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PREMIER FINANCIAL ALLIANCE

PREMIER FINANCIAL ALLIANCE. FINANCIAL PLANNING PRESENTATION. The Road To Financial Freedom. THREE ENEMIES OF YOUR MONEY . TAXES. THREE ENEMIES OF YOUR MONEY . INFLATION. THE SILENT KILLER OF YOUR MONEY. THREE ENEMIES OF YOUR MONEY . PROCASTINATION. HIGH COST OF WAITING.

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PREMIER FINANCIAL ALLIANCE

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  1. PREMIER FINANCIAL ALLIANCE FINANCIAL PLANNING PRESENTATION

  2. The Road To Financial Freedom

  3. THREE ENEMIES OF YOUR MONEY TAXES

  4. THREE ENEMIES OF YOUR MONEY INFLATION THE SILENT KILLER OF YOUR MONEY

  5. THREE ENEMIES OF YOUR MONEY PROCASTINATION HIGH COST OF WAITING

  6. Age 8% Money Doubles Every 9 Years 29 $10,000 38 $20,000 47 $40,00056 $80,000 65 $160,000 Age 12% Money Doubles Every 6 Years 29 $10,000 35 $20,000 41 $40,00047 $80,000 53 $160,000 59 $320,00065 $640,000 Age 4% Money Doubles Every 18 Years 29 $10,000 47 $20,000 65 $40,000 HOW MONEY WORKS Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double. The person with the most “doubles” wins. * These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

  7. TYPES OF MONEY

  8. INSURANCE MARKET PERMANENT LIFE INSURANCE (BUYING) TEMPORARY LIFE INSURANCE (RENTING)

  9. THREATS TO YOUR FINANCIAL SECURITY PREMATURE DEATH Households saying they own enough life insurance to replace their income for only 2.8 years. ILLNESS Every 40 seconds someone in the US suffers a stroke. Every minute an American will die from a coronary event1. . DISABILITY One in 5 working Americans suffers the effects of a disability for more than six months during his/her working career2. LONG-TERM CARE The U.S. Bureau of Census estimates that by 2060 as many as 24 million people will need long term care services. OUTLIVING YOUR MONEY People are living longer and longer, but they are saving less and less. Most Americans retire in poverty. 73.8% of Americans 65 and older retire on a combined income of private pension and Social Security of $10,000 less a year3. American Heart Association, American Stroke Association, Heart Disease and Stroke Statistics, 2008 Commissioners Group disability table and U.S. Bureau of Census Social Security Administration, 1996

  10. Accelerated Benefits Riders • ABR 1- Terminal Illness • Resulting in death within two years • (1 year in VT and PA) • Lump-sum distribution (discounted from death benefit) • Funds can be used for anything • No additional cost • No elimination period

  11. Accelerated Benefits Riders • ABR 2 - Chronically ill • Unable to perform 2 of 6 ADLs • Activities of Daily Living • Bathing • Continence • Dressing • Eating • Toileting • Transferring • Cognitive Impairment • Short-term or long-term memory impairment • Loss of orientation to people, places or time • Deductive or abstract reasoning impairment Max. benefit calculated as 24% of the net death benefit (actual payment is discounted) in any calendar year • Funds can be used for anything • No additional cost • Policy must be I/F for 2 years

  12. Accelerated Benefits Riders • ABR 3-Critical Illness • Heart Attack • Stroke • Cancer • End stage renal failure • Major organ transplant • ALS (Lou Gehrig’s disease) • Blindness • Lump-sum distribution (discounted from death benefit) after 30 days • Funds can be used for anything • No additional cost Form series 8165(0703)

  13. Life Event Story

  14. WHAT THE WEALTHY KNOW THAT MANY PEOPLE DON’T According to the Federal Reserve, the richest 10% Americans own over half of the tax-free investment gains built up in life insurance1. 50th to 90th percentile Own 38.4% Top 10% own 55.1% Has Life Insurance Has Life Insurance Families in bottom half of net-worth percentiles own just 6.5% of these tax-free assets! 1. Federal Reserve, 2007

  15. THE EQUITY INDEX CONCEPTWHOSE TIME HAS COME UPSIDE POTENTIAL When the stock market is up, an equity indexed product will return to you a portion of the stock market gain. DOWNSIDE PROTECTION However, during the years when the stock market is down, your equity indexed account will not lose any money. 09/1998-09/2010 . • The graph is based on actual S&P 500 data and actual credited rates for the period shown on one of our indexed annuity products. These results should not be an indication that Indexed Annuities will outperform the S&P 500. This simply demonstrates the effectiveness of Indexed Annuities in years when the S&P 500 was negative. • .

  16. Cash Value • Upside growth potential • Interest credit is tied to the S&P 500 Index • S&P 500 Index – A dynamic index that consists of the 500 largest companies in the US such as Exxon, Disney World, Walt Mart, Citigroup, Microsoft, McDonalds… etc. • Downside protection • Equity Index concept guarantees you could never lose your cash value due to a decline in the index • Accessibility • Tax free access after the 1st year via loans

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