1. “The window you create by giving,
is the same window you will be receiving from.”
FINALLY!
After 4 years, thousands and thousands of dollars, hours and hours of time,
grueling and painstaking effort and revision after revision to rise above numerous
setbacks…
We are now READY to market
The Gift of Love
Program
to Churches, Universities, Foundations and Charities!
PLUS,
The program will also be made available to Parents
of Children with Special Needs!
Our Goal in the next 10 years is to raise donations of
ONE BILLION DOLLARS!!!
Please join in helping me to accomplish this.
TOGETHER we can work to bring about great
change to make this world a better place!
Thank you for your interest!

2. Thank you for your interest in our exciting new planned giving program!
America is known the world over for the generosity of her people!
However, today charities and non-profits are operating in one of the toughest fund
raising climates in history! Even though statistics show that 70 percent of all Americans
donate to their respective churches, charities, universities and favorite causes every
year, the real challenge is that many people give what they can but not necessarily
what they would like to give. This has always been a serious impediment for charities
and non-profits regarding their fund raising needs, not to mention a point of frustration
for contributors who would like to give more!
So, we asked ourselves a question…
What if there was an incredibly innovative financial planned giving program that could
take the cost and the stress out of getting donor contributions? What if this strategy, in
many instances, could also dramatically increase donor contributions immediately as
well as in the future without the donor having to make an outright permanent gift to do
so? What if you could insulate a charity or non-profit from economic downturns, both
domestic and worldwide, so these events would have little or no effect on their fund
raising needs? What kind of positive effect would a program like that have on charitable
causes and non-profit organizations around this country?
The answer is here! Now there is a way to overcome the many obstacles and
challenges charities face today! A program that allows charities and non-profits to
consistently grow their funding resources to fulfill their various needs and causes – and
just as important, maintain them!
The answer is…
The Gift of Love Program.
It is an exciting, breakthrough concept that could create enormous opportunity for not
only charitable organizations everywhere but their donors as well! In addition to the
donor receiving a potential tax deduction on their charitable donation, this creative
concept would allow donors to get a guaranteed, tax-advantaged annual income
for life while simultaneously providing a significant and guaranteed financial
benefit to their favorite charitable organization. This concept is very flexible; it
provides both the charity and the donor with various strategic planning options to
choose from allowing them to make contributions that result in the most optimal financial
benefit for the charity, the donor and the donor’s family. They include:
1. An immediate contribution to the charity.
2. Ongoing annual contributions for the charity.
3. A future endowment for the charity.
4. Combinations of the above.

3. This concept is different and unique in that it does not require:
1. The donor to make an outright permanent gift to the charity.
2. The donor to forfeit future potential earnings on their gifting assets;
the program guarantees that the donor will receive a guaranteed, tax-
advantaged income for life.
In short, this planned giving concept is really a plan designed to provide “a painless
benefit” for the donor’s favorite charity. With this concept, both the charity and the
donor receive financial benefit for funding the many needs of the charity! We have
enclosed important information explaining The Gift of Love Program. Please review the
enclosed materials and then contact one of our experienced representatives at
Americorp Services, Inc. at 1.800.789.3008 to further discuss how The Gift of Love
Program could best work for you.
Sincerely,
James C. Lorigo
President

4. Does this sound TYPICAL of many Fund Raising or Contribution
Campaigns?
Annual Dinners, Golf Tournaments, Silent Auctions, Bake Sales, Car
Washes….
REQUIRES…Enormous amounts of TIME, MONEY and Labor Intensive
EFFORT
INVOLVES…ADDING STAFF, RECRUITING and TRAINING VOLUNTEERS
TAKES…VALUABLE TIME and RESOURCES AWAY from day-to-day
operations
CAUSES…STRESS WORRY PRESSURE CONCERN
ANXIETY
RISKS…REPERCUSSIONS of going to the same people with the same
TRADITIONAL METHODS
over and over and over again!
And then at the end of the day, there may only be little dollars for BIG
EFFORT!
The result…
Was it enough; was the campaign truly successful; could it have been MORE?
Was everyone reached who could really give?
What if…
There was a fresh, innovative, convenient, time-efficient, NO COST method
of broadening a donor base?
Further donations could be enhanced because the donor is not required to make an
outright permanent gift to the charity?
The stress and the costs of dramatically increasing contributions could
be ELIMINATED?
A team of professionals could do all this successfully instead of the charity’s staff
doing it?
Now it’s all POSSIBLE…The SOLUTION is here!
You as a charity can…
BROADEN your donor base through education and awareness!
ENHANCE your contributions; show your donors how they can GIVE and
GIVE MORE!
HELP your donors to give while PROTECTING their families’ future
legacies!

5. INCREASE immediate, annual ongoing and future donations with just one
campaign!
Most importantly, you and your organization will not have to “lift a finger” to
accomplish this. Let us introduce you to…
The GIFT of LOVE PROGRAM.
So ask yourself this question…
How IMPORTANT is your mission, project or cause? Because this isn’t really
about raising money; it’s about your PASSION for reaching your goals. What
will be lost if you don’t? What would happen if you were able to double or
triple the amount of funds raised and it didn’t interfere with or stop what you
are currently doing? How much more could you accomplish with this extra
money to turn your VISIONARY ENDEAVORS into reality?
Let the Gift of Love Program
REACH the TRUE HEART of every donor!
"We make a living by what we get, but we make a
life by what we give.”
Winston Churchill
Today, charities and non-profits are operating in one of the toughest
fund raising climates in their entire organizational histories.
What if there was a program that truly could take the COST and STRESS out of
getting donor contributions?
What if this concept could increase immediate donor contributions as well as
provide future endowments?
What if this concept could do this AND restore the original gift to the donor’s estate
or family?
What if this concept could not only increase donor contributions, but also greatly
expand the donor base AND at no cost to the charity?

6. What if this concept could insulate a charity or non-profit organization from
economic downturns both domestic and worldwide and eliminate the charity’s
liability for investment risk, so that these events would have little or no impairment on
fund raising needs?
And what if this concept could offer planned giving strategies that provide
PREDICTABLE GUARANTEES to insure that the charity, the donor and the donor’s
family will receive what has been promised? Well…
“WHAT IF” has now become a tangible reality!
This concept’s innovative appeal and great strength lies in the fact that with certain
strategies IT DOES NOT REQUIRE:
1. The donor to make an outright permanent gift to the charity.
2. The donor, in some cases, to forfeit future potential earnings on
their gifting assets; the program guarantees that the donor will
receive a guaranteed, tax-advantaged income for life.
The real power of this program lies within its utilization of products that deliver
solid, GUARANTEES…predictable donations to the charity, predictable income to the
donor and a predictable restoration of the gifting assets to the donor’s family.
Just imagine…Regardless of the size or the ages of your donor base, this concept
offers strategies that are flexible enough to fit your current donor base as well as your
potential donor base. You will want to look at this exciting, breakthrough concept
because of the enormous opportunities it will create for your organization and your
donors! Many of the strategies of this innovative concept would allow your
donors to receive a guaranteed lifetime income on their designated gifting assets
while simultaneously providing a significant financial benefit to your
organization. This concept’s various strategic planning options provide both the charity
and the donor with the flexibility to decide how they might best make contributions.
They include the potential for:
1. An immediate and significant cash contribution to the charity.
2. Ongoing annual cash contributions for the charity.
3. A significant endowment for the future needs of the charity.
4. Combinations of the above planning strategies.
In short, this planned giving concept is really a program designed to provide “a
painless benefit” for the donor’s favorite charity. This program affords the donor
with the opportunity to contribute to the charity of their choice while receiving enhanced
benefits for having made the contribution. Additionally, the program is custom
tailored in the best interests of both the donor and the charity. With this concept,
both the charity and the donor receive financial benefit for funding the many needs of
the charity. So what is this plan? It is…

7. The Gift of Love Program
What The Gift of Love Program Can Bring To Your Organization
The Gift of Love Program is truly a program for EVERYONE! The program is the
ANSWER to making charitable donating a painless and easy to implement
process. The Gift of Love Program can potentially bring significant financial
resources to charities everywhere! The charity’s involvement is minimal at best; it
needs only to identify which donors it would like to conduct feasibility studies for.
However, the program is flexible enough to allow the charity to be as involved as they
choose to be. The feasibility studies and case designs are all conducted and completed
by the staff and representatives at Americorp Services, Inc. and their affiliates at no cost
or obligation to the charity or the potential donors.
The Gift of Love Program does not in any way interfere with the ongoing
contribution or donation campaigns that the charity currently conducts. It also does
not require additional volunteers or require the charity’s staff to put in extra time and
effort; the charity is freed from having to incur additional costs for an increase in staffing
man hours. In fact, the program can be used to inform and educate current donors
about a variety of case designs that may be available to donors who then realize that
they have even more giving options at their disposal.
Because The Gift of Love Program shows donors how they may use assets they
might never have considered in unique ways they may not have thought possible,
the program truly opens the door to an enormous number of ways to “do good” for their
favorite charity. This results in the donor being able to significantly contribute
more to the charity and (in some cases) receive a guaranteed, tax-advantaged lifetime
income on having made this contribution. But most importantly, The Gift of Love
Program provides a way to guarantee that the donor’s family will receive back the full
value of the contribution upon the donor’s death and in some instances, even more.
The donor no longer has to “permanently give away” the asset to the charity as a
donation thereby preserving the donor’s financial legacy for their family. Because of its
innovative design, The Gift of Love Program potentially increases the size of every
donation.
The Gift of Love Program, through the variety of case design scenarios, can
greatly expand the charity’s current and future donor base. It creates an
environment for more donors to finally have the opportunity to contribute. Additionally, it
creates opportunities for those already giving to now contribute more than they thought
possible. The Gift of Love Program, in turn, makes donors feel even better because
some can make a contribution for the first time while others can make a significantly
larger contribution that will impact their charity’s goals, needs or causes even further.
Most importantly, though, with The Gift of Love Program one campaign could provide
for not only an immediate need or project, but could also satisfy some of the

8. charity’s ongoing needs with guaranteed annual contributions and possibly
provide for the future with an endowment! This would occur in the instance when a
charity has a group of donors whose case designs cover the spectrum of giving
scenarios. All three needs are crucial and pertinent to the visions and goals of every
charitable organization. The true power of The Gift of Love Program is that it brings
endless contribution possibilities to any charity!
How does The Gift of Love Program work?
The Gift of Love Program is easy to understand and simple to implement. Here’s how it
works…
The Gift of Love Program is simply comprised of:
1. A feasibility study conducted on the donor to identify a gifting asset
2. A Lifetime Income Annuity that provides a guaranteed, tax-advantaged lifetime
income paid out over the life of the donor (in some cases)
3. A No-lapse Guarantee Life Insurance Policy that is issued on the life of the
donor
The Gift of Love Program starts with conducting a feasibility study on the donor.
This will help the donor to identify the gifting asset they are going to use for the
charity of their choice and to identify what planned giving strategy will best benefit
the charity and the donor. Then, in most cases, all or a portion of the funds of the
gifting asset are used by the donor to purchase a Lifetime Income Annuity on the life
of the donor. In the majority of the planned giving strategy case designs, the use of a
no-lapse guarantee life insurance policy is then employed to restore the original
amount of the donor’s contribution back to the donor’s family TAX-FREE (or
possibly estate tax-free) upon the donor’s death. This type of life insurance policy
guarantees a “wealth replacement” death benefit that will repay the contribution to the
donor’s family protecting the donor’s legacy. Obviously, with the life insurance as a
crucial component of all of the strategies of The Gift of Love Program, the donor must
be insurable, meet the insurable interest laws of their state and must be aware of
insurance capacity requirements.
The Gift of Love Program will be customized for every donor that participates.
Depending on the case design and the donor’s financial situation, some will more fully
optimize the charitable contribution of the donor and enhance the donor’s tax
deductibility of their gift. Every donor’s individual situation and wishes for their
contribution will be fully analyzed so that their Gift of Love is made in the most tax-
efficient and financially advantageous manner for both the donor and the receiving
charity.
With The Gift of Love Program, it is now far easier for a charity to receive
significantly more resources, expand their donor base and not have to ask their
donors to permanently part with their generous contribution so that the donor’s
family legacy remains intact!

9. How does a charity start The Gift of Love Program?
The charity would identify which of their donors would be eligible to participate in The
Gift of Love Program. To be eligible for the program, a donor would need to have a
liquid gifting asset and would have to be insurable. A feasibility study would then be
conducted to fully qualify each prospective donor. There is no cost or obligation to
either the charity or the donor for conducting the feasibility study and case
design.
At this point, the Americorp Team of Professionals will begin the evaluative process
for donor case designs. This team is comprised of Tax Attorneys, CPA’s, Estate
Planning Attorneys and Registered Investment Advisors as well as financial and
insurance professionals. The process starts with meeting the individual donors to
acquire specific financial and medical information. Once this information is received,
select members of the Americorp Team of Professionals and their affiliates will begin
the thorough process of reviewing numerous insurance carriers that specialize in
lifetime income annuities and those that specialize in no-lapse guarantee life
insurance to get the best rates and the maximum coverage for each donor. The
process of assessing the most optimal case design for the donor could take from 8 to 12
weeks. At this juncture, the customized case design will be solidified for the donor.
Upon completing the feasibility study process, the charity will be presented with a
selection of the most optimal donor candidates and case designs for each. This
evaluative process will identify which case design best matches which donor to provide
the charity with an immediate cash donation, ongoing annual contributions or a future
endowment.
The Gift of Love Program Can Bring Enormous Benefits to YOUR Charity!
It’s time to explore how The Gift of Love Program can best help your charity! The
Gift of Love Program brings immeasurable enhancements and capabilities to the
funding activities of your charity! Now you can alleviate many of the contribution
challenges you may have faced in the past:
The time required for the fund raising process
The expense of the fund raising process
The struggle to staff the fund raising process
The stress and aggravation associated with the fund raising process
The competition for donation dollars due to today’s tough economic times
The need to divert some of the funding away from the project to pay for
administrative or material costs
Because there is no cost to your charity to implement The Gift of Love Program…
100% of the funds raised will go directly to

10. the project or need they were intended for.
The power and the flexibility of The Gift of Love Program presents you with many
options for getting donations and increasing your donor base and without this occurring
at the expense of you or your donors. The program could make an enormous
difference on what your organization hopes to accomplish through pledges and
contributions and what it can NOW realistically achieve.
If you are interested and want to explore the possibilities with The Gift of Love
Program, call our staff at Americorp Services, Inc. at 1.800.789.3008. Whether you
need money now, continuously or in the future, The Gift of Love Program can
simplify and deliver for your charitable needs!
Americorp Services Inc.
6021 S. Syracuse Way, Suite 201
Greenwood Village, CO 80111
303-796-8885
800-789-3008
Disclaimer:
The statements, opinions, and examples set forth herein are subject to this disclaimer. The individual explaining this
marketing plan is a licensed insurance professional. Use of these various strategies may involve products such as
Annuities, Life Insurance, qualified and non-qualified retirement vehicles. All the information and concepts in this
report along with any illustrations, graphs, charts and examples are hypothetical in nature and do not constitute an
offer or a solicitation for a specific insurance product or a non-securities investment. Additionally, nothing contained
herein should be construed as individual tax advice or legal counsel. Americorp Services, Inc. and/or its affiliates
does not provide legal or tax advice. Americorp Services, Inc. and/or its affiliates disclaims any liability arising from
the use of, or the reliance on, the information contained herein. Individuals are strongly advised to seek independent
tax advice and/or legal counsel through their tax consultant and/or attorney as results will vary and are determined by
individual financial situations.
Any written statement contained herein relating to any federal tax transaction or matter may not be used by any
person to support the promotion or marketing or to recommend any federal tax transaction or matter. Lastly, all
information and material contained in this report is designed to be educational in nature and does not constitute an
offer to sell or a request to buy any particular product.
The Gift of Love Program provides for three critical funding needs that charitable
and non-profit organizations feel the urgency of everyday. You will see in the story
examples below how The Gift of Love Program could offer the ideal solution to the
various funding challenges that churches, charities, universities and foundations face
continually. Those challenges involve how to raise funds in the most cost effective and
time efficient manner possible to satisfy funding needs for:
Immediate Cash Donations
Ongoing Annual Donations
Future Endowments
The Gift of Love Program is extremely flexible and can be customized to provide literally
endless resolutions to meeting the specific need of any one non-profit. The strategies
for The Gift of Love Program are varied and depending on the donor’s financial situation
and the charity’s need, there are any number of combinations as to how best

11. to resolve the donation challenges of these nonprofits. Let’s look at three of the ways
in which The Gift of Love Program could be the answer to the needs of nonprofits.
The Need for Immediate Cash Donations
Example #1:
Jack Miller has a favorite charity that he has always donated to. Recently, Jack retired
and decided that he wanted to do more for this charity but did not know how he
could contribute more than a few thousand dollars a year to it. The Gift of Love
Program could be the answer. The program would help Jack identify an asset that he
hadn’t considered being able to use to help his charity as one that would be suitable for
a particular Gift of Love gifting strategy.
With The Gift of Love Program, Jack could take a portion of this asset and give a
$150,000 immediate cash donation to his charity. With the balance of the asset, the
program would allow Jack to receive a lifetime income stream AND restore the entire
value of the asset back to his family upon his passing. The Gift of Love Program could
make all the following possible: 1)The charity could receive an immediate and
significant cash donation, 2) Jack could have a guaranteed income stream to
supplement his lifestyle all throughout his retirement years and 3) the original amount of
the asset could be fully restored as a legacy for Jack’s family upon his passing.
The Need for Ongoing Annual Donations
Example #2
Susan Baker has been actively involved in her church for the last 40 years and has
personally experienced the significance of her church having enough donations coming
in every month to fund its various missions, programs and building projects. She really
would like to be able to contribute a certain amount every year consistently to provide
her church with an ongoing annual donation but does not feel she has enough money to
do so. The Gift of Love Program could solve her dilemma.
The Gift of Love Program could help Susan discover that she has an asset that she had
never before considered using and with one of The Gift of Love strategies, turn that
asset into a considerable yearly contribution for the church. These donations would
continue for the remainder of her life. Furthermore, what was even more important
to Susan was that The Gift of Love Program would allow her to provide this money
every year to her church and not deplete these funds at the expense of her two beloved
granddaughters. She was thrilled that the program would provide a way for the full
amount of the asset to be returned to her granddaughters upon her passing! Susan
could feel great about being able to contribute significantly to her church on a yearly
basis and still leave a life enhancing legacy to her granddaughters!
The Need for Future Endowments

12. Example # 3
Don and Mary Thomas have been very involved over the years in supporting the
university they graduated from, by volunteering and, when they could,
making small cash donations to help fund various school projects. Now that they are
retired, they can donate more of their time to the university but they want to do
something of more significance as a type of legacy for their school. The Gift of
Love Program could provide them with a way to accomplish this.
The Thomas’ could take a liquid asset that they have originally set aside for
bequeathing to their family and with The Gift of Love Program be able to immediately
and dramatically increase its value to turn it into a sizable future endowment for
their university. What really appeals to Don and Mary is that with one of The Gift of
Love Program strategies, they would also be able to leave the original amount of their
asset to their family upon their passing. They were excited about having the opportunity
to make a huge difference for the future of their school and still not having to do so at
the expense of their family!
The Gift of Love Program truly helps those who are helping others…
Now while we have only looked at three examples, it is important to understand that The
Gift of Love Program can offer a variety of strategies as well as combinations
of those strategies to solve the various types of funding needs that charities, churches,
universities, foundations and non-profits, in general, all have. The program can be
individually customized in each donor’s situation to meet the needs of the non-profit that
they have a passion for.
What is unique and special about The Gift of Love Program is that it is truly a
concept designed to provide “a painless benefit” for a donor’s favorite
charity. The Gift of Love Program makes it possible for donors and their favorite
charities to both receive financial benefit in the process of giving from the heart!
Frequently Asked Questions
Q. What is The Gift of Love Program?
A. The Gift of Love Program is an innovative way of providing for the financial
needs and wishes of philanthropically minded donors today as well as the current
and future needs of their favorite charitable causes. The program provides charitable
organizations with a way to receive immediate cash donations, ongoing annual
donations and future endowments without having to ask their donors to
permanently part with any of their own money. This program provides an opportunity
for planned giving by allowing the donor to donate some of their non-qualified, liquid

13. assets to the charitable organization. The Gift of Love Program is comprised of several
giving strategies that incorporate a unique funding twist that allows for donors to lock
in a guaranteed, fixed rate of return on their donated asset while creating an
immediate cash donation and/or ongoing annual donations and/or a future cash
donation for their favorite charity. This funding component guarantees a predictable
rate of return to both the charity and the donor which is highly valued in today’s
economic climate. This guarantee secures the promises made to the charity, the
donor and the donor’s family throughout the gifting process.
The program could potentially increase the financial resources for the donor over
time which affords them the opportunity to bequeath even more to their families and
possibly contribute even more to their charity of choice. The Gift of Love Program also
solves a frustrating dilemma for the donor. In the past, far too many charitable
donors have had to choose between their families’ needs and the needs of their charity;
with The Gift of Love Program, they no longer are forced to choose between the two.
Additionally, this gift can be made FREE of DIRECTIVES as to how and where the
money will be spent.
The power of The Gift of Love Program is it can provide an immediate cash donation,
ongoing annual cash donations, a future endowment, or combination of these for the
charity without the donor having to permanently part with their donated assets.
The Gift of Love Program also accomplishes this without interfering with the current
fund raising endeavors of the charity and without additional costs of time, labor
and money to the charity.
Q. How does the concept work?
A. The Gift of Love Program starts with a donation from the donor to any 501(c)(3)
non-profit organization such as a charity, church, university or foundation. The
program works well with a myriad of financial situations. Any and everyone can be
included in The Gift of Love Program. Each case design is customized to
accommodate minimal donations up to the larger donations of high net worth
individuals. A Lifetime Income Annuity is purchased with all or a portion of the
donation to provide an immediate charitable contribution or a continuous guaranteed
annual income stream or a future charitable endowment and/or a combination of the
above. The revenue generated from the Lifetime Income Annuity goes to the
donor who then uses it to provide the charity with 1) immediate cash, continuous
annual donations or a future endowment and 2) to purchase a no-lapse guarantee life
insurance policy* on the donor to guarantee a full restoration or pay back of the
donation to the family of the donor upon the donor’s death. Additionally, if the donation
is sizable enough, a second no-lapse guarantee life insurance policy can be purchased
to provide a prospective cash contribution for the charity upon the donor’s passing. The
scenario for what the charity will receive and the manner in which the charity will
receive it will depend on the specific individual case design of each donor because
The Gift of Love Program is customized to achieve optimal financial benefit for the
charity based on each donor’s financial situation.

14. Q. What is the process to get involved?
A. A feasibility study is conducted on the donor whereby the amount of the
donation and the type of strategy to be used will be determined. Then the process
begins for taking an application for a Lifetime Income Annuity and underwriting a no-
lapse guarantee life insurance policy on the donor’s life. This is involved and complex
because the goal of the feasibility study and the underwriting process is to
research all the major insurance companies to determine which one can offer the
most advantageous Lifetime Income Annuity payout and the most cost efficient
no lapse guarantee life insurance policy for each particular donor. Ideally, the
feasibility study will find the highest paying Lifetime Income Annuity and the lowest cost
no-lapse guarantee life policy customized to fit the individual donor’s needs. The
reason for using this particular annuity and the special no-lapse guarantee life
insurance policy is to guarantee the income payout and the death benefit for the
donor, the charity and the donor’s family. The key to making the strategy work
optimally for all involved is the predictable guaranteed payouts of both the annuity
and the life insurance. Upon completion of the feasibility study, the donor will know if
they qualify for the program with the maximum benefit. Because there are many
variations to The Gift of Love Program depending upon the amount of the donation, the
donor’s wishes for the charity and the needs of the charity (current and/or future), the
feasibility study is of the utmost importance. The feasibility study allows The Gift of
Love Program to be customized to optimally achieve the goals and objectives of both
the charity and the donor.
* In all cases donors, first and foremost, must be insurable. They must meet insurable interest laws of their applicable state and
they must be aware of insurance capacity requirements.
Q. What are the benefits to the Charity with The Gift of Love Program?
A. The benefits to the charity are many. They include but are not limited to:
The Gift of Love Program’s innovative giving strategy can solve the
charity’s need for:
a. An immediate and significant cash contribution for a specific
project or financial need.
b. Continuous, guaranteed annual contributions to satisfy
everyday operational needs.
c. A significant endowment for future financial needs.
The process is easy and simple to implement.
There is no cost to the charity and does not interfere with the
current daily responsibilities of volunteers and staff to implement
the program.
The Gift of Love Program provides a great enhancement to the
regular charitable contribution opportunities of donors therefore,
making available more resources for the charity’s many needs.
It solves one of the most frustrating problems of sound financial
charitable giving – the donor does not have to choose meeting the

15. needs of their family over meeting the needs of the charity.
The charity can utilize The Gift of Love Program in a prudent,
conservative manner that will not compromise the charity’s tax-
exempt status nor the good will of the donors.
Given that there are several planning considerations and numerous
strategies to choose from, legal implementation and proper accounting
for The Gift of Love Program is relatively simple as compared to
other sophisticated planned giving strategies.
Unlike other planned giving strategies, all of The Gift of Love Program
strategies provide predictable guaranteed rates of return to insure
that the charity, the donor and the donor’s family will receive what
has been promised.
The Gift of Love Program does not involve third party financiers or
methods to short-sell the life insurance policy.
Charities are free to make the decision as to when and how much of the
money they want to receive immediately, annually or in the future.
All gifts to the charity can be FREE of DIRECTIVES as to how and
where the money is spent.
The Gift of Love Program conveniently expands the donor base
through education and awareness with minimal effort.
Q. Will implementing The Gift of Love Program interfere with the Charity’s current
and ongoing efforts to raise contributions from their existing donor base?
A. Absolutely not. The Gift of Love Program in no way hinders the ongoing, consistent
income and endowment contributions from the charity’s regular and loyal donors. In
fact, it could actually enhance these donors’ contributions greatly. These loyal donors
can now augment their current contributions with assets they may not have
considered using once they see how the program works. They can keep their
current contributions going and now give even more through another avenue using
The Gift of Love Program.
With several of The Gift of Love Program strategies, existing donors will find that they
have a perfect opportunity to contribute further to their favorite charity without having
to increase their out-of-pocket donations and can secure the original donation
amount with a no-lapse guarantee life insurance policy. This allows them to restore the
amount of the initial contribution so that it may be left to their family upon the
donor’s passing. In other instances, The Gift of Love Program affords donors the
opportunity to leverage minimal donations thereby creating significant
endowments for the charity in the future.
Q. What are the benefits to the Donor with The Gift of Love Program?
A. The benefits to the donor are many. They include but are not limited to:
The Gift of Love Program makes it possible for anyone who has a

16. passion for a particular charitable organization to give, and possibly
give more, than they ever dreamed possible.
The Gift of Love Program can provide a great enhancement to the
regular charitable contribution opportunities of donors making
available even more resources for the charity’s many needs without the
donor having to take money out-of-pocket.
The process is easy and simple to implement.
The donor can potentially receive an immediate tax deduction for
making the donation to the charity.
The donor, in certain instances, can receive a tax-advantaged
guaranteed annual lifetime income for making the donation.
Donors can make a significant, immediate and/or long term impact
on their favorite charity.
It solves one of the most frustrating problems of sound financial
charitable giving – the donor does not have to choose meeting the
needs of their family over meeting the needs of the charity.
The principal amount of the donation is preserved and guaranteed
for the benefit of the donor’s heirs.
Unlike other planned giving strategies, all of The Gift of Love Program
strategies provide predictable guaranteed rates of return to insure
that the charity, the donor and the donor’s family will receive what
has been promised.
For donors with larger estates, The Gift of Love Program (when
properly structured) may provide a way for the original amount of
the gift to come back fully to the donor’s heirs tax-free and may
not be included in the donor’s estate.
Given that there are several planning considerations and numerous
strategies to choose from, legal implementation and proper accounting
for The Gift of Love Program is relatively simple as compared to
other sophisticated planned giving strategies.
The Gift of Love Program does not involve third party financiers or
methods to short-sell the life insurance policy.
The Gift of Love Program uses proven and tax-efficient products
(a Lifetime Income Annuity and no-lapse guarantee life insurance)
to protect and guarantee the donor’s financial legacy for their
family while allowing them to contribute more than they ever thought
possible to their favorite charity.
The Gift of Love Program allows the donor to easily act on the
passion and commitment they have for their favorite charity by
contributing significantly more than they ever dreamed possible.
Q. Does the Donor receive a tax deduction for utilizing The Gift of Love Program?
A. Yes, the Donor can receive a potential tax deduction subject to IRC Regulations
for making a donation to the charity with The Gift of Love Program. The amount of the
tax deduction will depend on the specifics of the donation and the tax laws applicable at

17. the time of the donation. Additionally, depending on which strategy is used by the
donor, they may also receive a tax-advantaged, guaranteed annual income for life.
Q. How involved does the Charity need to be?
A. The charity decides how much involvement they want to have. Our firm is
involved in all aspects of The Gift of Love Program (feasibility study, plan case design,
strategy implementation and follow up). The charity is free to choose its level of
involvement.
Disclaimer:
The statements and opinions set forth herein are subject to this disclaimer. The individual explaining this marketing
plan is a licensed insurance professional. Use of these various strategies may involve products such as Annuities,
Life Insurance, qualified and non-qualified retirement vehicles. All the information and concepts referred to here are
generic and hypothetical in nature and do not constitute an offer or a solicitation for a specific insurance product or a
non-securities investment. Additionally, nothing contained herein should be construed as individual tax advice or
legal counsel. Americorp Services, Inc. and/or its affiliates does not provide legal or tax advice. Americorp Services,
Inc. and/or its affiliates disclaims any liability arising from the use of, or the reliance on, the information contained
herein. Individuals are strongly advised to seek independent tax advice and/or legal counsel through their tax
consultant and/or attorney as results will vary and are determined by individual financial situations.
Any written statement contained herein relating to any federal tax transaction or matter may not be used by any
person to support the promotion or marketing or to recommend any federal tax transaction or matter. Lastly, all
information and material contained herein is designed to be educational in nature and does not constitute an offer to
sell or a request to buy any particular product.