New World of Money by FEG

THE NEW WORLD OF MONEY

Upgrade your Money Technology The World has Changed

THE PROBLEM: WHERE DO I PUT MY MONEY?

DIE TOO SOON, GET SICK, LIVE A LONG HEALTHY LIFE

$300 Retirement Savings $300

Critical Illness

Chronic Illness LTC

Life Insurance

*Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits available in your state.

Budget

PROBLEM #170% of people who were diagnosed

with a heart attack, stroke or cancer

did not die. More than half go

bankrupt in the process.*THE

CR

USA

DE

FEG’S LIVING BENEFIT CRUSADE

Many will not be able to go to work

*New England Journal of Medicine Volume 362, Page 2155. Harvard Medical School, Harvard Heart Letter, July 2011, Surviving a Heart Attack: A success story. Center for Disease Control and Prevention National Center for Health Statistics, Health, United States, 2010: with special feature on death and dying. American Cancer Society, Cancer Facts & Figures 2011*

If you get sick and can’t go to work, who will pay your bills?

THE

CR

USA

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FEG’S LIVING BENEFIT CRUSADE

Worse Than Death: Critical Illness Money Fears Less than 5% of all workers are covered

*www.cnbc.com/id/100907706/print

THE 4 LIVING BENEFITS

CRITICAL ILLNESS…Millions suffer heart attack, stroke & cancer

CHRONIC ILLNESS…LTC alternative, 90% don’t own LTC

TERMINAL ILLNESS DIAGNOSIS

Critical, chronic, and terminal riders are included in the policy at no additional cost

TAX-FREE RETIREMENT…What if I Live?THE ULTIMATE LIVING BENEFIT

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

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SOLUTION: LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE

PROTECT YOUR FAMILY ALL THREE WAYS

No CostCritical, Chronic,Terminal Illness

Riders

Potential Tax Free Income for Life

Traditional Life Insurance Tax Free

Distribution


WE

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LIVING BENEFITS

THE HISTORY OF LIVING BENEFITS• *1Originated in South Africa by Dr. Marius

Barnard, part of the first heart transplant team in the world in 1967.

• Sold in 53 Countries for 20+ yrs. Very popular in countries like Germany, France, England, Canada, Australia and Japan.

• Just a few Life Insurance Companies offer Living Benefits in America

Life Insurance You Don’t Have To Die To Use

*1 "Heart to Heart", CoverTen (Incisive Financial Publishing), 10 October 2007: 29

THE BOTTOM LINE…ARE YOU COVERED? • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

Our first claim…WILL IT PAY OUT???

FEG: THE LIVING BENEFITS COMPANY

Johnny was 48 years old when he replaced his 20 year Term with a new 20 year Term with Living Benefits. The new policy was LESS

EXPENSIVE than the old one. 5 months into the policy Johnny was diagnosed with Stage 4 Stomach

Cancer. He and his wife could not work… WE MADE A DIFFERENCE!



Our FEG client….another claim


Bob was 59 years old when he exchanged his Permanent Policy in for a new one with Living Benefits.

Bob worked out daily and developed a sore leg. It didn’t go away.

Bob’s problem was diagnosed as ALS. He received his check in less than one week. He quit his job and

traveled extensively…WE MADE A DIFFERENCE!

Living Benefits

Critical Illness - ALS Valued Carrier

Bob

09/01/14

189,782.64One Hundred Eight-Nine Thousand Seven Hundred Eighty-Two



DOZENS of claims in just a few short years


Greg bought an inexpensive Term policy. He was a healthy guy who never got sick.

In September 2014 Greg had a physical with extensive blood work… All ok

In November, Greg had his first colonoscopy and detected Stage 3 Cancer…WE MADE A DIFFERENCE!

Living Benefits

Critical Illness - Cancer Valued Carrier

03/01/15

198,643.81One Hundred Ninety-Eight Thousand Six Hundred Forty-Three

Greg

Living Benefit Riders

Pay Medical Expenses or Seek Alternative Treatment

Funds Can be Used for Anything

Bucket List

Payoff Your Home

College Funding

Pay Medical Expenses or Seek Alternative Treatment

Bucket List

LIVING BENEFITS ARE AVAILABLE TWO WAYS

Indexed Universal Life PERMANENT

• Coverage to age 121 • Cash Value Growth• Index Linked Gains• Tax Advantaged

Income

Term Life InsuranceTERMINATES

• Coverage to age 90 (will vary by Company)

• No Cash Value Growth• Lowest Cost/Short Term • Expensive Long Term

Which solution fits your Budget? • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state


PROBLEM #2WHAT IF I LIVE TOO LONG?

• Most of our country's retirement wealth is in banks, precious metals, real estate, or IRA/401k/403b

• A LARGE % of this money could be lost to risk, fees and taxes.

• Market downturns can delay or destroy your retirement plans.

• 82% of married Americans with dependents fear they will outlive their money in Retirement*

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• FEG does not provide tax or legal advice, please consult your advisors. *2010 study https://www.allianzlife.com/retirement-and-planning-tools/reclaiming-the-future/white-paper-

findings

Who will take care of us when we retire?

Will you be DEPENDENT or INDEPENDENT ?

THE GOVERNMENT…18 TRILLION IN DEBT• Social Security: will it be enough? 77 Million Baby

Boomers = EXPENSIVECOMPANY PENSION…A THING OF THE PAST• These are becoming hard to find

IRA/401k…TAX PRISON/PERSONAL SAVINGS • What will your future tax rate be?

OUR CHILDREN• Can they afford us?

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state. FEG does not provide tax or legal advice, please consult your advisors

COMPOUND INTEREST – RULE OF 72

Divide 72 by the rate of return to determine the number of years it take’s your money to double

36yrs to double

18yrs to double

12yrs to double

9yrs to double

7.2yrs to double

PERFORMANCE MATTERS…MAKE YOUR MONEY WORK HARD

SOLUTION: INDEX UNIVERSAL LIFE & ANNUITIES

The Greatest Wealth Accumulation and Wealth Preservation Vehicles of our Time

THE NEW WORLD OF MONEY

UP

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$90,000

$110,000

$130,000

$150,000

$170,000

$190,000

$210,000

$230,000

$250,000

S&P Indexed Annuity Minimum Guaranteed

RED LINE vs BLUE LINE

Index Annuity caps and participation rates vary by product and insurance company, consult with your agent

Rule #1: Never Lose Money

Rule #2: Don’t Forget Rule #1

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Indexing…Upside potential with no downside market risk

“Invest like the wealthy where you

participate in market gains, but are

guaranteed to never lose when the market drops”

– Tony Robbins

INDEX UNIVERSAL LIFE

THE POWER OF A ZERO TAX BRACKET AT RETIREMENT

“According to the Congressional Budget Office, if Social Security, Medicare, and Medicaid go unchanged, the rate

for the lowest tax bracket would increase from 10% to 25%, 25% would rise to 63%, and the 34.9% bracket

would go to 88%”

David McKnight, author

THE POWER OF ZERO

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state


MOST PEOPLE PUT THEIR MONEY IN 4 PLACES

THE MARKET

REAL ESTATE

PRECIOUS METALS

Fixed Rate S&P Index The Power of OptionsDeath BenefitLiving BenefitsTax Free Transfer(Between Crediting Options)

Tax Free LoansGuarantees

OLD WAY VS NEW WAY

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state


Insurance Company

“S&P” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by the various insurance companies. Standard & Poor’s does not sponsor, endorse, promote, or make any representation regarding the advisability of purchasing the contract.

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THE SOLUTION: NEW HIGH TECH IUL LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE

HOW MUCH DO YOU WANT TO PUT AWAY TO SECURE YOUR FUTURE?

No CostCritical, Chronic,Terminal Illness

Riders

Potential Tax Free Income for Life

Traditional Life Insurance Tax Free

Distribution


DEBT Total Consumer Debt

FINAL EXP Funeral Expense

EDUCATION Recommend 100K per child

MORTGAGE Total Balance or monthly rent

INCOME REPLACEMENT for ____ years

TOTAL LIFE INSURANCE NEED

A Simple Needs Analysis

Retirement Funding SourcesNew Money Monthly

Current Life Insurance Premium

Current IRA/401K Contribution

Tax Refund

Total Retirement Budget

Current IRA/401k Balance


Withdrawals may be subject to surrender penalties imposed by the company. Amounts withdrawn may also be subject to tax liability or tax penalties. Partial surrenders and loans may affect policy values and death benefits.

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

Life insurance products are products of the insurance industry and are not guaranteed by any bank, federal agency, nor insured by the FDIC.

DISCLOSURES

New World of Money by FEG

Economy & Finance

Transcript of New World of Money by FEG