Covering your financial bases

“Protecting the really important things in life”™

CA Lic. # 0695737This presentation is for illustration purposes only and is not intended as a full description of benefits. Please refer to each company’s brochure for a more comprehensive description of benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit amounts can vary based on underwriting. Initial payment does not guarantee approval.

Prepared for

NetServ

Covering your financial bases

• If money were no object, we could all afford to insure for every single eventuality in life…

• However, money is a consideration and we must make sure that we cover the bases that really matter the most.

Covering your financial bases

3rd Base “Protecting your Family’s Future”

Life Insurance

2nd Base “Protecting your Paycheck”

Critical Illness Insurance

Home Base “Protecting your

Financial Future” Retirement Strategy

1st Base“Protecting

your Assets”Health Insurance

You and your family

Covering your financial bases

Covering 1st Base

Health InsuranceHealth Insurance

“Protecting your Assets!”

With you can save 30 – 50% each month and get better coverage…especially in the areas that really matter the most!

Cost: $969$969Cost: $969$969

Major MedicalMajor MedicalMajor MedicalMajor Medical Accident PlanAccident PlanAccident PlanAccident Plan

Paycheck Paycheck ProtectionProtection

Paycheck Paycheck ProtectionProtection

Dental PlanDental PlanDental PlanDental Plan

Cost:Cost: $817$817Cost:Cost: $817$817

commonly soldcommonly soldhealth planhealth plan

commonly soldcommonly soldhealth planhealth plan

Kaiser HMO

HSA 0/2700

dr. visit: Network rate

rx: 100 % after deductible

deductible: $2,700 co-insurance: none after deductible

maternity: 100 % after deductible

maximum out of

pocket: $2,700

Value Benefits of America

Pays up to $2,500

per accident on top of major

medical coverage with only a

$100 deductible

_____________

Includes (At No Extra Charge)

• Any Hospital or Doctor

• $5,000 AD&D • Many Additional

Benefits

American General

Helps replace valuable income

due to major/critical illnesses

including:

• heart attack • life-threatening cancer • stroke

• and more… Approx. Benefit

$25,000

California DentalNetwork

Dental Plan Includes:

Large Network of Dentists

Free Exam & X-Ray

Free Cleanings

Free Fluoride – treatment for kids

Great Savings!

Or, you could Or, you could have…have…

Many traditional health plans Many traditional health plans don’t do enoughdon’t do enough to protect your hard earned assets to protect your hard earned assets……

This presentation is for illustration purposes only and is not intended as a full description of benefits. Please refer to each company’s brochure for a more comprehensive description of benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit amounts can vary based on underwriting. Initial payment does not guarantee approval.

HealthNet HMO 30 Value

dr. visit: $30

rx: $15 (generic) $30 (Brand 200 ded)

deductible: $0

co-insurance: 30% Hospital

maternity: covered

maximum out of

pocket: $3,500

The ApproachThe Approach

Covering your financial bases

Covering 2nd Base

Critical Illness InsuranceCritical Illness Insurance

“Protecting Your Paycheck”

Because this product is already included in your package, you are covering 2nd Base at no additional cost to you…giving you and your family the financial peace of mind you deserve.

Covering your financial bases

Covering 3rd Base

Life InsuranceLife Insurance

“Protecting your Family’s Future!”

Using some of the savings from the approach to help protect your family’s future.

Covering your financial bases

Option A Option B

Life InsuranceLife Insurance

American General Select- A-Term*

(No money back at end of term) (With return of premium rider)

*30 year term - $500,000 coverage for man age 40 (preferred non-tobacco)

$57.75/month premium

$32,536.80 (spent in 30

years)

You get nothing back at the end of the term!

$20,790.00 (spent in 30 years)

You get it all back at the end of the term! (tax-free!)

$90.38/month premium

American General Select- A-Term*

Covering your financial bases

Covering Home Base

Retirement StrategyRetirement Strategy

“Protecting your Financial Future!”

You can use some of the savings created by the approach to help prepare for your retirement years.

Covering your financial bases

Retirement StrategyRetirement Strategy

Live?…Retire Tax Free! (based on current tax law)

Potential Retirement Income:

(age 70) +$331,622$331,622

Potentially withdraw Potentially withdraw

$52,098$52,098 Tax-Free Tax-Free annually to age 120 annually to age 120

(based on current tax law)(based on current tax law)

Disabled? Plan completed for you!

Die? Plan completed for

you!

You could put some of the savings to You could put some of the savings to work for work for youryour future! future!

With a With a Safe,Safe, Secure and Self-Completing IUL Retirement PlanSecure and Self-Completing IUL Retirement Plan

Payments made for you each month(payments made for 5 years)

$250.00/monthly$250.00/monthly

™

Immediate death benefitImmediate death benefit

$167,550$167,550 (can you get that (can you get that guaranteeguarantee

from your banker of stockbroker?)from your banker of stockbroker?)

*Coverage for man age 40 (preferred non-tobacco)

Covering your financial bases

Home Run!Home Run!

For what you were spending on your old health plan ($843/month) where all you got was just health insurance…

● saves you money!

● gives you more benefits!

● uses the savings to help cover the really important bases!

The ApproachThe Approach

Covering your financial bases

• What “base” concerns you and your family the most?

• Health Insurance• Critical Illness• Life Insurance• Preparing for Retirement