of Opportunity
What you do NOT know
about your Retirement
Options…
…Can devestate you and your Family’s Future!

2. 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.

3. So, what do we do? DO YOU WANT MORE OR LESS AT RETIREMENT?
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?

4. You CAN NEVER afford to SAVE UNLESS you WANT TO!
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
kid’s
college
vacation
The time
to SAVE is NOW!!!

5. Do you know your number to retire?
20 years of monthly retirement income from age 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…

6. 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?

7. ? Tax Risk % The time to SAVE is NOW!!! What will future tax rates be?
The Great
Depression
WWII
1950s
1960s
1980s
2009
Future
The time to SAVE is NOW!!!
Highest Federal Marginal Rates – Married Filing Jointly
What will future tax rates be?
Lower Same Higher

8. Smart retirement Money Order
1. Free Money
2. Tax-Free Money
3. Taxed Deferred Money
4. Taxable Money

9. Smart retirement Money Order
1. Free Money
2. Tax-Free Money
3. Taxed Deferred Money
4. Taxable Money
Inherited
Matching 401 (k) Money

10. 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.

11. 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.

12. Smart retirement Money Order
1. Free Money
2. Tax-Free Money
3. Taxed Deferred
4. Taxable Money
Wages
Capital Gains
1099 Interest

13. 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.

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

15. Example $0 Traditional IRA Roth IRA Taxed as ordinary
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

16. Would you rather pay tax 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

17. Or this? $0 Traditional IRA Roth IRA Taxed as ordinary
Tax-deferred
Tax Free
Tax-deferred growth
Tax-deferred growth
Taxed as ordinary
income on withdrawal $0
Federal Tax for qualified distributions
0 Tax on deposits
After Tax deposits

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

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

20. 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

21. Yes! Could there be a better way? There is 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!

22. 4 Phases of Retirement Planning
Contribution
Accumulation
Withdrawal
Transfer
IRA/401K/403B
Tax Favored
Taxed
Indexed UL
After Taxed
The most important phases of retirement planning are the
WITHDRAWAL & TRANSFER
The time to SAVE is NOW!!!

23. Gains linked to the S&P 500, without market risk!
Revolutionary Life insurance
You don’t need to die to use!

24. 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!!!

25. ‘The greatest wealth accumulation vehicle of our time ’
Doug Warren

26. 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

27. ‘ Stop thinking of Life Insurance as an expense and start thinking of it as a portfolio asset, just like real estate, stocks and bonds ’

28. Life Insurance Illustration
The time to SAVE is NOW!!!

29. Life Insurance Illustration
The time to SAVE is NOW!!!

30. Life Insurance Illustration
The time to SAVE is NOW!!!

31. Personal Plan The time to SAVE is NOW!!! Prepared for: IMA SAVER
Age: Contribution: $200 per month to age 70
Total 70 - $84,000
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………………
$249,059
$221,008
Death benefit:
Age 70………………
Age 65………………
Age 55………………
Age 45………………
$355,750 tax free
$275,862 tax free
The time to SAVE is NOW!!!

32. Personal Plan (Child) The time to SAVE is NOW!!!
Prepared for: Child Saver
Age: 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………………
$249,059
$221,008
Death benefit:
Age 70………………
Age 65………………
Age 55………………
Age 45………………
$355,750 tax free
$275,862 tax free
The time to SAVE is NOW!!!
The time to SAVE is NOW!!!

33. In case you die! Why do you buy Life Insurance?
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?

34. Heart attack Stroke Cancer The 3 BIG dangers to you!
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

35. YOU will suffer a critical illness by age 65!
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)

36. 6 MILLION AMERICANS SUFFER
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.”

37. And gives you solutions! Asset Reduction Planning
What most people do?
Asset Reduction Planning
Increase debt
Spend savings
Liquidate
Bankruptcy
There 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.”

38. LIVING BENEFITS: Critical illness Chronic illness Terminal illness
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.”

39. 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.”

40. Up to 2.5 million upon diagnosis!
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.”

41. A solution to fit any budget!!!
A solution for every family
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
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

42. for the same amount of money where you could have
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!

43. Base Shop Builder System
A business opportunity worth its weight in gold!

44. 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

45. Be In Business For Yourself not By Yourself
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 Yourself not By Yourself

46. HUGE INCOME POTENTIAL PART TIME / FULL TIME
WORK A PROVEN BUSINESS BUILDING SYSTEM!!!

47. Why use a system?
To Help you Market your Business more Efficiently and a Proven System to Follow!

48. Part time income potential
Income on only 1 sale a week
SR Representative % =$5,200 Month*
Sales Vice President % =$9,750 Month*
You can start Part Time…and own your own company!!
*Based on average monthly policy premium of $250

49. Partner Levels Partner Promotion Guidelines Associate Representative
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

50. Partner Levels 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
Execute EVP Agreement
Partner Levels

51. Partner Levels 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%
Execute ENVP Agreement
Partner Levels

52. SVP EVP SEVP ENVP Infinity Override 75% VP 1st VP 2nd VP 3rd VP 4th
75% +3% bonus
75% +3% bonus
75% +3% bonus
VP 1st
VP 2nd
VP 3rd
VP 4th
VP 5th
VP 6th
VP 7th 9% 3% 2% 1% 0%
12% 6% 5% 4% 3%
15% 9% 8% 7% 6%
21%
15%
14%
13%
12%
Infinity Override

53. X X X X X X X $100 $10,000 Who are your top ten closest friends?
BEN X
$100 X
AMY
CHLOE
Heart attack
Stroke
Cancer X
YOU
DAN
PETER X
PAUL
ELI
$10,000 X X
ANNE
JOE
BRIAN

54. 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.

55. Thank You for listening!
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!