1. The Best Retirement Vehicle You’ve NEVER Heard of…

2. Current Retirement Programs 1. Social Security 2. Pension Plans 3. 401(k), IRA, Roth

3. Our retirement problem Social Security 75 Year Deficit Pension Plans Only 10% of companies 401(k), IRA, Roth Lost over $2 Trillion

4. Our retirement problem, cont’d It’s an untold secret, you can work a lifetime and do everything right and not be able to pay your bills in retirement Karen Ferguson, director of Pension Rights Center “ ”

5. SOLUTION: IULIUL INDEXED UNIVERSAL LIFE!

6. More benefits “The Magnificent 8” 1. Safety Receive a contractual guarantee that you’ll never lose your principle and earnings. 2. Liquidity You have access to your funds prior to age 59 1/2. 3. Flexibility Options include a “Fixed-Rate” of return or a “Participating Plan” rate. 4. Taxes An IUL at distribution is tax-free. There is no tax on the growth. If you pass away, there are no taxes for your heirs. 5. Growth potential The potential for growth is much higher than qualified plans. 6. Contributions No maximum on the amount of contributions. 7. Death Benefits A death benefit is provided on all plans. 8. Living Benefits Riders give policy owner access up to 100% of the Death Benefit.

7. The catch: Earnings limited to 14% per year Available to qualified individuals only Monthly, annual, or lump-sum contributions are required

8. The catch:

9. 100% guarantee to never lose your principle

11. The Best Retirement Vehicle You’ve NOW Heard of…