FEG INSURANCE MARKETING

RETIREMENT: HOW IT WORKS

Where do most people save for Retirement?

The tax treatment of the products discussed within this presentation are based on our current understanding of tax laws, which are subject to change.

Such information is presented for educational purposes only, and should not be relied upon as professional tax

advice. WE DO NOT GIVE TAX OR LEGAL ADVISE.

You Need to Know…

IS YOUR IRA/401(k) UNDER WATER? “The ugly truth, is that the 401(k) is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our Retirement Reserves. Oct 9th, 2009

What if there was a way to “OPT OUT” with your Retirement Savings?

An “ordinary” American household will pay, on average, nearly $155,000 over their lifetime in total fees.

COULD THERE BE A BETTER WAY?

“We live in a World of Financial Noise. I am shocked at the overwhelming Lack of Understanding in the entire Financial Industry about how Money Works”

WE HAVE A BETTER WAY!

THERE IS A BETTER WAY “Sending the same contribution, over the same period of time, with the same Stock Market assumptions to an IUL will increase the efficiency of your money by 300%. Each $1,000/month can return the same income as $3,000/month put into a 401K, IRA or TSA ”

Richard G Hinderer, CLU

WE HAVE A BETTER WAY

UNCERTAIN TAX RATES

US Federal Deficit close to $16+ TrillionUS Federal Deficit close to $16+ Trillion

National Debt Increasing at $4.12 Billion a National Debt Increasing at $4.12 Billion a dayday

Will future tax rates be Lower, The Same, or Higher?

TAX RISK

Four Phases ofFour Phases ofRETIREMENT PLANNINGRETIREMENT PLANNING

Contribution Accumulation Withdrawal Transfer

Tax Favore

d

Tax Favor

ed

Taxed Taxed

AfterTax

Tax Favor

ed

TaxFavor

ed

TaxFavor

ed

DOES IT MAKE SENSE TO DEFFER TAXES, AND DOES IT MAKE SENSE TO DEFFER TAXES, AND POSSIBLY PAY MORE LATER? POSSIBLY PAY MORE LATER?

WHAT IF YOU LIVE LIFE INSURANCE

INDEX UNIVERSAL Life Insurance You Don’t Need to Die to Use!

WHY DO YOU BUY LIFE INSURANCE?

FREEDOM EQUITY INSURANCE MARKETING

LIVING BENEFITS

In case you die! In case you LIVE!

LIVING BENEFITS: Does your life insurance policy do this?

Critical IllnessHeart Attack, Stroke, Cancer, Major Organ

Transplant, Blindness, Lou Gehrig's Disease, End Stage Renal Failure

Chronic IllnessUnable to perform 2 of the 6 daily living

activities or Cognitive Impaired Lifetime Income

Once activated, GURANTEED INCOME FOR LIFE & POLICY WILL NEVER LAPSE!!!

At NO ADDITONAL PREMIUM

Living Benefits…Critical IllnessThe Average Age of a Heart Attack, Stroke or Cancer is

43. Most WILL SURVIVE AND MANY WILL GO BANKRUPT!!!

Over 62.1% of all BK’s are due to Medical Expenses , 78% of them had Health Insurance.

Million’s American’s will SURVIVE a Heart Attack Stroke or Cancer and CANT EARN INCOME!

Most American’s will experience a Heart Attack, Stroke or Cancer by the age of 65. ARE YOU COVERED?

Why Should YOUR FAMILY Wait UNTIL IT IS TOO LATE?

Living Benefits…Chronic IllnessMost American’s cannot afford, or don’t want to

afford Long Term Care Insurance ( 90% ).

70% of people will require at least some type of Long Term Care.

Over 40% will need care in a Nursing Home, and the average stay is now 2.9 years.

At an average cost of $219 per day, that’s$6,570.00 / MONTH…where’s the money going to come from?

ARE YOU COVERED?

Why Should YOUR FAMILY Wait UNTIL IT IS TOO LATE?

IT’S YOUR CHOICE

Two hundred thousand dollars

Heart Attack, Stroke or Cancer

200,000

CRITICAL/CHRONIC ILLNESS

A CARD OR A CHECK

Up to $1,500,000 will vary by insurance carrier

IT’S YOUR CHOICE

Two hundred thousand dollars

Heart Attack, Stroke or Cancer

200,000

CRITICAL/CHRONIC ILLNESS

IS YOUR IRA/401K or CURRENT LIFE INSURANCE

POLICY GOING TO TAKE CARE OF YOU?

Up to $1,500,000 will vary by insurance carrier

THE ULTIMATE LIVING BENEFIT Retirement Income

Are you Concerned about OUTLIVING YOUR INCOME, 401K FEE’s, and MARKET RISK DURING DISTRIBUTION? YOU SHOULD BE!

Will Social Security be there? What will the MULTI TRILLION DOLLAR DEFICIT DO TO OUR ECONOMY?

Are you interested in an Income THAT YOU CANNOT OUTLIVE…GUARANTEED?

Retirement Income Security

IT’S YOUR CHOICE

LIFE TIME INCOME GUARANTEED

??????YOUR… RETIREMENT

Your Income… FULLY TAXED at Retirement?

Retirement Income Check…Guaranteed?

THE POWER OF INDEXING

INDEX UNIVERSAL LIFE… GAINS LINKED TO THE S&P, WITHOUT THE RISK…TOO

GOOD TO BE TRUE?

Revolutionary Life Insurance You Don’t Need to Die to Use!

SafetyGuaranteed not to Lose Guaranteed not to Lose Annual Compounding, No Downside RiskAnnual Compounding, No Downside Risk

Investment/Market RiskSubject to Gain or LossSubject to Gain or LossRisk of Loss for the hope of High Non-Risk of Loss for the hope of High Non-

Guaranteed Rates of ReturnGuaranteed Rates of Return

WHAT IF YOU COULD HAVE THE WHAT IF YOU COULD HAVE THE BEST OF BOTH WORLDS?BEST OF BOTH WORLDS?

ARE YOU WILLING TO TAKE A ARE YOU WILLING TO TAKE A RISK WITH YOUR RETIREMENT?RISK WITH YOUR RETIREMENT?

INDEX UNIVERSAL LIFE:“THE GREATEST WEALTH ACCUMULATION VEHICILE

OF OUR TIME” DOUG WARREN

A Solution to Fit any Budget!!!

Index U/L GUL Term

Income Tax Free D/B Income Tax Free D/B

Critical Illness Critical Illness

Chronic Illness Chronic Illness

INCOME AT RETIREMENT NO INCOME

YOU OWN IT/OVERFUND YOU OWN IT

Income Tax Free D/B

Critical Illness

Chronic Illness

CONVERTIBLE

YOU RENT IT

A SOLUTION FOR EVERY FAMILY

Withdrawals may be subject to surrender penalties imposed by the company. Amounts withdrawn may also be subject to tax liability or tax penalties. Partial surrenders and loans may affect policy values and death benefits.

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

Life insurance products are products of the insurance industry and are not guaranteed by any bank, federal agency, nor insured by the FDIC.

FEG INSURANCE MARKETINGDISCLOSURES