Everybody’s Talking… Welcome to the Safe Harbor Term LIFE Insurance "SafeHarbor is more than protection for the catastrophe of death... it is here for you to weather the storms of LIFE."

Access needed CASH for the treatment of and recovery from critical Lets Talk About What's in it for You: Access needed CASH for the treatment of and recovery from critical or chronic illness.

The OLD vs. The NEW

Let’s start by understanding why Living Benefits are so important … Over the last 5 - 10 years, Can you think of anyone in the last five years - family members, friends, neighbors, work associates - who suffered a CRITICAL ILLNESS such as a heart attack, stroke or cancer?

OR DID THEY SURVIVE? Let’s check the statistics! Did your loved one or acquaintance die immediately? OR DID THEY SURVIVE? It happens every day. Let’s check the statistics!

Think about the statistics … We could become CRITICALLY or TERMINALLY ill. Stroke Every 40 seconds someone in the US has a stroke.1 In the US, stroke is the third leading cause of death, killing 144,000 people each year, but more importantly, it is a leading cause of serious, long-term adult disability.2 Cancer Every 30 seconds a new cancer is diagnosed in the U.S.3 More than half of Americans diagnosed with cancer will survive for at least five years.4 Heart Attack Every 26 seconds someone suffers a heart attack.5 Every year in the US more than 1 million people who suffer a heart attack survive for at least 12 months. Three-quarters of all male, first-time heart attack victims aged 35-54 survive at least 5 years.4 1 American Heart Association Heart Disease and Stroke Statistics, 2008 22009 National Stroke Association 3”Cancer Facts & the War on Cancer” LIMRA, 2007 4Health Insurance “Critical Illness Insurance is Critical to a Client’s Financial Survival,” May 2008 5American Heart Association “Heart Disease and Stroke Statistics,” LIMRA 2007

What is the #1 reason people DO NOT buy long term care insurance? It is never going to happen to me! My kids will take care of me. I can’t justify the cost or afford it. No one has ever brought it to my attention. It is said that you will not need it if you die too young. BUT, the longer you live, the higher your chances become for needing care.

Did you know? For every couple turning 65 there is a 70% chance that one of them will need long-term care. Wall Street Journal As Baby Boomers age, the number keeps rising. Experts now say that 65% of people over 75 need long-term care coverage. The average facility stay for the elderly is about 3 years. Business Week This is only a nursing home “stay” estimate and does not include home care or assisted living which usually come first.

Did you know? 97 % of people over age 85 require assistance in their last years of life. The LTC Report

Did you know? Singles are especially at risk! They are not usually with someone who can properly care for them. The same is true for wives, who tend to outlast their husbands by an average of seven years. Jane Bryant Quinn Remember… accidents and disease do not discriminate against age. Young people may need home and nursing facility care, too.

It doesn’t stop there … Over 50% of all people entering a care situation are penniless within one year. Harvard University Tax breaks for premiums highlight Washington’s firm support of private insurance. US Center for Disease Control By 2018 a private room will cost over $500 per day or $188,000 per year. LTCI P Academy

What happens when someone experiences a devastating critical or chronic illness such as a heart attack, stroke, cancer, or they need home health care or nursing home care? Besides a physical setback, do you think there might be an emotional situation involving the family? How about a financial hardship?

What happens? Income goes down, expenses go up and in most cases, debt is incurred!

We can solve the financial situation simply with a Bucket of Money!

Now, imagine... Where could you get a bucket of money that can be used for medical expenses, mortgage payments, car payments, etc. In other words, replacement income? From disability insurance? Savings Account? Are you in a position to have both? I know what you can do!

Tell your local banker or friendly stock broker that you need a bucket of money available to you just in case you need it due to one of the conditions we have discussed.

AND, you want that bucket Interest free Tax free Repayment free You’re Crazy!

So, how can the average American family afford LTC to protect itself against financial hardship caused by death, critical illness, and/or chronic illness? Let’s consider some examples…

Example monthly rates: Male, age 50 Preferred non-tobacco Term Length 20 YR 30 YR $500,000 $ 95.39 $169.05 $10,000 LTC (4 Years) $205.81 $205.81 Total $301.20 $374.86 Now add: $475,000 critical illness $587.09 $587.09 Grand total $888.29 $961.95 Not bad if you can afford it!

For most people, it’s probably too costly. There is, however, an affordable solution! Now there is an ALL-INCLUSIVE PLAN that offers a death benefit as well as chronic and critical care benefits.

Term Life with Living Benefits I am a licensed agent and am able to offer this plan that adds protection above and beyond death benefit.

The same 40-year-old preferred non-tobacco example will have: $300,000 of 20 or 30-year term life insurance Up to $6,000 per month of chronic care (LTC) A bucket of money with up to $285,000 to be used in the event of a critical illness such as a heart attack, stroke, or cancer diagnosis or other conditions.

And the monthly cost for Safe Harbor Term? The same 40-year-old PNS And the monthly cost for Safe Harbor Term? 20 YR or 30 YR Only $ 54.11 or $87.11 VS $365.66 $383.16

The same 50-year-old preferred non-tobacco example will have: $500,000 20 or 30-year term Up to $10,000 per month of chronic care (LTC) A bucket of money with up to $475,000 to be used in the event of a critical illness such as a heart attack, stroke, cancer diagnosis or other condition.

And the monthly cost for Safe Harbor Term? 50-year-old PNS And the monthly cost for Safe Harbor Term? 20 YR or 30 YR Only $117.11 or $228.44 vs. $888.29 $961.95

Let’s improve your protection today by applying for a plan that will not only cover your loved ones upon your death, but will also provide financial protection in the event you live through a critical or chronic illness!