Are your funds protected? Final Expense Planning

Consider This... Most significant events in our lives require planning; you rarely just let them happen.

Someone will need to determine services and pay the bill. The question is who and when: - The deceased prior to death? - The survivors afterward? As a consumer, you have two choices: - Plan and pay for the funeral (Preneed) OR - Pay for the anticipated expenses (Final Expense). Funeral and Final Expenses Aren’t any Different...

How Much Does a Funeral Cost? Today’s funeral costs less than you might think. The U.S. Senate Committee on Aging shows the average adult funeral price to be $8,495*. If something happened to you today, how would your funeral be paid for? *U.S. Senate Committee on Aging (2001); most recent data available. Professional Services$1,283 Embalming/ Cosmetology $537 Memorial Service $670 Flowers $250 Transfer of Remains to Funeral Home $186 Hearse $170 Limo (2) $260 Service Van $100 Graveside $400 Cemetery Charges$1,400 Casket$2,477 Vault $757 Total$8,495

1.Life Insurance: These are funds intended to be left to your family and may not be immediately available. 2. Personal Savings: These are funds for day-to-day living. In the event of a lengthy illness, they may have eroded significantly. 3. Credit card or loan: This approach leaves heirs in debt. 4. Family and friends: Borrowing from family and friends can be embarrassing as well as a financial strain to repay. Fortunately, there’s a better option... In the past, there have been four common ways to pay for a funeral:

NGL Estate Planning Trust A designated, prefunded plan that combines the financial stability of insurance with the security of a trust. Designed to pay funeral expenses first, with any excess paid to named beneficiary(ies).

So How Does this All Fit Together? NGL AssetGuard and the Estate Planning Trust Blends the financial protection of life insurance with the advantages of an irrevocable funeral trust. Allows you to plan ahead by permanently setting aside the funds your family will need for your final expenses. Using a trust may help prevent these funds from being counted as excess monies during Medicaid consideration after five years.

NGL Estate Planning Trust Protection from creditors Benefits are income tax-free Funds available immediately* Trust is FREE Everyone qualifies for trust assignment Death proceeds used for funeral expenses avoid probate costs and delays Funds totally portable *Upon submission of all required claim documentation. NGL Insurance Policy + NGL Irrevocable Trust = An Unbeatable Team

How a Funeral Trust Works Life Insurance Policy Estate Planning Trust Pre-Planning Funds Use money from Savings, CDs, etc... Protected funds earn tax-free interest until time of need Policy Assigned to Policy Value GROWS! Claim Paid Excess Funds Paid to Named Beneficiary or Estate Funeral Provider Paid Within 48 Hours Funds avoid probate costs and delays; expenses covered immediately

Fund Protection Estate Planning Trust Creditors Nursing Homes Probate Medicaid-After 5 Years

How the Trust Compares NGL’s Estate Planning TrustAnnuity Savings AccountCD Money Market Mutual Funds Proceeds avoid probate costs Yes Depends Federal Income Tax-free death benefits YesNo Free of market riskYesDependsYes No Principal guaranteed Yes No Defined growth rateYesDependsNoYesNo Funds protected from creditors YesNo No**No Excluded asset in order to qualify for Medicaid & SSI Yes*No No**No * Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney in your state for assistance. ** Unless put into trust for funeral expenses.

Why NGL? 100+ Years of Financial Stability $2.5+ Billion in Current Assets A- (Excellent) Rating from A.M. Best: National Guardian Life Insurance Company Madison, WI Ratings current as of August 1, Financials current as of December 31, th Highest Rating of 16 - Rated A- or better since 1963

Get Started 3. Next Steps (OPTIONAL): –Basic: Complete a brief Planning Guide, provided compliments of NGL. Store this with your important documents. –Advanced: Meet with a local funeral home of your choice to discuss service options and personal preferences. Lump sum transfer from savings, CDs or Money Market accounts* Transfer funds from a pre-existing life insurance account* (1035 Exchange) Add to the fund in installments over a period of one year 1.Work with your licensed NGL Agent. 2. Establish your Trust-protected Final Expense Insurance Policy easily by: * Suitability rules apply.

You’ll rest assured knowing that: Final Expense funds are set aside and protected Costs won’t be passed on to family members Any remaining funds will be paid to a named beneficiary (s) Trust is free: - NO fees - NO other professionals involved Funds totally portable (use any FH provider) Policies grow at a set % every year All backed by 100 year-old, A- (excellent) rated mutual insurance company with over $2.5B in Assets Why Consider this Product?

© 2011 National Guardian Life Insurance Company, Madison, WI. Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. EPTCON-BSP 08/11 Final Expenses aren’t a question of “if”, but “when”. Do this today. You’ll be glad you did.

Thank You for Coming. For more information, please contact: Final Expense Professional Insert Name Contact Information Here