Jun 20, 2015
What We do . . .What We do . . .
The Resource Center is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth through:
• Seminar Marketing• Professional Development• Professional Coaching• Product Placement Coaching• Sales Skills Training• Qualified Leads• Helping you take control of your career• We will help you double & triple your income
Meet Jim Brown…Meet Jim Brown…
• 26 years in the field…selling annuities, life insurance and securities products• Chartered Life Underwriter• Chartered Financial Consultant• 10 years as a sales manager / business coach / business development• Vice President of Sales and Recruiting at The Resource Center.
What can Brown (Jim Brown) do for you?
For 2008…What is YourGOAL As a Financial Advisor?
You know you can get there...
Getting to the Next Level!Getting to the Next Level!
• $200,000• $300,000• $400,000
• $500,000 and more! …in annual income
Who We Represent . . .Who We Represent . . .
The Resource Center represents these and other insurance companies:
• LSW (Life Insurance Company of the Southwest)• ING• Allianz• Transamerica• American National• Washington National• Investors Insurance• Old Mutual / F&G• American Equity• AIG
For . . .• Annuities• Life Insurance• Long Term Care Insurance
To Protect and Grow Your Client’s Wealth
Recommended Products . . .Recommended Products . . .
We can recommend any product. So why LSW?
They have just released new products and riders!
National Life Group
$19.2 Billion Assets$55 Billion Insurance In ForceRated A+ (S&P), A (Best’s)Career and Independent DistributionRelationship-based Companies
LSW is part of:
CAPTURE THE WINNINGS!DOW JONES INDUSTRIAL AVG - 1940-1960
CAPTURE THE WINNINGS?!?DOW JONES INDUSTRIAL AVG - 1960-1980
CAPTURE THE WINNINGS!DOW JONES INDUSTRIAL AVG – 1980-2000
YESTERDAY & TODAY
Dow Jones 1960-1980Dow Jones 1960-1980 Dow Jones 1995-PresentDow Jones 1995-Present
Proven leader in all aspects of the fixed and indexed annuity marketplace!
•Since 1996 – One of the first companies in the industry to develop an interest indexed annuity; First in flexible premium design
•Financial stability & strength
•Integrity in design and promotes outstanding marketing practices
•Quality Service
•Published Renewal Rate History
Why LSW?
Guaranteed Lifetime Income Rider
• Guarantees a steady stream of income for the rest of your life
• Leaves you in control of your money, so you have access to it when you need it the most
• Protects your retirement savings and transfers as much of it as possible at death
• Optional living benefit; issue age 40 and older
• Rider allows you to take an annual Guaranteed Withdrawal Payment for life
• Can elect the rider’s Guaranteed Withdrawal Payment at attained age 60 or older and after the first policy year
• Enhanced Benefit also is available at attained age 60 or older and the policy has been in-force for five years
How Does the Rider Work
To qualify:
• Only available on life of the Annuitant
• Must be unable to perform, without substantial assistance from another individual, at least 2 of the 6 ADLs due to a permanent loss of functional capacity
• Don’t have to be in a long-term care facility to qualify
• Subject to verification by independent health care professional
If the Annuitant qualifies before electing payments, the Guaranteed Withdrawal Payment will be significantly higher
The Enhanced Benefit
Rider Charge
Charge is .40% of Policy Accumulation Value for first 10 Policy years beginning on the 1st Policy Anniversary
Charge is .50% of Policy Accumulation Value for Policy years 11+
Charge is frozen at .40% if election of Guaranteed Withdrawal Payment occurs before the 11th Policy Year
LSW uses a formula to determine your payment from your annuity…
Income “Calculation” Base
X Guaranteed Withdrawal Percentage
= Guaranteed Withdrawal Payment
How Does the Rider Work?
Step 1: Income “Calculation” Base
Before Election:Increases at the annual Roll-Up Rate of guaranteed up to 20 years!
Income “Calculation” Base also will increase by the amount of any immediate interest credit and/or Bonus Accumulation Value
Step 1: Before Election - Automatic Reset of Income Calculation Base: 5th, 10th, 15th, 20th, election
Years of Income Deferral
Income “Calculation” Base
Hypothetical Policy Accumulation Value*
1 107,000 $105,000
5 140,225 $140,500
Reset @ 140,500
140,500 $140,500
Guaranteed Withdrawal Payment is $10,819 a
year for life
$100,000LSW
Indexed Annuity & GLIR
$100,000LSW
Indexed Annuity & GLIR
Age 55 Age 65
Guaranteed Withdrawal Payment for Life
Enhanced Benefit Withdrawal Payment is
$16,720 a year for life
$100,000LSW
Indexed Annuity & GLIR
$100,000LSW
Indexed Annuity & GLIR
Age 55 Age 65
Enhanced Benefit for Life
2 of 6 ADLs
Step 2: Guaranteed Withdrawal Percentage Table
Annuitant’s Attained Age at Time of Election
Single Life Income
Percentage
Enhanced Benefit Joint Life Income Percentage
60 5.00% 8.00% 4.50%
61 5.10% 8.10% 4.60%
62 5.20% 8.20% 4.70%
63 5.30% 8.30% 4.80%
64 5.40% 8.40% 4.90%
65 5.50% 8.50% 5.00%
66 5.60% 8.60% 5.10%
67 5.70% 8.70% 5.20%
68 5.80% 8.80% 5.30%
69 5.90% 8.90% 5.40%
70 6.00% 9.00% 5.50%
71 6.10% 9.10% 5.60%
72 6.20% 9.20% 5.70%
73 6.30% 9.30% 5.80%
74 6.40% 9.40% 5.90%
75 6.50% 9.50% 6.00%
76 6.60% 9.60% 6.10%
77 6.70% 9.70% 6.20%
78 6.80% 9.80% 6.30%
79 6.90% 9.90% 6.40%
80 7.00% 10.00% 6.50%
81 7.10% 10.10% 6.60%
82 7.20% 10.20% 6.70%
83 7.30% 10.30% 6.80%
84 7.40% 10.40% 6.90%
85 7.50% 10.50% 7.00%
86 7.60% 10.60% 7.10%
87 7.70% 10.70% 7.20%
88 7.80% 10.80% 7.30%
89 7.90% 10.90% 7.40%
90 and above 8.00% 11.00% 7.50%
Innovations – LSW’s Guaranteed Lifetime Income Rider
• 7 % annual Roll-Up Rate on the Income “Calculation” Base; guaranteed for up to 20 years
• Enhanced Benefit when client cannot perform 2 out of six ADLs (3 percent additional withdrawal percentage added to guaranteed withdrawal percentage)
• Automatic reset of the Income Base takes the higher of the Accumulation Value versus the Income Base
• Guaranteed Withdrawal Percentage – 5% at age 60, growing by 0.10% per year until age 90 (8%)
Innovations – LSW’s Guaranteed Lifetime Income Rider
• Guaranteed Withdrawal Payments may be increased – Step-up calculation using attained age percentages
• Joint Withdrawal Option - Only a .50% reduction to Single life percentages
• Rider is Commissionable - Commission Paid on Single Premium
• Rider charges are fixed at issue (doesn't change on reset of Income Base)
• Guaranteed Withdrawal Payments made from Declared Account = Interest to date of withdrawal
• Guaranteed Withdrawal Payments may be paid monthly, quarterly, semi-annually, and annually
Issue #6 Healthcare Crisis
• Americans 45 and up consider healthcare the single most
critical national issue and expense
• 69% of people age 65 and older will need some type of
long-term care: 37% will enter a nursing home
• Current long-term care costs range between $150 to $250 per day…that’s $55,000 to $90,000 per year
• 2010 – Annual Healthcare expenditures will be $8,704 per
person
Issue #6 Healthcare Crisis
• How are you accumulating enough assets to pay for future
healthcare expenses for you and your family?
• Do you have the right medical insurance coverage?
An LSW Indexed Annuity with the SELI option may allow you to retain your wealth and protect you accumulation value from creditors and in some cases not force you to spend-down your assets to qualify for Medicaid
Issue #7 Investor Blunders
• Greed…In an effort to hit a homerun, we take risks. Risks can reap big rewards, but usually leads to low overall returns.
• From 1984 to 2003 S&P Index posted annual returns of nearly 13%.
• During same period, average stock market investor only earned 3.51%.
• WHY? FEAR…Buy and Sell at the wrong time.
Issue #7 Investor Blunders
• March 10, 2000, NASDAQ reached 5,132
• Oct. 10, 2002, fell to 1,108
• Hypothetical $100,000 invested would have been worth
$21,590, a reduction of 78%. Requires 463% growth to
break even
• Assuming 8% growth, it would take nearly 20 years to
recoup the money
Issue #7 Investor Blunders
• Is your retirement money protected from market risk?
• What is your risk tolerance and timeline for retirement?
An LSW Indexed Annuity is an excellent vehicle for those people who do
not want to risk their retirement savings and not a long-time to make
up loss
• Male Age 66
• Retired from GM 1 Year Ago
• Had $500,000 Invested in Money Management Program with a Firm
• Portfolio down $100,000
A RECENT CLIENT
t PROTECT YOUR PORTFOLIO
Fully Invested in Market a la S&P
$400,000 Invested in Mutual Fund$200,000 in Mutual Fund$200,000 Indexed
IF the S&P Goes Down 50%IF the S&P Goes Down 50%
Diversified to Less Risk
$200k Mutual Fund = $100k$200k Indexed = $200kTotal Holdings = $300k
$400k Mutual Fund = $200k
Total Holdings = $200k
IF the S&P Goes Up 33%IF the S&P Goes Up 33%
$200 Mutual Fund = $267k$200 Indexed = $252k
Total Holdings = $519k
$400k Mutual Fund = $533k
Total Holdings = $533k
Difference of $14k – But Without The RiskDifference of $14k – But Without The Risk
What We do . . .What We do . . .
The Resource Center is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth
• Seminar Marketing• Professional Development• Professional Coaching• Product Placement Coaching• Sales Skills Training• Qualified Leads• Helping you take control of your career• We will help you double & triple your income
For 2008…What is YourGOAL As a Financial Advisor?
You feel you can get there...
Getting to the Next Level!Getting to the Next Level!
• $200,000• $300,000• $400,000
• $500,000 and more! …in annual income
Why Haven’t You Been Reaching Your Goals?Why Haven’t You Been Reaching Your Goals?
You’re doing it all wrong!
If you really look at the marketing materials sent to you . . .the answer is clear
Everybody Else Appears to Be Successful . . . Everybody Else Appears to Be Successful . . .
• E-Mail• Faxes• Postcards & Mail LATEST GREATEST STUPENDOUS
We want to believe . . . We’ll try anything to get us where we feel we should be . . . at the NEXT LEVEL!
Every day you receive . . .
But YOU?
My Future is Bright! . . .My Future is Bright! . . .
There’sNothingto It…But to
DO IT!
Life is Good!
Just a Few Situations?…Just a Few Situations?…
Getting LeadsScheduling
FirstAppointments
FirstAppointments
NoShows
No House at that Address
Person Scheduled Died 2 Years Agor
Great FirstAppointment!
I made 2 NewFriends Today!
My Spouse and IAre Going to Dinner
No Money…Already Lost in Market
I’mTired!
ClientBacked
Out!
Just a Few Situations?…Just a Few Situations?…
CAR REPAIRSCAR REPAIRSSPOUSESPOUSEKIDSKIDS
MAILMAILBILLSBILLSMARKETINGMARKETING
CREDIT CARDSCREDIT CARDSMORTGAGEMORTGAGE
“You’ve Got to
Get a Real Job!”“You’ve Got to
Get a Real Job!”
SomeFinancial Planner I Am . . .
If My ClientsActually KnewOur Finances
IRSProblems
… Are you feeling a bit overwhelmed about now?
What Do I Need to Do?What Do I Need to Do?
How Do I Want Potential Clients to See Me?
“The Ultimate Financial Advisor” • They Need to Know I Care • They Need to Know I Know
• They Need to Know I’m Going to Be Around
You Need to Position Yourself for Success!
• “What Do I Do?”
Let Us Show You What to Do!
= TRUST!
3 Participation Levels . . .3 Participation Levels . . .
EXECUTIVE CLUB
ASSOCIATE VICE PRESIDENT
REGIONAL VICE PRESIDENT
The Resource Center offers Advisors three levels of professional engagement and support
TRC Participation Level . . .TRC Participation Level . . .
•Entry Level
•Limited Marketing
• Access to a Regional Vice President
• Regional Sales Rallies
• Around $1,000,000 in annual Fixed Annuity production
EXECUTIVE CLUB
TRC Participation Level . . .TRC Participation Level . . .
ASSOCIATE VICE PRESIDENT
• Enrolled in AESI CWSS program
• Customized Marketing Program
•$2-4,000,000 in annual Fixed Annuity production
• $2-4,000,000 in Variable Annuity and Mutual Fund business
• Regional Sales Rallies
• Website development—Full community Promotion
TRC Participation Level . . .TRC Participation Level . . .
REGIONAL VICE PRESIDENT
• Fully engaged in The Resource Center marketing program• Enrolled in AESI CWSS program• 30 Programs per year: (30 Buying Units per program = 20 appointments = 7 sales X 30 = 210 sales X $50,000 in premium = $10,000,000)
• $10,000,000 in Fixed Annuity production• $10,000,000 in Variable Annuity business• $10,000,000 in Mutual Fund business• 3-6 Sub-Producers• 2-4 Staff Employees• Regional Sales Rallies (Exec. Club, CPAs, PC, Financial Planners)
TRC Participation Level . . .TRC Participation Level . . .
• Appoint with TRC today
• Submit first piece of business and we will give you
100 FREE leads. A qualified lead is:
• Over age fifty• Homeowner• $100,000 household income• $250,000+ investable wealth
TRC will send out Direct mail postcards
Phone scripts
Door knock appointment script
EXECUTIVE CLUB QUICK START Marketing Plan
Quick Start Steps… Quick Start Steps…
Step 1: Appoint with The Resource Center
Step 2: Submit some Business
Step 3: Receive 100 FREE LEADS
Step 4: 10 times = 1000 LEADS
Step 5: YOUR MARKETING AREA
1000 leads yields at least 60 salesat average $60,000 ea. in premium =
$3,600,000 @ 8% commission =
$280,000 income to you.
For agent use only – not for use with the public.
Life Insurance Company of the SouthwestLife Insurance Company of the Southwest
LSW Solutions for Life
For agent use only – not for use with the public.
The Future is Now
• 78 million Baby Boomers (1946-1964) heading to retirement
• 2007 -- Now more seniors than teenagers in America
• Fastest growing population segment is 100 +
• Estimated 2010 to 2030 … 65 and older population is expected to spike 75% to more than 69 million
• If married and live to age 65 … 47% chance that one of you will live to age 95
For agent use only – not for use with the public.
Critical Illness Impact
In 2007 -•1.2M American will have a heart attack*•700,000 Americans will have a stroke*•1.4M will be diagnosed with cancer**
How many will be forced to declare BANKRUPTCY because of a medical
hardship?
*source American Heart Association
**source American Cancer Society
For agent use only – not for use with the public.
The End of the Money Trail
• Only 44 million Americans covered by pension
plans
• Number of corporate pension plans have
dropped from 114,000 in 1985 to fewer than
28,000 in 2006
• Many plans are seriously under funded and
near default
For agent use only – not for use with the public.
Disability
Nearly one in three Americans ages 35-65 will become disabled for more than 90 days.1 More than 20 million Americans suffer disabling injuries each year.2
Consumer Financial Concerns
Retirement Almost half of Americans have saved less
than $50,000 (46%), and 15% say they have saved nothing towards retirement3
Accelerated Living
Benefits
Life Insurance
Over half of women and nearly one-third of men 65 and older will stay in a nursing home sometime during their lifetime4
48 Million U.S. households are underinsured5
1 2005 Field Guide to Estate Planning, Business Planning & Employee Benefits, by Donald Cady2 National Safety Council, Injury Facts, 2004 edition3 2002 Retirement Confidence Survey – American Savings Education Council4 The Risk of Nursing Home Use Later in Life, Medical Care 28(10): 952-62 5 AAA Business Wire - September 13, 2006
For agent use only – not for use with the public.
**
**
*
*
* Policy loans and withdrawals and the use of living benefits riders reduce the policy’s cash value and death benefit and may result in a taxable event..
**Riders are optional, may require an additional premium and may not be available in all states.
For agent use only – not for use with the public.
SecurePlus Paragon ProspectsIndividuals
Tax-deferred cash accumulation
Retirement Income
Funding Education Costs
Acceleration of the death benefit in cases of terminal, chronic or critical illness through the ABR riders
Higher-End Death Protection Sales
1035 Exchanges (VUL to IUL)
Long-term Care Expense
For agent use only – not for use with the public.
Business Market
Buy-Sell Agreements
Executive Bonus Plans
Non-Qualified Deferred Compensation
Key Employee Protection
Premium Financing
SecurePlus Paragon Prospects
For agent use only – not for use with the public.
Estate Planning
Management of Estate Taxes
Settlement Costs
Probate Expense or Estate Administration Costs
Liquidity to Protect Assets from Forced Sale
SecurePlus Paragon Prospects
For agent use only – not for use with the public.
Paragon Introduction
Issue ages: 0 - 85 (age nearest)Minimum Face: $100,000
Minimum APB Rider: $25,000Maximum APB: Nine times base faceMaximum Face: Talk to usPremium Bands: $250,000 & $1,000,000
Approved in all states EXCEPT: MT, NJ, NY, PA, HI, MA, MS
*Additional Protection Benefit Rider. Riders are optional, may require an additional premium and may not be available in all states.
For agent use only – not for use with the public.
Paragon Introduction
Minimum Premium: $25.00 / month
Surrender Charge: 10-year declining charge
Policy Loans: Variable and fixed available after the first policy year
Withdrawals: Available after the first policy year
Minimum Interest: 2.5%, available at death or full surrender
For agent use only – not for use with the public.
Paragon Introduction
Rate Classes:
Elite Pref. Non-Tobacco (issue ages 20-75)
Preferred Non-Tobacco (issue ages 20-85)
Standard Non-Tobacco (issue ages 0-85)
Preferred Tobacco (issue ages 20-75)
Standard Tobacco (issue ages 20-85)
Standard Non-Tobacco for insureds ages 0-19
For agent use only – not for use with the public.
Paragon Introduction
1035 Exchanges: Available with loans of up to 50% of the gross transfer amount
Policy Fee: $5 per month
Premium Load: 6% of premium
Expense Charges: Based on age, sex and rate class
Mortality Basis: 2001 CSO
For agent use only – not for use with the public.
Paragon Introduction
Interest Crediting – 1 yr term, annual reset
• Fixed Interest• Point-to-Point – Cap focus• Point-to-Point – Participation Rate focus• Point-to-Point – No Cap• Point-to-Daily Average
For agent use only – not for use with the public.
Strategy Cap Par Max Illus Rate
Point-to-Point Cap Focus 16% 100% 9.7%
Point-to-Point PR Focus 11.5% 140% 8.4%
Point-to-Point No Cap None 75% 9.9%
Point-to-Average No Cap None 140% 9.3%
Illustrated Rates for Paragon
For agent use only – not for use with the public.
Low Net Cost Loan ExampleAssumptions: $200,000 death benefit policy over 10 years old with a cash value of $50,000 earning average indexed interest of 7.5% and a $10,000 loan is requested with a 6% variable loan rate.
Cash value:
$40,000 @ 7.5%
In 10 additional years cash value = $82,441
Collateral account:
$10,000 @ 6%
In 10 additional years collateral account = $17,908
Loan debt:
$10,000 @ 6%
In 10 additional years loan debt = $17,908
Cash value available for additional loan or surrender is $82,441
For agent use only – not for use with the public.
Variable Net Cost Loan ExampleAssumptions: $200,000 death benefit policy over 10 years old with a cash value of $50,000 earning average indexed interest of 7.5% and a $10,000 loan is requested with a 6% variable loan rate.
Cash value:
$50,000 @ 7.5%
In 10 additional years cash value = $103,051
Loan debt:
$10,000 @ 6%
In 10 additional years loan debt = $17,908
Cash value available for additional loan or surrender is $85,143
For agent use only – not for use with the public.
Accelerated Benefits Rider
ABR 1 – Terminal Illness• Resulting in death within two years*• Lump-sum distribution (discounted from
death benefit)• No additional premium cost• 85% to 90% of the face value
Form series 8052(0798)
*One year in PA, CT or VT. Please see the ABR disclosure forms for more information.
For agent use only – not for use with the public.
Accelerated Benefits Rider
ABR 2 – Chronic Illness
• Unable to perform 2 of 6 ADLs or cognitive
impairment;
• Max. monthly benefit is 2% of the face value
of the policy, discounted by age, face amount,
cash value accumulation and other factors –
approximately 80%. Payments will last
approximately 50 months.
Form series 8095(0399)*Please see the ABR disclosure forms for more information.
For agent use only – not for use with the public.
Accelerated Benefits Rider
ABR 2 – Chronic Illness (cont’d)• 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
Form series 8095(0399)
For agent use only – not for use with the public.
Accelerated Benefits Rider
ABR 3 – Critical Illness• Covered Illnesses
• Heart Attack• Stroke• Cancer*• End stage renal failure*• Major organ transplant• ALS (Lou Gehrig’s disease)*• Blindness
Form series 8165(0703)
*Upon diagnosis. Please see the ABR disclosure forms for more information.
For agent use only – not for use with the public.
Extension of Benefits Rider
• Provides LTC benefits after ABR2 or LTC Rider benefits have been exhausted this will keep paying you…
• Max. monthly benefit of 1% of initial face amount for nursing home or home health care or .5% for adult day care
• Funds must be used for long-term care costs• Benefits are paid for life as long as insured
remains eligible• Issue ages 0 - 70
Form series 8097(0899)
For agent use only – not for use with the public.
Additional Protection Benefit Rider
• Provides additional permanent coverage• Minimum face amount - $25,000• Maximum blend – 9 times base• Non-commissionable• Maximum ABR acceleration – 50% of
APB face amount at time of initial acceleration
Form series 8404(0606)
For agent use only – not for use with the public.
Overloan Protection Rider• Prevents a potential tax liability if a policy is in
danger of lapse due to loans• Creates a “paid up” policy• To qualify:
• Age 75 or greater• Policy must be in force at least 15 years• Loans at least equal to 95% of policy’s accumulated value• Policy must be in DEFRA corridor• Not available on CVAT
• No additional cost until rider is exercised• Policyholder will be notified when eligibility
requirements are met
Form series 8315(0206)
For agent use only – not for use with the public.
Be Like Mike!
Policy Year Age
Annual Outlay
GuaranteedCash Value
GuaranteedDeath Benefit
CurrentCash Value
CurrentDeath Benefit
AnnualIncome
1 46 $18,000 $0 $976,526 $0 $976,526 $0
2 47 $18,000 $0 $976,526 $0 $976,526 $0
13 58 $18,000 $156,835 $976,526 $282,171 $976,526 $0
14 59 $18,000 $167,078 $976,526 $322,740 $976,526 $0
15 60 $0 $113,060 $929,844 $302,561 $929,844 $43,957
16 61 $0 $55,134 $880,267 $281,856 $880,267 $43,957
45 90 $0 $0 $0 $719,443 $960,759 $43,957
50 95 $0 $0 $0 $1,733,479 $1,808,936 $43,957
51 96 $0 $0 $0 $2,042,484 $2,125,101 $43,957
52 97 $0 $0 $0 $2,393,305 $2,483,754 $43,957
53 98 $0 $0 $0 $2,790,797 $2,889,811 $43,957
54 99 $0 $0 $0 $3,286,655 $3,395,036 $0
55 100 $0 $0 $0 $3,843,804 $3,962,438 $0
Total Premium Paid $252,000 Total Income From Loans $1,714,323
SecurePlus Paragon, male 46 preferred, average interest of 9.7%
For agent use only – not for use with the public.
A Long Term Saver
SecurePlus Paragon, male 30 preferred, average interest of 9.7%
Policy Year Age Annual Outlay
GuaranteedCash Value
GuaranteedDeath Benefit
CurrentCash Value
CurrentDeath Benefit
AnnualIncome
1 30 $7,200 $0 $785,317 $0 $785,317 $0
2 31 $7,200 $0 $785,317 $0 $785,317 $0
30 59 $7,200 $145,063 $785,317 $790,358 $1,059,080 $0
31 60 $0 $140,689 $785,317 $865,472 $1,125,113 $0
32 61 $0 $0 $0 $811,497 $1,076,846 $128,227
56 85 $0 $0 $0 $613,315 $1,028,238 $128,227
57 86 $0 $0 $0 $769,030 $1,222,371 $128,227
58 87 $0 $0 $0 $953,161 $1,448,242 $128,227
59 88 $0 $0 $0 $1,168,365 $1,708,755 $128,227
60 89 $0 $0 $0 $1,417,729 $2,007,278 $128,227
61 90 $0 $0 $0 $1,704,482 $2,347,335 $128,227
70 99 $0 $0 $0 $8,131,155 $8,419,889 $128,227
71 100 $0 $0 $0 $9,576,809 $9,892,861 $0
Total Premium paid $216,000 Total Income From Loans $5,000,853
For agent use only – not for use with the public.
A Last Minute Saver
SecurePlus Paragon, male 55 preferred, average interest of 9.7%
Policy Year Age
Annual Outlay
GuaranteedCash Value
GuaranteedDeath Benefit
CurrentCash Value
CurrentDeath Benefit
AnnualIncome
1 55 $50,000 $16,811 $801,323 $19,593 $801,323 $0
2 56 $50,000 $51,807 $801,323 $60,532 $801,323 $0
3 57 $50,000 $97,433 $801,323 $115,629 $801,323 $0
4 58 $50,000 $143,840 $801,323 $175,440 $801,323 $0
5 59 $50,000 $191,095 $801,323 $240,483 $801,323 $0
6 60 $0 $157,668 $768,006 $226,345 $768,006 $31,372
7 61 $0 $121,726 $732,623 $211,339 $732,623 $31,372
31 85 $0 $0 $0 $192,987 $304,143 $31,372
41 95 $0 $0 $0 $1,236,316 $1,290,160 $31,372
42 96 $0 $0 $0 $1,456,752 $1,515,706 $31,372
43 97 $0 $0 $0 $1,707,023 $1,771,564 $31,372
44 98 $0 $0 $0 $1,990,592 $2,061,245 $31,372
45 99 $0 $0 $0 $2,344,346 $2,421,684 $0
46 100 $0 $0 $0 $2,741,829 $2,826,484 $0
Total Premium Paid $250,000 Total Income From Loans $1,223,508
For agent use only – not for use with the public.
For agent use only – not for use with the public.
Q&A (Questions and Answers)