1. PREMIER FINANCIAL ALLIANCE
FINANCIAL PLANNING PRESENTATION 1

3. The Road To Financial Freedom
THREE ENEMIES OF YOUR MONEY “ T I P ”
HOW MONEY WORKS
TYPES OF MONEY
INSURANCE MARKET
THREATS TO YOUR FINANCIAL SECURITY
THE REVOLUTIONARY SOLUTION
THE SECRET OF MONEY

4. THREE ENEMIES OF YOUR MONEY
TAXES
INCOME TAXES
SALES TAXES
CAPITAL GAINS TAXES
ESTATE TAXES

5. THREE ENEMIES OF YOUR MONEY
INFLATION
THE SILENT KILLER OF YOUR MONEY

6. THREE ENEMIES OF YOUR MONEY
PROCASTINATION
HIGH
COST OF
WAITING

7. The person with the most “doubles” wins.
HOW MONEY WORKS
Rule of 72
Divide 72 by the interest rate to estimate the number of years it takes for your money to double.
Age 4%
Money Doubles Every 18 Years
29 $10,000
47 $20,000
65 $40,000
Age %
Money Doubles Every 9 Years
$10,000
$20,000
$40, $80,000
65 $160,000
Age %
Money Doubles Every 6 Years
$10,000
$20,000
$40, $80,000
53 $160,000
59 $320, $640,000
The person with the most “doubles” wins.
* These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle.
The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return.
The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

8. TYPES OF MONEY FREE MONEY TAX FREE MONEY TAX DEFFERED MONEY
401K, LOTTERY
TAX FREE MONEY
ROTH IRA
LIFE INSURANCE
TAX DEFFERED MONEY
401K
IRA
TAXABLE MONEY
EVERYTHING ELSE

9. VARIABLE UNIVERSAL LIFE EQUITY INDEX UNIVERSAL LIFE
INSURANCE MARKET
TEMPORARY LIFE INSURANCE
(RENTING)
PERMANENT LIFE INSURANCE
(BUYING)
RATE OF RETURN %-3.5%
WHOLE LIFE
RATE OF RETURN %-5%
UNIVERSAL LIFE
TIED WITH STOCKS
VARIABLE UNIVERSAL LIFE
RATE OF RETURN %-12%
AVERAGE 7.3%-8.3%
EQUITY INDEX UNIVERSAL LIFE
EXPIRES AFTER CERTAIN TIME
TERM LIFE
RETURN OF PREMIUM

10. THREATS TO YOUR FINANCIAL SECURITY
PREMATURE DEATH
Households saying they own enough life insurance to replace their income for only 2.8 years.
ILLNESS
Every 40 seconds someone in the US suffers a stroke. Every minute an American will die from a coronary event1. .
DISABILITY
One in 5 working Americans suffers the effects of a disability for more than six months during his/her working career2.
LONG-TERM CARE
The U.S. Bureau of Census estimates that by 2060 as many as 24 million people will need long term care services.
OUTLIVING YOUR MONEY
People are living longer and longer, but they are saving less and less. Most Americans retire in poverty. 73.8% of Americans 65 and older retire on a combined income of private pension and Social Security of $10,000 less a year3.
American Heart Association, American Stroke Association, Heart Disease and Stroke Statistics, 2008
Commissioners Group disability table and U.S. Bureau of Census
Social Security Administration, 1996

13. Accelerated Benefits Riders
ABR 1- Terminal Illness
Resulting in death within two years
(1 year in VT and PA)
Lump-sum distribution (discounted from death benefit)
Funds can be used for anything
No additional cost
No elimination period
Let’s go over the living benefits that we offer your clients. We refer to them as Accelerated Benefits – otherwise known as ABR Riders. We offer 3 state of the art ABR riders.
We’ll go over what we call ABR1 – for terminal illness.
Our terminal illness rider pays a benefit if the diagnosis is terminal and the Insured is expected to die within 2 years of that diagnosis. Many other carriers offer Terminal illness riders but with death resulting in 1 year from diagnosis. LSW offers a liberal benefit with its 2 year definition. We also offer a maximum benefit of $1,000,000 – many other carriers offer $500,000 of benefit or less.
We offer either a full election – or a partial election – the money is paid out in a lump sum – no monthly benefits - to the owner of the policy at any point after the issue date – there is no elimination period. We do not require proof that the money is being used to pay medical expenses but we do ask for certification by a Physician who is recognized by the law of the state.

14. Accelerated Benefits Riders
ABR 2 - Chronically ill
Unable to perform 2 of 6 ADLs
Activities of Daily Living
Bathing
Continence
Dressing
Eating
Toileting
Transferring
Cognitive Impairment
Short-term or long-term memory impairment
Loss of orientation to people, places or time
Deductive or abstract reasoning impairment
Max. benefit calculated as 24% of the net death benefit (actual payment is discounted) in any calendar year
Funds can be used for anything
No additional cost
Policy must be I/F for 2 years
ABR 2 – provides for Chronic Illness. This is very much like the requirements under a true LTC policy in terms of the definition of a qualifying event. There must be the inability to perform at least 2 of the 6 ADL’s which you’ll see on the next slide.
There are restrictions in terms of when benefits become available with this rider. The insurance policy must be I/F for 2 years. A duly licensed medical Physician must certify that the Insured is Chronically Ill for a period of at least 90 days before we can accelerate the death benefit. Once approved, this rider will pay a 24% lump sum benefit to the owner of the policy in any calendar year to help offset, or perhaps even cover completely, the medical costs associated with a chronic illness. This is the equivalent of 2% per month.

15. Accelerated Benefits Riders
ABR 3 - Critical Illness
Heart Attack
Stroke
Cancer
End stage renal failure
Major organ transplant
ALS (Lou Gehrig’s disease)
Blindness
Lump-sum distribution (discounted from death benefit) after 30 days
Funds can be used for anything
No additional cost
The 3rd ABR rider that we offer is for Critical Illness.
Election of ABR3 can be either partial or full and are paid in a lump sum.
There is a 30 day wait – which means 30 days from the date of issue of the policy…………by today’s standards in terms of elimination periods, 30 days is typically the quickest amount of time that you are likely to see for any type of policy that pays a financial benefit while living.
Again – a duly licensed medical Physician must certify for the company that the Insured does in-fact suffer from a critical illness.
Please keep in mind that ABR3 is not available on rated cases.
Form series 8165(0703)

16. Life Event Story

17. According to the Federal Reserve, the richest 10% Americans own
WHAT THE WEALTHY KNOW THAT MANY PEOPLE DON’T
According to the Federal Reserve, the richest 10% Americans own
over half of the tax-free investment gains built up in life insurance1.
50th to 90th
percentile
Own 38.4%
Top 10%
own 55.1%
Has Life Insurance
Has Life Insurance
Families in bottom half of net-worth percentiles own just 6.5% of these tax-free assets!
1. Federal Reserve, 2007

19. THE EQUITY INDEX CONCEPT WHOSE TIME HAS COME
UPSIDE POTENTIAL
When the stock market is up, an equity indexed product will return to you a portion of the stock market gain.
DOWNSIDE PROTECTION
However, during the years when the stock market is down, your equity indexed account will not lose any money.
09/ /2010 .
1on1 slide: talk about the equity indexed annuity here. Would you think American consumers are desperately looking for info like this?
This is the last slide, based on what I shared with you, are you honestly interested in this? Our company is looking for sharp individuals right now.
The graph is based on actual S&P 500 data and actual credited rates for the period shown on one of our indexed annuity products. These results should not be an indication that Indexed Annuities will outperform the S&P This simply demonstrates the effectiveness of Indexed Annuities in years when the S&P 500 was negative. .

20. Cash Value Upside growth potential Downside protection Accessibility
Interest credit is tied to the S&P 500 Index
S&P 500 Index – A dynamic index that consists of the 500 largest companies in the US such as Exxon, Disney World, Walt Mart, Citigroup, Microsoft, McDonalds… etc.
Downside protection
Equity Index concept guarantees you could never lose your cash value due to a decline in the index
Accessibility
Tax free access after the 1st year via loans