1. Note to Adviser: The following presentation is intended to be given by those financial professionals who have both a securities registration as well as an insurance license. Producers are ultimately responsible for the use or implementation of this material and should be aware of the compliance requirements of any broker-dealer or Registered Investment Adviser with which they may be affiliated, the insurance carriers they represent, federal regulations and state insurance regulations. It must at all times be made clear to consumers that absent the appropriate licensing and credentials, the financial professional does not and is not providing tax or legal advice. Please keep in mind that no amount of experience as a financial professional or designation qualifies a producer/advisor to provide legal or tax advice. Consumers should always be encouraged to consult with qualified professionals before making any decisions about their personal situation. Please understand that this material has been complied to applicable regulatory standards as interpreted in good faith by Advisors Excel, LLC. Any deviation from the material as provided may render the content non-compliant by applicable regulatory standards. Advisors Excel, LLC shall not be held responsible for any deviation from the material as provided and you are solely responsible for any consequences of deviation from the material. Further, you are solely responsible for maintenance of compliance standards as required by applicable state and federal law and pursuant to your contractual agreement with Advisors Excel, LLC. Material provided by Advisors Excel, LLC

2. Evaluating your Blueprint For Life
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LOGO
Evaluating your Blueprint For Life
The Importance of a Policy Review
[Producer Name], Insurance Professional and Investment Adviser Representative
[Company Name]["and Insurance Services" (required in CA)]
[Phone Number]
[ ]
[Website]
[State Insurance License #XXXXXX (required in AR, CA)]
[Investment Advisory Disclosure]
AE C

3. Disclosure
Throughout the presentation, we may generally discuss different financial vehicles; however, nothing I say should be construed as a recommendation to buy or sell any financial vehicle, nor should it be used to make decisions today about your investments. I am a licensed insurance producer and an investment adviser representative of [Registered Investment Adviser Name], and my goal with this presentation is to expose you to ideas and financial vehicles that may help you work towards your financial goals. Please understand that I cannot make any promises or guarantees that you will accomplish such goals. All investments are subject to risk including the potential loss of principal. This presentation is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Firm Name] and its representatives do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Despite efforts to be accurate and current, this presentation may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this presentation. At the end of the seminar, you will be provided an opportunity to visit with us one-on-one to discuss your specific circumstance in a private, comfortable setting. There is no obligation to you for this visit. At this visit you may be provided with information regarding the purchase of insurance or investment products, or establishing an advisory relationship.
Read Slide; do not gloss over these; make sure you cover each of them in sufficient detail to ensure prospect understanding

4. Life Events Review -Change in marital status
Your needs evolve and so should your life insurance. Evaluating your life insurance needs should not be a one-time event. In our experience, many financial strategies include life insurance policies that have not been reviewed since they were purchased. Your life insurance policies are an integral part of your blueprint for life and should be reviewed every year or two to ensure they are performing as you expected and aligned with your current financial goals and objectives.
There are certain life events that may trigger the need for an adjustment to your life insurance. The most common are:
-Change in marital status
-Birth/Adoption of a child
-New home
-Taking on debt
-Planning for college
-Planning for retirement
-A significant change in assets
-A change in your business (for business owners)

5. What does a Policy Review Entail?
In addition to assessing your current financial goals and objectives, a typical comprehensive policy review is focused on:
Annual Premium
How much are you paying? Can you buy the same coverage for lower premiums?
Death Benefit
Does your current death benefit still provide you with the coverage your family needs?
Beneficiary Designations
Do you need to update your beneficiaries to properly address your intentions?
Supplementary Benefits
Are there new options that may be of benefit to you? Are there riders that need to be removed?
Policy Ownership
Is the policy ownership structure tax-efficient and does it still make sense?
Policy Performance
Are there better options to help improve the policy’s performance and build cash value?
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You may ask, what happens after the review?

6. What Happens After the Review?
After a thorough review of your policies, one of following things may happen:
You will have the reassurance that your current coverage is still the right coverage to meet your needs.
Or, you may have the opportunity to make any necessary changes to ensure that you obtain the desired coverage to help pursue your financial goals.
Restructure the policies already in force to better meet your needs
Replace some or all of the policies that are no longer meeting your needs
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Life insurance is subject to health underwriting and, in some cases, financial underwriting. Life insurance product features and availability may vary by state.

7. Things to Consider
Some important things to keep in mind before replacing your current policy are:
New surrender period
Any time a new policy is purchased a new surrender charge period begins, with new penalties and fees for early cancellation.
New contestability period
A new contestability period, generally two years, begins with a new policy.
Existing loans
In some situations, loans cannot be transferred from one policy to another as a tax-free exchange and would have to be repaid prior to the exchange.
Decline in health
If you have had an adverse change in health, a new policy may have higher premiums or you may be unable to obtain new coverage.
Replacements occur when a new policy is purchased, and in connection with the sale, you discontinue the existing policy by surrendering, forfeiting, assigning to the replacing insurer, or otherwise terminating the contract. In the event of a replacement, you may pay acquisition costs on the new policy and incur surrender costs on the existing policy. Any outstanding policy loans in excess of unrecovered cost basis on the existing policy will be subject to ordinary income tax. Tax laws are subject to change and individuals are encouraged to consult with a tax professional.
Read Slide

8. Getting the Review Started
By taking the time to review your policies now, you can proactively help to ensure that your life insurance coverage is aligned with your current financial goals, is performing to your expectations, and that you are able to leave an income tax-free benefit to your beneficiaries.
If properly structured, proceeds from a life insurance policy are generally income tax-free to the beneficiary. Life insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.