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The edge

No other IUL product produces more cash value! Exclusive

bryandaly
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The edge

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  1. The Highest Income IUL The New Cutting Edge in Retirement Income For Training Purposes ONLY

  2. No other IUL product produces more cash value! Exclusive No Competition For Training Purposes ONLY

  3. A Better Way to Save Traditional Better Method Fixed 4.5% Bank 1% to 2.5% Real Estate Real Estate No Cap Less 1.5% fee +.25% Stocks S&P Index +.25% 13.5% Cap Gold Gold 14% Cap +.25% Taxable or Tax Free Potential Downward Spiral Tax Free & Living Benefits Max Loan Rate Guarantee is 4.5% Question… Where would you rather be?

  4. A 16 Year Look Back Historical Performance S&P 500 Index IUL Indexed to S&P 500 -14% cap and 0% Floor “Edge” IUL Indexed to DJRE100 - No Cap 1.5% spread For Training Purposes ONLY

  5. 401k IRA S&P 500 Unmanaged Index 16 year History 95% of Mutual Funds fail to beat The S&P 500 For Training Purposes ONLY

  6. S&P 500 IUL 0% Floor 14% Cap 16 year History

  7. Dow Jones Real Estate Index NO CAP 1.5% Spread .25% Floor 16 year History

  8. 401K/IRA S & P Index IRS Sec.7702 Indexed to S & P 500 $317,756 14% Cap 0% Floor IRS Sec.7702 IRS Sec.7702 Indexed to Indexed to Dow Dow Jones Jones R/E100 $460,684 No Cap. 1.5% Spread 0.25% Floor R/E100 $167,477 No Cap No Floor VS VS Fees 3% IUL COST -$51,598 Receive Death Benefits & Living Benefits VS Taxes 20% -$23,175 VS TAX FREE VS $317,756 VS Projected Spendable $92,703 $460,684 Experts suggest a 4% safe withdrawal in retirement to avoid running out of money. 4% 4% of = $3,600/year = $3,600/year of $92,703 $92,703 15% of $317,756 = $47,000/year 20% of $460,684 =$92,000/year VS VS

  9. Illustration 38 female non-tobacco $500 month from age 38-age 62 25 years Contributes $150,000 For Training Purposes ONLY

  10. 401k IRA  38 year old female  Saves $500 a month  For 25 years until age 63  Earns 8% yr less 3% fees  Balance at age 63 $300,000  $300,000 x 4%= $12,000 yr  Less Tax 40% per yr $4,800  Spendable $7,200 yr For Training Purposes ONLY

  11. S&P 500 Index IUL 14% Cap 0% Floor 38 female N/T $500 month From age 38 age 62 25 years Contributes $150,000 Withdrawals $65,000 year If lives to age 88 $1.6 million Tax Free & $547,000 DB For Training Purposes ONLY

  12. Nearly 10 times more income For Training Purposes ONLY

  13. “Edge” Dow Jones R/E No Cap IUL 15 times More than 38 female N/T $500 month From age 38- age 62 25 years Contributes $150,000 401K IRA Withdrawals $105,951 year 1.5 years If till age 88 $2.6 million Tax Free & $2.6 million DB For Training Purposes ONLY

  14. Projected Distribution $508,152 Target Premium $10,855 For Training Purposes ONLY

  15. S&P 500 Index IUL 14% Cap 0% Floor For Training Purposes ONLY

  16. The “Edge IUL” Zero Surrender Charges on Excess Over Target Starting from day one 10 years declining For Training Purposes ONLY

  17. 2014 Underwriting Decisions Made  79% As applied for  10% Other than as applied for  6% Decline  4% Withdrawn  1% Postpone Underwriting Customer Service For Training Purposes ONLY

  18. 2014 Underwriting Requirements  13% APS  18% Phone Interview  18 Days Average to Issued Paid Underwriting Customer Service For Training Purposes ONLY

  19. For Training Purposes ONLY

  20. For Training Purposes ONLY

  21. All information contained in this presentation is intended for general education and information use only and is not intended as a solicitation for buying or selling life insurance products. This presentation is for insurance agent training ONLY and it NOT to be used with the public The material in this presentation is not intended to give advice on tax planning, investments, real estate, accounting, estate planning, or financial planning but rather to provide education and information about a possible insurance opportunity. As with any business opportunity it takes time, and effort without any guarantee of any financial return. Assumptions are made in several hypothetical examples to help explain concepts and are for illustrative purposes only and should in no way be construed as any type of guarantee. Past performance is also not a guarantee of future results Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state We do not provide tax or legal advice, please consult your advisors For Training Purposes ONLY

  22. Projected Distribution $174,926 /mo Projected Distribution $508,152 /mo Target Premium $4,767 Target Premium $10,855 Bottom Line! For Training Purposes ONLY

  23. Thank You For Training Purposes ONLY

  24. For Training Purposes ONLY

  25. Average rate of Return $167,477 VS 5.04% 7.67% $317,756 $150,279 IUL COST Receive: Benefits 3% yr VS Fees $51,598 20% VS TAX FREE TAXES $23,176 VS Spendable Spendable $92,703 $317,756 Experts suggest a 4% safe withdraw in retirement – to avoid running out of money? 4%... $92,703 4%... $92,703 $3,600 $3,600 year 15%... $317,756 $47,000 year VS year

  26. For Training Purposes ONLY

  27. For Training Purposes ONLY

  28. For Training Purposes ONLY

  29. For Training Purposes ONLY

  30. For Training Purposes ONLY

  31. For Training Purposes ONLY

  32. For Training Purposes ONLY

  33. For Training Purposes ONLY

  34. 2014 numbers 18 days issued paid For Training Purposes ONLY

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