1. Material provided by Advisors Excel, LLC
Note to Producer:
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Producers are ultimately responsible for the use or implementation of this material and should be aware of the compliance requirements of any applicable insurance carriers they represent, federal regulations and state insurance regulations.
It must at all times be made clear to consumers that absent the appropriate licensing and credentials, the financial professional does not and is not providing tax, legal, or investment advice. Please keep in mind that no amount of experience as a financial professional or designation qualifies a producer to provide legal, tax or investment advice if not appropriately licensed. Consumers should always be encouraged to consult with qualified professionals before making any decisions about their personal situation.
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Material provided by Advisors Excel, LLC

2. Single Premium Life Insurance
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Help Protect Your Retirement Against the Odds
Single Premium Life Insurance
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3. Disclosures
Throughout the presentation, we may generally discuss different insurance products; however, nothing I say should be construed as a recommendation to buy or sell any insurance product, nor should it be used to make decisions today about your current retirement income strategy.
I am a licensed insurance producer, and my goal with this presentation is to expose you to ideas and insurance products that may help you work towards your retirement income goals. Please understand that I cannot make any promises or guarantees that you will accomplish such goals.
This presentation is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal, tax or investment advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Firm Name] and its representatives do not give legal, tax, or investment advice. Legal, tax and investment advice should come from a licensed professional who can provide advice on these topics.
Despite efforts to be accurate and current, this presentation may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this presentation.
At the end of the seminar, you will be provided an opportunity to visit with us one-on-one to discuss your specific circumstance in a private, comfortable setting. At this visit you may be provided with information regarding the purchase of insurance products.
Read Slide; do not gloss over these; make sure you cover each of them in sufficient detail to ensure prospect understanding

4. Long Term Care/Health Care Disconnect
Retirement Concerns:
Pre-Retirees:
Retirees:
Paying for Long Term Care:
73%
59%
Paying for Health Care:
75%
53%
Paying for both long-term care and health care needs are at the top the list of concerns -- right after keeping up with inflation -- for both retirees and pre-retirees according to a 2017 Risks and Process of Retirement Survey conducted by the Society of Actuaries.
Society of Actuaries, January 2018, "2017 Risks and Process of Retirement Survey," Accessed February 2, 2018.

5. Long Term Care/Health Care Disconnect
Personal life expectancy is 10 years shorter than the age of their longest living relative, according to 37% of pre-retirees and 28% of retirees.
To make matters worse, “more than half of pre-retirees and retirees estimate their life expectancy well below actuarial estimates.“ (Anna Rappapart, FSA, MAAA & Chair of the SOA’s Committee on Post-Retirement Needs and Risks). For the 2015 survey, a median of pre-retirees predict they will live to age 85; however, 55 percent of pre-retirees said at least one family member lived past age 90. Personal life expectancy is ten years shorter than the age of their longest-living relative, according to 37 percent of pre-retirees and 28 percent of retirees. For a growing number of our aging population, many are in denial or are disillusioned about how long they may live and how to plan for the long term.
Society of Actuaries, June 29, 2016, “Society of Actuaries Survey Examines Retirement Concerns and Managing Risks," Accessed February 5, 2018.

6. “It won’t happen to me!”
I know what you may be thinking….I eat right, I exercise, the doctor says I’m healthy. And I truly hope all of those things are true! The problem is, you never know what tomorrow will bring.

7. What are the Odds?
80%
of adults have at least one chronic illness.1
of Americans aged 55+ are at risk for hypertension, or high blood pressure.1
turning age 65 will need some type of long term care during their lifetime2
90%
70%
1National Council of Aging, 2016, “Healthy Aging Facts,” Accessed on February 2, 2018.
2LongTermCare.gov, U.S. Department of Health and Human Services, Accessed February 2, 2018.
READ STATISTICS.

8. 30 sec 40 sec 40 sec What are the Odds? a new cancer is diagnosed3
one heart attack occurs4
one stroke occurs5
40 sec
40 sec
3SEER Training Modules, “Cancer Facts & The War on Cancer,” Accessed on February 5, 2018.
4American Heart Association, January 11, 2018, “About Heart Attacks,” Accessed on February 5, 2018.
5Centers for Disease Control and Prevention, September 1, 2017, “Stroke Fact Sheet,” Accessed on February 5, 2018.
READ STATISTICS

9. $1 M $97,455 $45,000 Consider the Costs
Lifetime cost of severe heart attack6
Median cost per year for private room nursing home7
Median cost per year for one-bedroom unit in an assisted-living facility7
$97,455
$45,000
6United Policyholders, 2017, “The cost of surviving cardiovascular disease: It’s enough to give you a heart attack!” Accessed on February 5, 2018.
7Genworth Financial, “Genworth 2017 Cost of Care Survey,” Accessed on February 5, 2018.
So how much will all it actually cost you, should any of those things occur? READ STATISTICS.

10. Consider the Costs $176,015 $97,455 Median Annual Nursing Home Cost
81% Increase
$176,015
$97,455
The national average for private room nursing home care is $97,455 right now, but is projected to reach over $176,015 in 20 years, right about the time most of us are in the demographic that tends to need it the most.
Genworth Financial, “Genworth 2017 Cost of Care Survey,” Accessed on February 5, 2018.

11. Are you prepared to cover those costs today?
33% Average income lost by caregivers each year of caregiving.8
Medical expenses are the leading cause of personal bankruptcies⁹
⁸Genworth Financial, “Beyond Dollars 2015 Exposing the trust costs,” Accessed on February 5, 2018.
⁹National Bankruptcy Forum, May 17, 2017, “10 Statistics about US Medical Debt that Will Shock You,” Accessed on February 5, 2018.
Do you have a plan? One that insulates the savings they’ve worked so hard to build? Many people I talk to do not, even though (READ STATISTICS)

12. The Impact The effects of a chronic illness
can ripple across entire families.
The financial impact of a serious or chronic illness doesn’t just impact the person who is sick. The effects can ripple across entire families.

13. Single Premium Life Insurance
Have a death benefit need and desire flexibility to access a portion of the policy’s cash value to assist with the costs associated with a chronic or terminal illness.
Generally:
Single premium or limited pay
Simplified underwriting
READ SLIDE

14. Reposition a Portion $200,000 $200,000 $100,000 $500,000
Hypothetical Example:
Steve’s $1,000,000 retirement portfolio
60 years old
$200,000
$200,000
$100,000
$500,000
Let’s look at this hypothetical example. Steve has $200,000 in cash, $100,000 in investments, $200,000 in life insurance for wealth transfer and $500,000 in his 401k.
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

15. Reposition a Portion SPL Hypothetical Example:
Steve’s $1,000,000 retirement portfolio
60 years old
$100,000
$100,000
SPL
$200,000
$500,000
$100,000
You only siphon off a portion to be used as the premium into the SPL. When looking at SPL solutions, ideally you can simply reposition cash sitting in a cash equivalent or other low interest earning asset to fund this policy.
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

16. SPL = Flexibility If Steve dies
An income tax-free death benefit for beneficiaries
If Steve gets sick
Accelerated death benefits for specified chronic or terminal illness expenses
If Steve changes his mind
Full return of premium option at anytime*
*availability may vary by carrier and may require an additional fee.
In this scenario, the $100,000 is providing Steve with flexibility: whether he gets sick, passes away, or changes his mind.
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

17. Hypothetical Scenario: for Steve’s $100,000 premium
If Steve dies:
$186,000 Income Tax-Free Death Benefit1
1If properly structured, proceeds from a life insurance policy are generally income tax- free to the beneficiary. Life insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Life insurance policies are subject to medical underwriting, and in some cases, financial underwriting.
If Steve passes away, his beneficiaries would receive a $186,000 tax-free death benefit…resulting in an immediate increase in the value of Steve’s estate.
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

18. Hypothetical Scenario: for Steve’s $100,000 premium
If Steve gets sick2:
$186,000
_________
Nursing Care Benefit paid over 36 months
$186,000
_________
Chronic Illness Benefit paid over 60 months
$176,700
_________
Terminal Illness Benefit
$100,000 premium OR OR
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.
2An acceleration of the policy death benefit is generally income tax-free. Benefits are typically available only through an optional rider which may require an additional fee; rider and/or life insurance product availability may vary by state. Actual rider benefit amount will vary according to the rules and restrictions of the specific life insurance product selected and will reduce the ultimate death benefit and cash value. Accelerated benefits are not a replacement for long-term care insurance and are subject to eligibility requirements. You should consult a qualified tax professional for information on how benefits received may impact your personal situation.
If Steve gets sick, he has the ability to accelerate up to 100% of the death benefit to help cover related expenses.
READ INFORMATION ON SLIDE
Since these benefits are an acceleration of a tax-free death benefit, they are generally received tax-free as well.

19. Hypothetical Scenario: for Steve’s $100,000 premium
If Steve changes his mind:
$100,000 Return of Premium3
This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.
And lastly, if Steve’s circumstances change and he decides he no longer needs the policy, Steve can surrender the policy and receive back his entire single premium, less any loans, withdrawals or accelerated benefit payments he has already received.
3Upon full surrender, less any previous loans and withdrawals. Exact details of rider options vary by company and may require an additional fee, see full illustrations for details.

20. Different Options for Different Priorities
Accelerated Benefits
Death Benefit
Cash
Accumulation
Depending on what your needs are, there are SPL products that offer a greater emphasis in one area than another.

21. Different Options for Different Priorities
Accelerated
Benefits
Death Benefit
Cash
Accumulation

22. Different Options for Different Priorities
Accelerated
Benefits
Death Benefit
Cash
Accumulation

23. If the Following Apply to You…
A need for life insurance (death benefit)
Desire the potential for income tax-deferred interest credits
Access to accelerated death benefits in the event of a chronic or terminal illness, subject to qualification
Access to policy loans and withdrawals1
Simplified underwriting with just a few medical questions
1Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Tax laws are subject to change and you should consult a tax professional.
READ SLIDE

24. Let’s Take a Closer Look at Single Premium Life Insurance
[Producer Company Name/Logo/Contact Info/Etc. placed here]
If you are ready to discuss how incorporating this life insurance product into your unique situation may help protect a portion of your retirement assets, let's schedule some time to do a thorough evaluation.