1. FEG INSURANCE MARKETING
RETIREMENT: HOW IT
WORKS
Where do most people save for
Retirement?

3. You Need to Know…
The tax treatment of the products
discussed within this presentation are
based on our current understanding of
tax laws, which are subject to change.
Such information is presented for
educational purposes only, and should
not be relied upon as professional tax
advice. WE DO NOT GIVE TAX OR LEGAL
ADVISE.

4. IS YOUR IRA/401(k) UNDER WATER?
“The ugly truth, is
that the 401(k) is a
LOUSY PRODUCT, a
FINANCIAL FLOP, a
ROTTEN REPOSITORY
for our Retirement
Reserves. Oct 9 , 2009
th
What if there was
a way to “OPT
OUT” with your
Retirement
Savings?

5. An “ordinary” American household will pay, on
average, nearly $155,000 over their lifetime in total
fees.

8. COULD THERE BE A BETTER WAY?
“We live in a World of
Financial Noise. I am
shocked at the
overwhelming Lack of
Understanding in the
entire Financial
Industry about how
Money Works”
WE HAVE A BETTER

9. THERE IS A BETTER WAY
“Sending the same
contribution, over the
same period of time, with
the same Stock Market
assumptions to an IUL will
increase the efficiency of
your money by 300%.
Each $1,000/month can
return the same income as
$3,000/month put into a
401K, IRA or TSA ”
Richard G Hinderer, CLU
WE HAVE A BETTER WAY

10. UNCERTAIN TAX RATES
 US Federal Deficit close to $16+ Trillion
 National Debt Increasing at $4.12 Billion a
day

11. TAX RISK
Will future tax rates be
Lower, The Same, or Higher?

12. Four Phases of
RETIREMENT PLANNING
Contribution
Accumulation
Withdrawal
Transfer
Tax
Favored
Tax
Favored
Taxed
Taxed
After
Tax
Tax
Favored
Tax
Favored
Tax
Favored
DOES IT MAKE SENSE TO DEFFER TAXES, AND
POSSIBLY PAY MORE LATER?

13. WHAT IF YOU LIVE LIFE
INSURANCE
INDEX UNIVERSAL Life Insurance
You Don’t Need to Die to Use!

14. WHY DO YOU BUY LIFE INSURANCE?
In case you die!
In case you LIVE!
LIVING BENEFITS
FREEDOM EQUITY INSURANCE MARKETING

15. LIVING BENEFITS:
Does your life insurance policy do this?
Critical Illness
Heart Attack, Stroke, Cancer, Major Organ
Transplant, Blindness, Lou Gehrig's Disease,
End Stage Renal Failure
Chronic Illness
Unable to perform 2 of the 6 daily living
activities or Cognitive Impaired
Lifetime Income
Once activated, GURANTEED INCOME FOR
LIFE & POLICY WILL NEVER LAPSE!!!
At NO ADDITONAL PREMIUM

16. Living Benefits…Critical Illness
The Average Age of a Heart Attack, Stroke or Cancer is
43. Most WILL SURVIVE AND MANY WILL GO
BANKRUPT!!!
Over 62.1% of all BK’s are due to Medical Expenses ,
78% of them had Health Insurance.
Million’s American’s will SURVIVE a Heart Attack Stroke
or Cancer and CANT EARN INCOME!
Most American’s will experience a Heart Attack, Stroke
or Cancer by the age of 65. ARE YOU COVERED?
Why Should YOUR FAMILY Wait UNTIL IT IS
TOO LATE?

17. Living Benefits…Chronic Illness
Most American’s cannot afford, or don’t want to
afford Long Term Care Insurance ( 90% ).
70% of people will require at least some type of
Long Term Care.
Over 40% will need care in a Nursing Home, and the
average stay is now 2.9 years.
At an average cost of $219 per day,
that’s$6,570.00 / MONTH…where’s the money going
to come from? ARE YOU COVERED?
Why Should YOUR FAMILY Wait UNTIL IT IS
TOO LATE?

18. IT’S YOUR CHOICE
Up to $1,500,000
will vary by insurance carrier
CRIT
ICALCH
/ RONIC IL NE
L SS
Two hundred thousand dollars
200,000
Heart Attack, Stroke
or Cancer
A CARD OR A CH CK
E

19. IT’S YOUR CHOICE
Up to $1,500,000
will vary by insurance carrier
CRIT
ICALCH
/ RONIC IL NE
L SS
Two hundred thousand dollars
200,000
Heart Attack, Stroke
or Cancer
IS YOUR IRA/
401K or CURRE
NT
L E INSURANCE P ICY GOING T
IF
OL
O
T E CARE OF YOU?
AK

20. THE ULTIMATE LIVING BENEFIT
Retirement Income
Are you Concerned about OUTLIVING YOUR
INCOME, 401K FEE’s, and MARKET RISK
DURING DISTRIBUTION? YOU SHOULD BE!
Will Social Security be there? What will the
MULTI TRILLION DOLLAR DEFICIT DO TO
OUR ECONOMY?
Are you interested in an Income THAT YOU
CANNOT OUTLIVE…GUARANTEED?
Retirement Income Security

21. IT’S YOUR CHOICE
Retirement Income
Check…Guaranteed?
YOUR… RE IRE E
T M NT
??????
L E T E INCOM GUARANT E
IF IM
E
ED
Your Income… FULLY
TAXED at Retirement?

22. THE POWER OF INDEXING
INDEX UNIVERSAL LIFE…
GAINS LINKED TO THE S&P,
WITHOUT THE RISK…TOO
GOOD TO BE TRUE?
Revolutionary Life Insurance You
Don’t Need to Die to Use!

23. ARE YOU WILLING TO TAKE A
RISK WITH YOUR RETIREMENT?
Safety
Guaranteed not to Lose
Annual Compounding, No Downside Risk
Investment/Market Risk
Subject to Gain or Loss
Risk of Loss for the hope of High NonGuaranteed Rates of Return
WHAT IF YOU COULD HAVE THE
BEST OF BOTH WORLDS?

25. INDEX UNIVERSAL LIFE:
“THE GREATEST WEALTH
ACCUMULATION VEHICILE
OF OUR TIME” DOUG WARREN

26. A SOLUTION FOR EVERY FAMILY
A Solution to Fit any Budget!!!
Index U/L
Income Tax Free D/B
GUL
Income Tax Free D/B
Term
Income Tax Free D/B
Critical Illness
Critical Illness
Critical Illness
Chronic Illness
Chronic Illness
INCOME AT RETIREMENT
NO INCOME
Chronic Illness
CONVERTIBLE
YOU RENT IT
YOU OWN IT/OVERFUND
YOU OWN IT

27. FEG INSURANCE MARKETING
DISCLOSURES

Withdrawals may be subject to surrender penalties imposed
by the company. Amounts withdrawn may also be subject to
tax liability or tax penalties. Partial surrenders and loans
may affect policy values and death benefits.

This material has been prepared for informational and
educational purposes only. It is not intended to provide, and
should not be relied upon for, accounting, legal, tax or
investment advice.

Life insurance products are products of the insurance
industry and are not guaranteed by any bank, federal
agency, nor insured by the FDIC.