Ieul Presentation (September 2008) Seminar (Piggy Bank)

Preparing for our future
with our “Safe” money
Saving Today’s Dollars…To Provide For Tomorrow’s Security!
RB & Associates, Inc.RB & Associates, Inc.
Welcome!
This presentation is for illustration purposes only and is not intended as a full description of
benefits. Please refer to each company’s brochure for a more comprehensive description of
benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit
amounts can vary based on underwriting. Initial payment does not guarantee approval.

Can we count on Social Security?
16 workers16 workers
to 1 retireeto 1 retiree
in 1950in 1950
3.3 workers to 13.3 workers to 1
retiree todayretiree today
Within 40 yearsWithin 40 years
it will be 2-to-1it will be 2-to-1
“Social Security was never meant to be the sole source of income in retirement. It
is often said that a comfortable retirement is based on a "three-legged stool" of
Social Security, pensions and savings. American workers should be
saving for their retirement on a personal basis and through employer-sponsored or
other retirement plans.” Social Security Administration web site

Out of everyOut of every100people100people born65to 69years ago…born65to 69years ago…
•1919 HAVE INCOMES OF
LESS THAN $7,000$7,000
•5050 HAVE INCOMES OF
$7,000 to$7,000 to
$45,000$45,000
•ONLYONLY 44 HAVE INCOMES OF
MORE THAN $45,000+
2727 have diedhave died
For the remaining 73 people73 people, retirement
looks like this:

Most people don’tMost people don’t plan to failplan to fail……
They just failThey just fail
to plan!to plan!
(Usually because(Usually because
they don’t knowthey don’t know
there is a plan)there is a plan)

What do theWhat do the 4%4% whowho
retire successfully do?retire successfully do?
1. They stop procrastinating &1. They stop procrastinating & get startedget started
2. They2. They save consistentlysave consistently on a monthly basison a monthly basis
3. They put a fair share of their3. They put a fair share of their savingssavings intointo
an account that has…an account that has…
●● SSafetyafety
●● AA competitivecompetitive rate of returnrate of return
Saving Today’s Dollars…To Provide For Tomorrow’s Security!Saving Today’s Dollars…To Provide For Tomorrow’s Security!

TheThe secretsecret to long term success…to long term success…
““Spend less than you earn, save &Spend less than you earn, save &
invest the difference and do that for ainvest the difference and do that for a
long time.”long time.” Ron BlueRon Blue

No matter how much we make…No matter how much we make…
We always seem toWe always seem to
spend to that limitspend to that limit
We need toWe need to pay ourselves firstpay ourselves first
each month!each month!

There areThere are 2 sides2 sides to theto the
retirement storyretirement story
AccumulationAccumulation
PhasePhase
DistributionDistribution
PhasePhase

There are 3 things we can all do with our money…
•SPEND IT !!!
•SAVE IT!!!
•INVEST IT!!!

Our money will be “safe” but…
what’s been thewhat’s been the
returnreturn??
Typically only 1 – 3%Typically only 1 – 3%
What about going the banking route?

What about going the stock market route?
Option 1Option 1 OptionOption 22
Invest $10,000 in the Stock MarketInvest $10,000 in the Stock Market Place $10,000 in aPlace $10,000 in a Safe AccountSafe Account
Get anGet an 80%80% increaseincrease
Get aGet a 50%50% decreasedecrease
Get aGet a 5%5% increaseincrease
Get aGet a 5%5% increaseincrease
Results?Results?
$9,000$9,000
(a $1,000 loss)
Results?Results?
$11,025$11,025
(a $2,025 difference)(a $2,025 difference)
Nasdaq, Jan 2, 2000Nasdaq, Jan 2, 2000 (+87.09%) Nasdaq, Jan 2, 2001Nasdaq, Jan 2, 2001 (– 44.52%)
Year 1Year 1
Year 2Year 2

The average return on mutual funds?
OnlyOnly 3.1%3.1% for pastfor past
25 years25 years (minus the fees)(minus the fees)

No wonder they call the Stock Market the…
““Wall Street Casino”Wall Street Casino”

Can we balance our need for safety…
and make our money grow?
Protectio
n
Potential
IndexedIndexed
UniversalUniversal
LifeLife
Mutual
Funds
Bonds
Variable Ann
Stocks
CD’s
Fixed Ann
T-Bill’s

What is Indexed Universal Life?
Inside an insurance “wrapper”Inside an insurance “wrapper”
It’s a Safe SAVINGS programIt’s a Safe SAVINGS program
Savings Inside!

What is the S&P 500?

-45.00%
-25.00%
-5.00%
15.00%
35.00%
55.00% MonthlyClosing Values
S&P Annual Returns 1954 - 2005
How the market works…
Will it be “up” the year you retire and when
you need your money?

0.00%
20.00%
40.00%
60.00%
Monthly Closing Values
With Indexed Universal Life You
Only SHARE in Index Gains You
Never SHARE in Index LOSSES
S&P Annual Returns 1954 - 2005

When saving for your future, be sure to follow the rules…
"Rule No. 1: Never Lose Money."Rule No. 1: Never Lose Money.
Rule No 2: Never Forget Rule No. 1."Rule No 2: Never Forget Rule No. 1."
Warren BuffettWarren Buffett

How does an IULIUL work?
Insurance “Wrapper”Insurance “Wrapper” Savings sideSavings side
Your Savings DollarYour Savings Dollar
1.1. WatchesWatches S&P 500S&P 500
3. If S&P 500 “down”3. If S&P 500 “down”
payspays guaranteed 1%guaranteed 1%!!
2. If S&P 500 is “up”2. If S&P 500 is “up”
it paysit pays up to 15%up to 15%!!
4. When you retire…4. When you retire…
take your money tax-freetake your money tax-free
((based on current tax law)
Die PrematurelyDie Prematurely
Become DisabledBecome Disabled
The plan isThe plan is self-completingself-completing
oror

Immediate death benefitImmediate death benefit
$226,284$226,284
(can you get that(can you get that
guaranteeguarantee from your banker offrom your banker of
stockbroker?)stockbroker?)
Live?…Retire Tax Free!
(based on current tax law)
Potential Retirement
Income:
(age 70) +$418,581$418,581
Potentially withdrawPotentially withdraw
$63,009$63,009 Tax-FreeTax-Free
annually to age 120annually to age 120
(based on current tax law)(based on current tax law)
Plan completed for
Disabled? you!
Die?
Plan completed for
you!
We can all be better prepared…We can all be better prepared…
With aWith a Self-CompletingSelf-Completing IUL Retirement PlanIUL Retirement Plan
Payments made for you each month
(payments made for 5 years)
$334.00/monthly$334.00/monthly
(must qualify for this option)(must qualify for this option)

Most of us don’t hearMost of us don’t hear
the 2the 2ndnd
halfhalf of the retirement storyof the retirement story
TheThe # 1 fear# 1 fear that retiredthat retired
Americans face is…Americans face is…
Outliving their money!Outliving their money!
DistributionDistribution
PhasePhase

The 2The 2ndnd
halfhalf of the retirement storyof the retirement story
70
71
72
73
74
75
76
77
78
79
80
80
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
Age
Retirement Income Summary beginning at age 70
Bank CD EIULIRA/401K
$ 418,581
$ 1,049,717
Out of
money in
19 years
Out of
money in
7 years
Tax-Free* $63,009
to age 120!
At age 100 you would
have collected
$1,890,270 (tax-free)*
and still leave behind
* Based on current tax law

Indexed Universal Life vs. MarketIndexed Universal Life vs. Market

RB & Associates,RB & Associates,
Inc.Inc. An Insurance Marketing
Company
Friend’s Name Telephone #
1.
2.
3.
4.
5.
6.
Bill & Susan Smith (949) 100-0001
Sam & Jill Miller (949) 200-0002
(714) 786-3201Ron & Florence Day
Pete Johnson
Craig & Jane Jones
Tom & Sandy Wilson
(949) 100-0001
(714) 962-1700
(949) 355-9801
“Providing you with a solution…not just a product.”™

Ieul Presentation (September 2008) Seminar (Piggy Bank)

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