How to Grow and Protect Your Wealth – Even When Stocks, Real Estate, and Other Investments Tumble...

How to Grow and Protect

Your Wealth –

Even When Stocks, Real Estate, and

Other Investments Tumble

© 2008 - 2011 Hayward-Yellen 100 Ltd Partnership

A guaranteed way to grow your savings predictably every single year, even when stocks, real estate and other investments tumble!

A method used by hundreds of thousands of Americans who sleep well, because not one of them lost a single penny when the markets crashed

What is Bank On Yourself?

A strategy that allows you to fire your greedy banker and credit card companies – and become your own source of financing!

A program that can give you a guaranteed and predictable retirement income when you want it – with potentially little or no tax consequences, under current tax law


A way to use your money to buy things or invest elsewhere – while your plan continues to grow just as if you never touched a dime of it!


How many of you can tell me what your retirement account will be worth on the day you plan to retire?

If you don’t know how much your account will be worth, you don’t have a plan

You’re gambling!

Have You Been Doing All the “Right Things” … with Disappointing Results?

Stock MarketHome EquitySocial Security

Conventional Wisdom: Three-Legged Retirement Stool

In the last decade, Wall Street lost more than 45% of the typical investor’s money - TWICE

Conventional Wisdom: Stock Market

For the last two decades, the typical equity fund investor only beat inflation by a measly 1% per year.

DALBAR’s 2011 Quantitative Analysis of Investor Behavior


The top-performing mutual fund of the last decade had an 18% annual return.

So, what would you guess was the annual return of the typical investor in that fund?

Take a guess.


He LOST an average of 11% … every year … for 10 years!


Source: Morningstar, Inc.

HOW IS THAT POSSIBLE???


Mutual fund firms advertise “buy and hold” results

But what do we do? We buy after a strong run-up

Buy

Sell

Duh!!!

We hold our fund for less than five years

Then we sell when the fund tanks


When (and if) gold reaches $2,500 an ounce, it will only be worth about what it was worth 31 years ago, after adjusting for inflation!

What About Precious Metals as Investments?

InflatationData.com

Not too long ago, silver lost 1/3 of its value in just two weeks.

What About Precious Metals as Investments?

Source: Finance.yahoo.com

So much for the conventional wisdom about investing!

We were taught to count on our home equity to finance our retirement.

Conventional Wisdom: Home Equity

But the average home price has plunged to where it was in 2002, wiping out a decade of equity!


Today, one out of every four families with mortgages owes more than their home is worth.

They’re under water!

“Housing Imperils Recovery,” S. Maitra Kalita, Wall Street Journal, June 1, 2011


So much for the conventional wisdom about home equity!

The government keeps changing its mind about when Social Security and Medicare will go bust.

Conventional Wisdom: Social Security

“U.S. Medicare to hit financial woes sooner than expected,” Reuters, May 13, 2011.

And the news is getting worse, not better.

So much for the conventional wisdom about Social Security!

Humorist Dave Barry has one answer:

19

The key to eliminating retirement uncertainty is to plan carefully, save as much as possible, invest wisely, and then, at age

65, get hit by a bus.

We can no longer rely on the Three-Legged Retirement Stool

The Really Bad News:

Stock MarketHome EquitySocial Security

The Bank On Yourself

method provides a solution

to these challenges!

The Really Good News:

So what is theBank On Yourself

Method?

A turbo-charged variation of a financial asset that has increased in value –

During EVERY market crash …

In EVERY period of boom AND bust …

For more than 160 years:

Dividend-paying whole life insurance

So What is theBank On Yourself Method?

NOT the kind of whole life insurance most advisors and experts talk about

You don’t have to die to “win”

You’re Kidding, Right?

Dividend-Paying Whole Life Insurance?

Although most financial “gurus” tell you to avoid cash value insurance,

a properly designed Bank On Yourself-type policy will …

Dividend-Paying Whole Life Insurance

beat the pants off your best saving or investing method!

A dividend-paying whole life policy

Customized with added features most advisors and experts don’t know about or understand

A rider that significantly turbo charges the growth of your money, especially in the early years

An advisor willing to give up 50-70% of his or her commission.

The Bank On YourselfMethod Requires

Really.

Growth that is guaranteed

And predictable

The Bank On YourselfMethod Gives You

How is a Bank On Yourself-type policy different from the policies Suze Orman, Dave Ramsey, and other financial “gurus” grouse

about?

Whole Life Polices Dave & Suze Love To Hate

Bank On Yourself-Type Dividend-Paying

Whole Life Policies

No cash value in early years

Special feature gives you up to 40 times more cash value

Death benefit stays level for the life of the policy

Both your death benefit and cash value grow at a steeper pace – every year

Company only pays the death benefit

Policy can pay a sum equal to original death benefit PLUS the current cash value PLUS even more

MEMO

To: Dave and

Suze“The

highest

form of

ignorance is

to reject

something

you know

nothing

about.” –

Wayne

Dyer

Dr. Wayne Dyer

Term Insurance: You rent it, like you rent an apartment

Whole-Life Insurance: You own it, like you own your home

Buy Term and Invest the Difference?

Nothing to show unless you die during the term. (Penn State University reports that 99% of term policies never pay a claim.)

No inflation protection. (After 20 years of 4% inflation, it’s worth less than half its original value.)

If your health deteriorates and you want to renew … good luck. (It’ll cost you more … if you even qualify to renew.)

Term Insurance

You build equity at a guaranteed, predictable rateUse your equity however and whenever you wantNo applying or begging to get your money – you

can’t be turned down for a loan!Pay back your loans on your terms In an emergency you can reduce or skip some

payments – no black marks on your credit report, and no collection calls!

Guarantees based on the claims-paying ability of the insurer. Policy loans accrue interest, and they lower policy values until repaid. Excess loans may terminate a policy with tax consequences

Dividend-PayingWhole Life Insurance

The problem in America isn’t what people don’t know. The problem is what people think they know, that just ain’t so.

Will RogersAmerican Humorist and

Philosopher

Myth or Fact: Big Risk = Big Reward?

Myth! For the last 40 years ordinary long-term treasury bonds have outpaced the stock market!

What does that mean for stock market investors?

35

Source: Journal of Indexes, May/June 2009

Wall Street’s “Dirty Little Secrets”

It means the only “rewards” investors

received for taking the extra risk of stocks and equity mutual funds for the past 40 years are sleepless nights and

broken retirement dreams!

36


Source: Hulbert Financial Digest37

Four out of five investment advisors underperform the overall market

Four out of five mutual funds underperform the overall market


If you have a $20 stock and it increases by 40%, how much is it then worth?

NOT WORTH ANYTHING UNTIL YOU SELL IT AND HOPEFULLY LOCK IN YOUR GAINS

We call that the HOPE & PRAY method

38


The ONLY thing Wall Street guarantees you is that they get paid … whether you win OR lose!

40


Compare That with Bank On Yourself

You receive a pre-set and guaranteed cash value increase every year

Neither your principal nor your gains are lost when the market tumbles

42

How Does the Bank On Yourself Method Grow Your Wealth Safely

and Predictably?

43

Growth is not only guaranteed, it’s exponential – it gets better every year simply because you stick with it


and Predictably?

44

You may also receive dividends – they’re not guaranteed, but have been paid every single year for more than 100 years by the companies we use for these plans


and Predictably?

Can you imagine looking forward to opening your statements because they always have good news and never any ugly surprises?

Do You Ever Dread Opening Your Investment and Retirement

Account Statements?

What’s the lowest minimum annual return you would accept to be willing to endure the roller-coaster ups and downs of the market?

How many of you would do it for a 3% annual return?

Would you do it for 5% per year?

How about 7% per year?

How many would demand 10% per year?

When Do You Think the Dow Will Hit 27,000?

If you wouldn’t ride that roller coaster unless you could be sure of getting a 5% annual return, then the Dow needs to be higher than 27,000 – today – just to get you even with where you were 12 years ago (after adjusting for inflation)!

Proof and calculations at www.BankOnYourself.com/dow27k


And if you wouldn’t be willing to take that ride for anything less than 7% annually, the Dow needs to be above 34,000 today, after adjusting for inflation

So … when do you think the Dow will hit 27,000?

What’s the Dow at today?

Proof and calculations at www.BankOnYourself.com/dow27k


Your money needs to “live” somewhere: Savings account Checking or money market or CD Investment account (inside or outside a

retirement plan) Real estate Precious metals or currency Commodities Under your mattress

A Better Place to Park Your Money

What’s the best place to park money you need to keep safe and liquid?

No better place than a:

Dividend-paying whole life insurance policy

Designed to maximize the power of the Bank On Yourself concept

From a top-rated, rock-solid company


You could get substantially better growth than a CD or a savings or money market account – without taking on more risk

Benefit: You will be growing a retirement account you can predict and count on


Five Reasons Why:

1

You will be able to get your hands on your equity whenever you need it, for whatever reason

Benefit: Pay it back on your schedule, not someone else’s

Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences.


Five Reasons Why:

2

Unlike a 401(k) or investment account, no surprise fees and expenses

Benefit: Know your bottom-line results in advance


Five Reasons Why:

3

A death benefit that could be many times greater than your cash value

Benefit: Financial security and peace of mind for your loved ones … a charitable legacy that can last long after you have gone


Five Reasons Why:

4

Bank On Yourself-type policies allow you to borrow your cash value and your policy continues to grow

Benefit: You will earn the exact same guaranteed cash value increase and the same dividend you would if you didn’t use the money in your plan


Five Reasons Why:

5

Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences.

Does having money safe and available when you need it

take away any of your options?

56


If you’re looking for more of the same conventional financial advice, this isn’t

for you. But if you’re prepared to take

back control of your financial life once and for all, Bank On Yourself is

a ground-breaking method that can put you

on the fast track to reaching your goals and

dreams.

T. Harv Eker, Author, New York Times #1 Bestseller,

Secrets of the Millionaire Mind

Finance

Lease

Pay Cash

58

Let’s Look at the WaysWe Make Major Purchases

If you finance a car, what do you have to show for your money after your loan is paid off?

If you lease the car, what do you have to show for it when the lease is up?

If you save up for it in a savings account, when you pull your money out to pay cash, how much are you now earning on your money?

59

Let’s Look at the WaysWe Make Major Purchases

You either pay interest when you finance or lease things

Or you lose interest and investment income you could have had if you kept the money invested instead

60

Financing, leasing and paying cash are all losing scenarios, because …

If you save your money in a Bank On Yourself-type policy You can borrow it to pay cash for a

car – or anything else

And the money in your plan will continue growing as though you never touched a dime of it!

61

However …

62

How Is That Possible?!?

When you take a policy loan, you are borrowing against the cash value and using the death benefit as collateral for the loan

If you die with a loan outstanding, they would simply deduct it from your death benefit

63


Dividends are calculated based on your policy’s death benefit, not its cash value

The companies we use pay the same dividend regardless of any loans

This feature allows you to use your money in the policy and still have it working for you

64

Excess loans can terminate a policy. A policy that lapses or is surrendered can potentially result in tax consequences. Dividends, though not guaranteed, have been consistently paid for 100+ years by some companies.


I’ve used the Bank On Yourself method for the

past eleven years to recapture what I pay for

my cars, as a ready source of capital for my business, and to help finance a real

estate investment. It’s safe, proven and should be part of any financial foundation.

65

Garrett Gunderson, New York Times best-selling author of

Killing Sacred Cows

Most baby boomers know they won’t be able to retire when they had planned. So they try to convince themselves that retirement is overrated. They talk about continuing to work as long as they can.

Source: Employee Benefit Research Institute

They don’t realize that about four in ten retirees were forced out of work earlier than they had planned because of layoffs, poor health or the need to take care of a loved one.

Shouldn’t the decision to

retire or not be a matter of choice,

not necessity?

On average, participants in small plans pay 1.9% in fees annually and participants in large plans pay 1.08% per year

Source: “Find the Fees,” by Emily Lambert, Forbes, June 6, 2011

The Disturbing Truth About 401(k)s

Even paying total fees and expenses of only 1.5% can wipe out 39% of your retirement nest egg!


There is a tax-time bomb hidden in your 401(k), because one of its big appeals is that it lets you defer you taxes.

But what happens if tax rates go up over the long term?

Do you think they might?


And what happens if you are actually successful in growing your account?

You’re going to pay higher taxes on a bigger number!

The reality is that when you factor in fees, inflation and deferred taxes you will owe, your 401(k) will probably have to deliver an average annual return of 8% to 10% – just to break even with what you paid into it!

Source: “Zombie Investors,” October 2010 cover story, by Dean Rotbart and Pamela Yellen, BankOnYourself.com, with in-depth documentation

The 401(k) Disaster

I have been an estate, business and charitable

planning attorney for over 45 years. Bank On Yourself is a real

winner. The technique also enables setting up asset protection, stand-by emergency money

and tax savings.John Goodson, Senior

Attorney, Goodson Manley Forakis, PLC

The companies we use for these policies are among the financially strongest life insurance groups in the world

They aren’t owned by stockholders, which lets them focus on the long-term best interests of policy owners, rather than the short-term demands of Wall Street

Paid dividends every year for at least 100 years, including during the Great Depression

73

How Safe Is Your Money in a Bank On Yourself policy?

Life insurance companies are audited regularly to ensure they maintain sufficient reserves to pay future claims

If a company gets into financial difficulty, the state insurance commissioner’s office can step in and take over and run the company in the interest of policy holders – usually a failed insurer’s business is then taken over by another life insurance company

Rated regularly by a handful of independent rating companies

74

Three-Layer Safety Net

Rock-solid retirement plan alternative Pay for college without going broke Finance major purchases (including business

purchases) yourself Emergency cash reserve Eliminate debt and increase

savings Bypass banks and Wall Street

altogether!

75

Some of the Ways You Can UseBank On Yourself

Rose Hillbrand of Ohio shares some of the ways she has used Bank On Yourself to get of debt and become her own source of financing. …

76

Some of the Ways You Can UseBank On Yourself

1. Guaranteed, predictable growth and retirement income – with no luck, skill or guesswork required

2. Your plan doesn’t go backward when the markets tumble

3. Control of your money without government restrictions

4. Potentially tax-free retirement income, under current tax laws

78Guarantees based on the claims-paying ability of the insurer

Bank On Yourself Makes an Excellent Alternative to

Traditional Retirement Plans

5. You can use your equity any way you like … and your plan could grow as though you never touched a dime of it

6. It gives you peace of mind – your family could even receive the money you intended to save, if you pass away prematurely

79

Bank On Yourself Makes an Excellent Alternative to

Traditional Retirement Plans

Bank On Yourself is a powerful and

time-tested method that can guarantee

your financial security now and in the years to come.

80

Mark Victor Hansen, co-author, Chicken Soup for the Soul series (more than 100 million

copies sold)

Bank On Yourself

81

The ultimate financial

security blanket – in both good times and bad

Walt DisneyBorrowed from his life insurance policy in 1953 to fund Disneyland … when no banker would lend him a dime!

Source: www.BankOnYourself.com/famous

Who Has Used the Bank On Yourself Method Creatively and Successfully?

J.C. PenneyBorrowed from his life insurance policy to meet the company payroll following the 1929 stock market crash



Doris ChristopherSold her company, The Pampered Chef, to Warren Buffett for $900 million. She had launched the company seven years earlier with a life insurance policy loan!



Don’t rule yourself out – you don’t have to be the insured on the policy

What’s important is that you own and control the policy

Is Age or Health a Barrier?

No set amount – each plan is custom tailored

Bank On Yourself Advisors don’t charge fees to review your situation, design and implement your plan.

86

How Much Does It Cost to Start aBank On Yourself-Type Policy?

We receive a commission from the insurance company.

That commission has already been taken into account in the bottom-line numbers

87


and results you will see when you take advantage of a free Analysis.

Remember – when a Bank On Yourself Authorized Advisor structures your policy this way, our commission is reduced by 50-70%.

88


It’s simply the right thing to do So you can have substantially more

cash value If I do that for you, how many people

do you think you might tell about this? Finally, a positive addiction! – Once

people get a taste of this powerful method, they come back and open new policies

89

Why Would I Give UpSo Much of My Commission?

What if you don’t have much money left at the

end of the month?

Where Will You Find the Money?

Bank On Yourself Authorized Advisors are experts at helping people restructure their finances to free up money to fund a plan – there are a number of places to look, including:

Reduce funding of your 401(k), IRA or other retirement plan – at least on the portion employer doesn’t match

Restructure debt Tap your savings Lifestyle changes

Where Will You Find the Money?

It’s not a magic pill – it takes patience and discipline – but if you have those

qualities, Bank On Yourself can pay a lifetime of benefits

92

No Magic Pill

Bank On Yourself is about building a solid foundation and taking back

control of your financial future

93

Is There a Different Financial Product That Can Do What

Bank On Yourself Can?

The first person to show they use a different financial strategy that can match or beat Bank On Yourself will receive a check for $100,000!

94

Still Skeptical? Take the $100,000 Challenge

How to Help Your Clients Add Guarantees and Predictability to Their Financial Plan Using the Bank On Yourself Method

Apply for membership in the NACFA-BOY MasterMind Group and receive total turnkey support:

MarketingLead GenerationCase DesignSales Presentation SystemsClosing Systems

Powerful marketing materials and Fast-Start Guide to making sales quickly with the Concept and How To Unleash An Avalanche Of Referrals for the Concept (Value: $995.00)

Proven, winning BOY Presentations and Software that creates a simple, customized Bank On Yourself Plan (Value: $2,995.00)

Here’s What You’ll Get If You QualifyPlatinum Members Only

Have questions?

Need some help closing a sale?

Want to know what top producing members are doing?

Participate in the MasterMind Teleconferences twice each month with Tim Austin, Nelson Nash and Pamela Yellen (Value: $1,295/year)


24-hour-a-day Internet access to the NACFA-BOY website and webinar replays of BOY case studies (Value: $995/year)

Access to over 40 different highly-rated life and annuity carriers with high payouts and no production minimums required to receive them (You'll get access to the best products and companies for the Concept – and many other quality products)


Highly qualified and motivated leads generated by the “Leads Generated For You” program (Value: $9,995/year)

Access to the “Leads Generated By You” Program, the Ultimate Marketing System for generating a consistent, predictable flow of qualified, pre-sold, READY-TO-BUY clients (Value: $9,995/year+)


Unlimited One-On-One Mentoring and Personal Success Coaching, including case development and illustration support from NACFA's BOY-specialist Consultants (Value: $5,000/year)


A 95% first-year commission level with NACFA-BOY’s primary BOY life carriers, Lafayette Life (NY resident life-licensed agents do not qualify), or 75% with Security Mutual (These commission levels are 10 points higher than Gold Level Members receive)


Use of a proprietary Turn-Key BOY Seminar for as long as you remain a member in good standing and access to a turn-key marketing program (Value: $6,995)

Tuition-free attendance at the annual BOY Sales Training Conference (Value: $495)

TOTAL VALUE: $32,565.00


Must Have an Active Life Insurance License

Must Be an Independent Agent (Captive members are unable to join)

How Do I Qualify for Membership?

Walk Your Talk: All new Members must agree to either start their own plan through NACFA-BOY's carriers or submit proof (within 21 days after acceptance) that they already have their own plan. You must agree to fund a Whole Life policy with a minimum annual base premium of $3,000 – Universal and Variable Life do not qualify for new plans.


If accepted, you will be shown how to receive 110% of this premium back within 60 days of funding the policy, so that it will cost you nothing out of pocket in the first year.


Your membership can be absolutely FREE to you by placing a minimum of 50,000 Net Annual Production Credits per year with any of NACFA-BOY’s 40+ sponsored companies and your dues will be credited back to you! (See pages 3-4 of the application)

If You’re Accepted for Membership

Simply complete and turn in your Application by the end of the meeting today

You will be notified if you’re accepted by Tuesday

If You’re Accepted for Membership

If you turn in your Application TODAY and are accepted for membership, you’ll receive a FREE Bonus Manual:

“How to Clone Your ‘A’ Clients by Asking for Favorable Introductions Instead of Begging for Referrals!”

– A $197 Value!

BONUS!Clone Your “A” Clients Manual

How to Grow and Protect Your Wealth – Even When Stocks, Real Estate, and Other Investments Tumble...

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