For Financial Professionals only. Not for use with the general public. Annuity Maximization Qualified, Joint

For Financial Professionals only. Not for use with the general public. What is the Annuity Maximization Strategy? A strategy designed to increase the amount of wealth passed on to beneficiaries Client Profile Clients holding money in a qualified account who no longer need the funds for income Want to pass on the maxim amount of money to loved ones or a charity Want to pass the funds to their loved ones income tax free Annuity Maximization Qualified, Joint

For Financial Professionals only. Not for use with the general public. Annuity Maximization Qualified, Joint Male 68 and Female 65 $200,000 held in a joint qualified account Deposit into a joint annuity with a lifetime income rider Use generated income to purchase a guaranteed Survivorship Universal Life Contract

For Financial Professionals only. Not for use with the general public. Annuity Maximization Qualified, Joint

For Financial Professionals only. Not for use with the general public. Annuity Maximization Qualified, Joint

For Financial Professionals only. Not for use with the general public. Life Expectancy tables show both the average age of death based on the insured’s current age, as well as the average probability of death by a certain year. By the age of 95/92 (joint life expectancy) there is a 48.64% chance of at least one client surviving. LE: Life expectancy based on the 2008 Valuation Basic Table (2008) VBT), which is published by the Society of Actuaries and appropriate for someone recently underwritten for life insurance. This table varies by gender and smoker status, but is not tailored to specific underwriting classes. Mortality tables such as 2008 VBT provide a basis for various financial calculations but do not predict any individual’s future life span. While these statistics are a useful reference tool, keep in mind longevity is affected by many factors (lifestyle, occupation, health problems, family history of longevity, etc.). Annuity Maximization Qualified, Joint

For Financial Professionals only. Not for use with the general public. Frequently Asked Questions Q. What is the Death Benefit if my clients come through underwriting at standard rates? A.If both clients come through underwriting issued at Standard Non-Tobacco rates, the guaranteed death benefit would be $464,686 Q. How long is the Annuity Income Stream and Life Insurance Death Benefit Guaranteed for? A.The Annuity Income Stream is guaranteed for the client’s lifetime, the life insurance is guaranteed for 45 years (age 110 of the younger insured) Q. Why use a Survivorship Universal Life Contract? A. The SUL allows the Insurance carrier to spread the risk over the lives of both insureds, this allows for better leverage of death benefit for premiums paid Annuity Maximization Qualified, Joint