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

2. 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

3. 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?

4. 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

5. 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…

6. 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

7. The time to SAVE is NOW!!! Tax Risk % Highest Federal Marginal Rates – Married Filing Jointly The Great Depression WWII 1950s 1960s 1980s2009 Future ? What will future tax rates be? Lower Same Higher

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

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

10. 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.

11. 1. Free Money 2. Tax-Free Money 3. Taxed Deferred 4. Taxable Money Smart retirement Money Order Annuities Tax-Qualified Plans such as 401 (k), IRA, etc.

12. 1. Free Money 2. Tax-Free Money 3. Taxed Deferred 4. Taxable Money Smart retirement Money Order 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 Traditional IRA Tax-deferred Roth IRA Tax Free Taxed as ordinary income on withdrawal $0 Federal Tax for qualified distributions Tax- deferred growth 0 Tax on deposit After tax deposits

16. Would you rather pay tax on this… Traditional IRA Tax-deferred Roth IRA Tax Free Taxed as ordinary income on withdrawal $0 Federal Tax for qualified distributions Tax- deferred growth 0 Tax on deposits After Tax deposits

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

18. 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? Tax?

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 19 th 2009

21. 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!

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

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

24. The time to SAVE is NOW!!! Overcome the effects of risk Indexing to the S&P 500 $ Year Annual Monthly Average (Indexed – 5) S&P 500 Minimum Guaranteed Contract Value

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

26. 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?

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

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

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

31. The time to SAVE is NOW!!! Personal Plan Prepared for: IMA SAVER Age: 35 Contribution: $200 per month to age 70 Total 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 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 Total distributions - $1,172,750

32. The time to SAVE is NOW!!! Personal Plan (Child) The time to SAVE is NOW!!! 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 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 Total distributions - $1,172,750 Prepared for: Child Saver

33. 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?

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

38. * 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!

39. * 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.

40. * 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!

41. 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. Living Benefits Protect your income Increase your retirement savings Tax Free Retirement Is there any reason you would not move forward TODAY?

43. 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. 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 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

49. Partner Levels 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 Promotion Guidelines

50. 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 Partner Levels Partner Promotion Guidelines

51. 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 Partner Levels Partner Promotion Guidelines

52. VP 1st VP 2 nd VP 3rd VP 4th VP 5th VP 6th VP 7th SVP EVP SEVP ENVP 80% 9% 3% 2% 1% 0% 92% 12% 6% 5% 4% 3% 15% 9% 8% 7% 6% 21% 15% 14% 13% 12% Infinity Override 83% 86%

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

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. 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