1. the definitive protection package
Brian Maser
Tri-State Area Disability Center
Charlie Nowlin
Nowlin & Associates
DST 2038

2. disclosures
Ameritas Life Insurance Corp. issues the following life products in approved states:
Keystone Foundation Whole Life (Form 3015) Keystone Whole Life (Form 3013)
Disability Income Insurance (Forms 4501NC, 4502GR and 4503NCBOE)
Ameritas Care4Life Acceleration rider (form DBAR and DBAR 6-13)
Flexible Paid-Up Rider (FPURWL)
Ameritas Life Insurance Corp. of New York issues the following products in New York:
Keystone Foundation Whole Life (Form 5001 NY) Keystone Whole Life (Form FA 8612 NY)
Disability Income Insurance (Forms 5501NC, 5502GR and 5503BOE)
Flexible Paid-Up Rider (FPURWL NY)
There are charges for insurance coverage. Products and riders may not be available in all states. Optional provisions and riders may have limitations, restrictions and additional charges. Policy guarantees are based upon the claims-paying ability of the issuing company.
The information presented here is not intended as tax or other legal advice. For application of this information to your client’s specific situation, consult an attorney or tax professional.

3. disclosures
Withdrawals from tax-deferred annuities are taxed as ordinary income. For individuals less than age 59½, IRS penalties may apply. IRAs or other qualified plans must meet minimum distribution requirements beginning at age 70½.
For life insurance, withdrawals and loans will reduce available death benefit and policy value. Withdrawals beyond the investment in the contract may be taxable income. Excessive and unpaid loans will reduce death benefits and policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes.
Nowlin and Associates and Tri-State Area Disability Center are not affiliates with Ameritas.
This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.
Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.
©2014 Ameritas Mutual Holding Company

4. setting the stage
Ameritas – our purpose is deliver claim benefits at the precise moment they are needed
Meet our prospects: Jason and Julia
Meet our experts: Brian and Charlie
Steve will intro agents, discuss DI and Life statistics that Dennis Peyton provided as well as set the stage for Jason and Julie (our clients) used throughout presentation.

5. Tri-State Area Disability Center
Brian Maser
Tri-State Area Disability Center

6. Jason and Julia 1990 Both college graduates
Married – 1990 (children in a few years)
Jason – document imaging sales rep - $80K
Julia – pharmacist - $110K
Protection for significant life events
Life - Keystone Foundation Whole Life – both
Disability – Foundation GR - both
Read slide.

7. Jason and Julia 1993
Life event #1 - Jason Injures knee while playing men’s basketball league
They just elected an HSA Health Plan through Julia’s employer in April 1993 (contribution is $300/mo).
Choices
Withdraw funds from HSA
Non-disabling injury benefit claim
Read slide.

8. Jason and Julia 1996 Jason – promoted to sales manager, income $120k
Julia had first child, elects FMLA 12 weeks and another 6 weeks of accumulated vacation/sick days
Jason exercises his Future Increase Option from his Keystone Foundation Whole Life
Read slide.

9. Jason and Julia 2000 Jason – promoted to regional manager - $150K
Julia – 2nd child - retires
Jason exercises additional Future Increase Option from his Keystone Foundation Whole Life
Read slide.

10. Jason and Julia 2008 Jason - starts his own document imaging business
Julia – returns to work now that kids are in school
Jason - purchases DInamic Foundation BOE policy
Julia - purchases DInamic Fundamental® policy
Read slide.

11. Jason and Julia 2014 Jason firm grown to over 20 employees
In lieu of providing medical benefits, Jason elects to provide disability benefits through Guaranteed Standard Issue (GSI) program for employees
Read slide.

12. Jason and Julia 2019
Jason has a stroke and the resulting paralysis prevents him from performing multiple activities of daily living (ADLs)
Base benefit is paid
Catastrophic benefit (optional rider) is paid
Combined benefit is nearly 100% of his prior earned income net of business expenses
Company approves an additional reimbursement for some expenses related to his rehabilitation
Read slide.

13. Jason and Julia 2020
Through time and rehabilitation, Jason has a full recovery and returns to work
Business has suffered financially
Although he’s returned to work, he is still eligible for a Recovery Benefit from enhanced residual rider (optional)
Read slide.

14. Charlie Nowlin Nowlin and Associates
Now, let’s look at a different angle of how Charlie sees Jason and Julia’s life going and how his advice may be a little different than Brian’s.

15. Jason and Julia 2005
What were Jason and Julia doing with the savings and safe dollar they can’t afford to lose?
Read slide. Charlie will make some assumptions that Jason and Julia’s investments are in various checking, savings accounts and mutual funds.
They have a little over $50,000 in these accounts that he will later recommend moving.

16. Jason and Julia safe dollar
What benefits would they expect their investments to have in order for them to consider them “safe”?
Guarantee - against loss of principal
Liquidity – ready access without penalty
Return – fair over the long term
Tax Advantaged – during accumulation and distribution
Creditor protection – most states for cash value and death benefits
Read slide.

17. Jason and Julia guarantees
Their investments today have no guarantee against loss of principal, so they could lose it all
Read slide.

18. business and cash position
Charlie will share this graph. This graph shows money in different accounts and the returns it receives over the years.
Source: Lara-Murphy Report with permission from Casey Research,

19. Jason and Julia living benefits
Jason and Julia both healthy forty year olds with children and a need to protect against financial loss, while living and at death
Consider one option to meet both needs
Consider a life insurance policy for living benefits
Charlie will propose using an Ameritas Life policy with a living benefit.

20. protection for Jason and Julia in three ways
Age 40, PNT, $1,504,002 Death Benefit, $50,000 premium
Keystone Foundation Whole Life Insurance provides protection in three ways including the obvious of death benefit. There is Cash Value and Care4Life Accelerated Benefits for critical, chronic, and terminal illness that could come out through the years.

21. Care4Life Accelerated Benefit Rider
Review proposal.

22. internal rate of return
Page 1 of Illustration
Review proposal.

23. internal rate of return
Page 2 of Illustration
Review proposal.

24. internal rate of return
Page 3 of Illustration
Review proposal.

25. reduce paid-up option Page 1 of Illustration
Propose using the Flexible Paid-Up Rider as an option, review proposal.

26. reduce paid-up option Page 2 of Illustration
Review proposal with Paid-Up Rider.

27. Jason and Julia 2025
Assume Jason and Julia are still healthy in their sixties with grandchildren and they continue have a need for life insurance
Consider using a life insurance policy for living benefits
Why 60’s?
Charlie will go through why it may be important for Jason and Julia to consider getting life insurance later in life if still in good health.
Different than Brian’s assumptions.

28. continued protection later in life
Age 60, NT, $664,831 Death Benefit, $50,000 premium
Again the importance and protection of Keystone Whole Life.
Age 60, NT, Death Benefit is $664,831 with $49,999.99

29. internal rate of return
Review proposal.

30. internal rate of return
Review proposal.

31. reduced paid-up option
Charlie will go through using the Flexible Paid-Up Rider with Keystone Whole Life and will review proposal.

32. reduced paid-up option
Review proposal.

33. whole life insurance 2 to 4% returns Without management fees
Equivalent to 4 to 7% taxable returns
In review, whole life insurance can provide the following: 2-4% return, without management fees which is equivalent to 4-7% taxable.

34. Jason and Julia’s safe money
Reinforce the importance of “safe money” in a client’s portfolio
Single option to address catastrophic financial impact created by critical care and chronic illness and financial burden created by terminal illness and death
One option supported by guarantees of premium, cash value and living/death benefits
Charlie will recap the importance of safe money for Jason and Julia.

35. what’s next
Look for a new Flexible Paid-Up Rider flyer on how to use the rider coming soon
Sales Development and Advanced Sales are able to assist with all DI and Life Insurance sales, call your teams at for help
Read Slide.