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What We do . . . The Resource Center  is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth through: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Meet Jim Brown… ,[object Object],[object Object],[object Object],[object Object],[object Object],What can Brown (Jim Brown) do for you?
For 2008…What is Your GOAL As a Financial Advisor? You know you can get there... Getting to the Next Level! •   $200,000 •   $300,000 •   $400,000 •   $ 500,000  and more! … in annual income
Who We Represent . . . The Resource Center  represents these and other insurance companies: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],To Protect and Grow Your Client’s Wealth
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 Force Rated A+ (S&P), A (Best’s) Career and Independent Distribution Relationship-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  1960-1980 Dow Jones 1995-Present
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Why LSW?
Guaranteed Lifetime Income Rider ,[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],How Does the Rider Work
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],The Enhanced Benefit
Rider Charge Charge is .40% of Policy Accumulation Value for first 10 Policy years beginning on the 1 st  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 11 th  Policy Year
[object Object],[object Object],[object Object],[object Object],How Does the Rider Work?
Step 1: Income “Calculation” Base ,[object Object],[object Object],[object Object],[object Object]
Step 1: Before Election - Automatic Reset of Income Calculation Base: 5 th , 10 th , 15 th , 20 th , 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 for Life Guaranteed Withdrawal Payment is $10,819  a year for life $ 100,000 LSW Indexed Annuity  & GLIR Age 55 Age 65
Enhanced Benefit for Life Enhanced Benefit Withdrawal Payment is $16,720  a year for life $ 100,000 LSW Indexed Annuity  & GLIR Age 55 Age 65 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 ,[object Object],[object Object],[object Object],[object Object]
Innovations – LSW’s Guaranteed Lifetime Income Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Issue #6 Healthcare Crisis ,[object Object],[object Object],[object Object],[object Object]
Issue #6 Healthcare Crisis ,[object Object],[object Object],[object Object]
Issue #7 Investor Blunders ,[object Object],[object Object],[object Object],[object Object]
Issue #7 Investor Blunders ,[object Object],[object Object],[object Object],[object Object]
Issue #7 Investor Blunders ,[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],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% Diversified to Less Risk $200k Mutual Fund = $100k $200k Indexed = $200k Total Holdings = $300k $400k Mutual Fund = $200k Total Holdings = $200k 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 Risk
 
 
What We do . . . The Resource Center  is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
For 2008…What is Your GOAL As a Financial Advisor? You feel you can get there... 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? 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 . . .   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],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! . . . There’s Nothing to It… But to DO IT!   Life is Good!
Just a Few Situations?… Getting Leads Scheduling  First Appointments First Appointments No Shows No House at that Address Person Scheduled Died 2 Years Ago r Great First Appointment! I made 2 New Friends Today! My Spouse and I Are Going to Dinner No Money… Already Lost in Market I’m Tired! Client Backed Out!
Just a Few Situations?… CAR REPAIRS SPOUSE KIDS MAIL BILLS MARKETING CREDIT CARDS MORTGAGE “ You’ve Got to Get a Real Job!” Some Financial Planner    I Am . . . If My Clients Actually Knew Our Finances IRS Problems
…  Are you feeling a bit overwhelmed about now?
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 . . . EXECUTIVE CLUB ASSOCIATE VICE PRESIDENT REGIONAL VICE PRESIDENT The Resource Center  offers Advisors three levels of professional engagement and support
TRC Participation Level . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],EXECUTIVE CLUB
TRC Participation Level . . . ASSOCIATE VICE PRESIDENT ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
TRC Participation Level . . . REGIONAL VICE PRESIDENT ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
TRC Participation Level . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],EXECUTIVE CLUB QUICK START Marketing Plan
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 sales at average $60,000 ea. in premium = $3,600,000 @ 8% commission = $280,000 income to you.
 
 
Life Insurance Company of the Southwest LSW Solutions for Life
The Future is Now ,[object Object],[object Object],[object Object],[object Object],[object Object]
Critical Illness Impact ,[object Object],[object Object],[object Object],[object Object],[object Object],*source American Heart Association **source American Cancer Society
The End of the Money Trail ,[object Object],[object Object],[object Object]
[object Object],Consumer Financial Concerns ,[object Object],[object Object],[object Object],1  2005 Field Guide to Estate Planning, Business Planning & Employee Benefits, by Donald Cady 2  National Safety Council, Injury Facts, 2004 edition 3  2002 Retirement Confidence Survey – American Savings Education Council 4  The Risk of Nursing Home Use Later in Life, Medical Care 28(10): 952-62  5  AAA Business Wire - September 13, 2006 Disability Retirement Accelerated Living Benefits Life Insurance
** ** * * * 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.
SecurePlus Paragon Prospects ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SecurePlus Paragon Prospects
[object Object],[object Object],[object Object],[object Object],[object Object],SecurePlus Paragon Prospects
Paragon Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],*Additional Protection Benefit Rider.  Riders are optional, may require an additional premium and may not be available in all states.
Paragon Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object]
Paragon Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Paragon Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object]
Paragon Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Illustrated Rates for Paragon
Low Net Cost Loan Example ,[object Object],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
Variable Net Cost Loan Example ,[object Object],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
Accelerated Benefits Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],Form series  8052(0798) *One year in PA, CT or VT.  Please see the ABR disclosure forms for more information.
Accelerated Benefits Rider ,[object Object],[object Object],[object Object],Form series 8095(0399) *Please see the ABR disclosure forms for more information.
Accelerated Benefits Rider  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Form series 8095(0399)
Accelerated Benefits Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Form series 8165(0703) *Upon diagnosis.  Please see the ABR disclosure forms for more information.
Extension of Benefits Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],Form series 8097(0899)
Additional Protection Benefit Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],Form series 8404(0606)
Overloan Protection Rider ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Form series 8315(0206)
Be Like Mike! SecurePlus Paragon, male 46 preferred, average interest of 9.7% Policy Year Age Annual  Outlay  Guaranteed Cash Value  Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
A Long Term Saver  SecurePlus Paragon, male 30 preferred, average interest of 9.7% Policy Year Age Annual Outlay  Guaranteed Cash Value  Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
A Last Minute Saver  SecurePlus Paragon, male 55 preferred, average interest of 9.7% Policy Year Age Annual  Outlay  Guaranteed Cash Value  Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
 
Q & A   (Questions and Answers)
 
 

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Recruitment Webinar No Animation

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  • 5. For 2008…What is Your GOAL As a Financial Advisor? You know you can get there... Getting to the Next Level! • $200,000 • $300,000 • $400,000 • $ 500,000 and more! … in annual income
  • 6.
  • 7. 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 Force Rated A+ (S&P), A (Best’s) Career and Independent Distribution Relationship-based Companies LSW is part of:
  • 8. CAPTURE THE WINNINGS! DOW JONES INDUSTRIAL AVG - 1940-1960
  • 9. CAPTURE THE WINNINGS?!? DOW JONES INDUSTRIAL AVG - 1960-1980
  • 10. CAPTURE THE WINNINGS! DOW JONES INDUSTRIAL AVG – 1980-2000
  • 11. YESTERDAY & TODAY Dow Jones 1960-1980 Dow Jones 1995-Present
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  • 16. Rider Charge Charge is .40% of Policy Accumulation Value for first 10 Policy years beginning on the 1 st 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 11 th Policy Year
  • 17.
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  • 19. Step 1: Before Election - Automatic Reset of Income Calculation Base: 5 th , 10 th , 15 th , 20 th , 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
  • 20. Guaranteed Withdrawal Payment for Life Guaranteed Withdrawal Payment is $10,819 a year for life $ 100,000 LSW Indexed Annuity & GLIR Age 55 Age 65
  • 21. Enhanced Benefit for Life Enhanced Benefit Withdrawal Payment is $16,720 a year for life $ 100,000 LSW Indexed Annuity & GLIR Age 55 Age 65 2 of 6 ADLs
  • 22. 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%
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  • 32. 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% Diversified to Less Risk $200k Mutual Fund = $100k $200k Indexed = $200k Total Holdings = $300k $400k Mutual Fund = $200k Total Holdings = $200k 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 Risk
  • 33.  
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  • 36. For 2008…What is Your GOAL As a Financial Advisor? You feel you can get there... Getting to the Next Level! • $200,000 • $300,000 • $400,000 • $ 500,000 and more! … in annual income
  • 37. 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
  • 38.
  • 39. My Future is Bright! . . . There’s Nothing to It… But to DO IT! Life is Good!
  • 40. Just a Few Situations?… Getting Leads Scheduling First Appointments First Appointments No Shows No House at that Address Person Scheduled Died 2 Years Ago r Great First Appointment! I made 2 New Friends Today! My Spouse and I Are Going to Dinner No Money… Already Lost in Market I’m Tired! Client Backed Out!
  • 41. Just a Few Situations?… CAR REPAIRS SPOUSE KIDS MAIL BILLS MARKETING CREDIT CARDS MORTGAGE “ You’ve Got to Get a Real Job!” Some Financial Planner I Am . . . If My Clients Actually Knew Our Finances IRS Problems
  • 42. … Are you feeling a bit overwhelmed about now?
  • 43. 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!
  • 44. 3 Participation Levels . . . EXECUTIVE CLUB ASSOCIATE VICE PRESIDENT REGIONAL VICE PRESIDENT The Resource Center offers Advisors three levels of professional engagement and support
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  • 49. 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 sales at average $60,000 ea. in premium = $3,600,000 @ 8% commission = $280,000 income to you.
  • 50.  
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  • 52. Life Insurance Company of the Southwest LSW Solutions for Life
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  • 57. ** ** * * * 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.
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  • 76. Be Like Mike! SecurePlus Paragon, male 46 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
  • 77. A Long Term Saver SecurePlus Paragon, male 30 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
  • 78. A Last Minute Saver SecurePlus Paragon, male 55 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 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
  • 79.  
  • 80. Q & A (Questions and Answers)
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