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Cash Value Insurance

Cash Value Insurance. The R ight C oncept Insurance Protection and Savings Vehicle Short term and Long term plan The Wrong Product Overpriced Underinsured Excessive Fees Low Returns Borrow Your Own Money No survivorship. Client Example. Physicians’ Life - Whole Life

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Cash Value Insurance

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  1. Cash Value Insurance • The Right Concept • Insurance Protection and Savings Vehicle • Short term and Long term plan • The Wrong Product • Overpriced • Underinsured • Excessive Fees • Low Returns • Borrow Your Own Money • No survivorship

  2. Client Example • Physicians’ Life - Whole Life • $90/month (premium) • $20,000 (death benefit) • $2,000 (cash value) • Buy Term and Invest the Difference • Age: 60 • $20,000 (death benefit) • $43/month (premium) • Invest $50/mo for 20 years @ 6% - $23k

  3. How Life Works Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed

  4. INSURANCE MORTGAGE BILLS DEBT TAXES GIVING SAVING How Does Primerica Help Families? Dad $30,000 Household Income $60,000 Mom $30,000 Where does it all go?

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