We all have two primary financial problems: DYING TOO SOON… DYING TOO SOON… OR LIVING TOO LONG… OR LIVING TOO LONG…………..FINANCIALLY

How Money Works….A Quiz Three Refrigerators have a Guaranteed 20 yr. Life Span. If price was not an issue, which one would you choose? Refrigerator A $ Today’s Cost: Replacement Cost: $ OR Refrigerator B $ FREE Refrigerator C $ FREE + receive $3000 BACK OR

Life Insurance is a substitute for the money you don’t have. It provides the instant estate your loved ones would need should you die prematurely, before your living estate is built ( ie 401k, IRA’s, SEPs, etc..). When you have a lot of money you don’t need life insurance..

When is there a Need for Life Insurance ? Any Time a Loss of Income Would be Devastating !! 1. Young Children 4. Mortgage7. Wealth Transfer (GDBUL) 2. Dependents 5. Business Partnership 3. Debt 6. Estate Preservation ( GDBUL ) Life Insurance is sold on a COST PER THOUSAND basis, and only a small handful of carriers factor and apply CURRENT mortality tables yearly in calculating the premiums for new clients. What Type of Life Insurance Protection Do You Have in Place ?? Age Yr guaranteed level Term Based on $500,000 Face Amount Best Term Rates available as of 9/20/10. Monthly Premiums; Rates are current and accurate to the best of our knowledge but subject to change at any time. Male-Female NWM NYL BANNER AGL – – – – – – – – – Independent Advisory Services “Build, Protect, and Preserve Legacies”

Our Solution: Split Funding The Plan of the future TODAY! Example: $750,000 face amount to age 70, with a separate FIA. The Prime Earning Years Young children Debt Mortgage Not as much savings as should have… Loss of income would be devastating! The Later Years Children are grown Lower or no debt Mortgage reduced/paid Retirement income needed Age 50 $750,000 Face Amount to age 70 (PNT) Guaranteed level death benefit, level Premium, renewable without evidence of insurability to 95- $141 a month!!! ( converting to either annual renewable or decreasing term at the end of term if not otherwise acted upon ) Reposition your money to make it work harder for you! For example, if you have $150,000 net assets thus far, compounding at an average of 8%... … and max out yours and your spouses ($833 a month) SEP IRAs or ROTH IRAs, in 20 yrs your net worth is $1,229,502! ( $1.9MILLION in 25 years! ), not including your home equity!!! How much life insurance do you need if you already have a million plus??? What would be better for your family if you died prematurely? $125,000 of Whole Life, $200,000 of Universal Life, or $750,000 of Term??? ( For the same $140/mo.) Buy a guaranteed renewable, convertible 20 yr. level term and max out your SEP IRA’s or ROTH’s! ***Age 70 Independent Financial & Advisory Services “Build, Protect, and Preserve A Legacy” Age 50 *** Life Settlement at age 70 yields $52,500 in cash buyout to policy owner ( 7% avg), especially on guaranteed convertible, renewable term.

The Rest of the story… Buying Renewable Level Term and Investing the Difference separately creates a larger estate should you die prematurely, and a larger “Living Estate” should you outlive the term. $2,000 invested 8% is 9% its $72,219 … and 10% it’s $107,401!!! Refrigerator A $ Independent Advisory Services “Build, Protect, and Preserve Legacies”

Guaranteed Renewable, Level Term (10,15, 20, 25, 30, 35 yr level) Buys you the Time you need to finish ( Accumulation ) building your estate. Buys you the Time you need to finish ( Accumulation ) building your estate. Creates an Instant, Tax Free Estate, as cost effectively as possible. Creates an Instant, Tax Free Estate, as cost effectively as possible. With guaranteed renewability without proof of insurability to age 95, if you have cancer in year 19 of a 20 year term you are guaranteed renewal should you choose to do so at the original underwriting class. With guaranteed renewability without proof of insurability to age 95, if you have cancer in year 19 of a 20 year term you are guaranteed renewal should you choose to do so at the original underwriting class. Conversion options to age 70 without evidence of insurability ( few companies offer this ) strengthens the owners position for a more favorable Life Settlement at the end of the level term period ( no need to terminate, sell it back ), or the conversion option to permanent without over paying the 1 st 20 yrs Conversion options to age 70 without evidence of insurability ( few companies offer this ) strengthens the owners position for a more favorable Life Settlement at the end of the level term period ( no need to terminate, sell it back ), or the conversion option to permanent without over paying the 1 st 20 yrs Current 2009 Mortality tables used in factoring rates. Current 2009 Mortality tables used in factoring rates. Terminal Illness Accelerated Benefit Rider- free. ( 50% of the Death Benefit advanced if terminal illness is proven ) Terminal Illness Accelerated Benefit Rider- free. ( 50% of the Death Benefit advanced if terminal illness is proven ) Disability waiver of premium- available for a fee. ( Permanently waives premiums should the insured become disabled ) Disability waiver of premium- available for a fee. ( Permanently waives premiums should the insured become disabled ) …it just makes better sense! …it just makes better sense! …and a separate FIXED INDEX RETIREMENT ANNUITY Independent Advisory Services “Build, Protect, and Preserve Legacies”

“Since 1992” “Since 1992” SCOTT E. BUCHER SVP, MGA Logan Hunter Group/ WEALTH PLUS FINANCIAL LLC. “ Financial Solutions For Life” RISK MANAGEMENT – Life Insurance, Long Term Care Insurance, Business Continuation, Disability. ASSET MANAGEMENT – Wealth Preservation, Asset Transfer, Dynasty Trusts, Limited Partnerships, Charitable Remainder Trusts. LIFE SETTLEMENTS REVERSE MORTGAGES INCOME MANAGEMENT SOLUTIONS Independent Advisory Services “Build, Protect, and Preserve Legacies”

Wealth Plus Financial LLC. Established in 1992 “ Financial Solutions For Life! ” Thank You For The Opportunity To Serve You! “Our dedicated staff is committed to helping our clients build, protect, and preserve their Legacy. We are honored and grateful for the opportunity to serve them.” Independent Advisory Services “Build, Protect, and Preserve Dignity”