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Life Insurance Robert T. Billingsley, J.D. Financial Representative  Take a New Look at Life
It takes good information… Especially when it comes to life insurance. to make good decisions.
Agenda  <ul><li>Life insurance is about life and choices </li></ul><ul><li>Life insurance, a solution to meet your needs <...
Life insurance is about  life and choices   Positive choices.
Financial Pyramid <ul><li>A solid financial plan is based on a strong foundation of protection and savings. </li></ul><ul>...
Life insurance is flexible and versatile <ul><li>Life insurance replaces uncertainty with guarantees </li></ul><ul><li>… p...
Term Insurance <ul><li>Renting </li></ul>Term life insurance provides coverage for a specified period.
Permanent Life Insurance <ul><li>Owning </li></ul>Dividends are not guaranteed. Refer to actual policy for complete detail...
Why people own life insurance? <ul><li>Death Protection </li></ul><ul><li>Savings, to accumulate cash value* </li></ul><ul...
Benefits of Term Insurance  <ul><li>Provides temporary protection </li></ul><ul><li>Some policies may be renewed </li></ul...
Benefits of Permanent Insurance <ul><li>If you live,  </li></ul><ul><ul><li>Cash value </li></ul></ul><ul><ul><li>Accumula...
If You Die   <ul><li>Money for the people you care most about </li></ul><ul><li>Income tax free  </li></ul>Your beneficiar...
Portfolio-Based Cash Value  Life Insurance* <ul><li>Money has potential for competitive growth (and no risk of loss) </li>...
If You Quit Paying  <ul><li>Continue the insurance </li></ul><ul><li>Take the cash* </li></ul>* May be adverse tax consequ...
If you become disabled <ul><li>With the Waiver of Premium benefit, essentially, if you become sick or hurt and can’t work,...
How life insurance benefits my family <ul><li>Income Replacement </li></ul><ul><li>Income Stream </li></ul>Protection for ...
How permanent life insurance  benefits you*? <ul><li>Cash values create living benefit </li></ul><ul><li>Emergency fund </...
How permanent life insurance  benefits my family? <ul><li>Asset Protection </li></ul><ul><ul><li>Retirement security for s...
What type of life insurance is best? <ul><li>Your needs </li></ul><ul><li>Your budget </li></ul><ul><li>Your goals  </li><...
Overview… <ul><li>How life insurance can be a solution </li></ul><ul><li>Why people own life insurance </li></ul><ul><ul><...
<ul><li>Received the best possible insurance financial strength ratings from the four major rating agencies in 2006 </li><...
Personal Needs Analysis… <ul><li>Step 1: </li></ul><ul><ul><li>Understand & Analyze Your Specific Needs </li></ul></ul><ul...
QUESTIONS?  Thank You!
Disclosure <ul><li>The Northwestern Mutual Financial Network™ is a marketing name for the sales and distribution arm of Th...
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Life Insurance

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  • Welcome to today’s program, sponsored by Northwestern Mutual. Today’s program is entitled: Take a New Look at Life INTRODUCE YOURSELF AS THE PRESENTER.
  • Transcript of "Life Insurance"

    1. 1. Life Insurance Robert T. Billingsley, J.D. Financial Representative Take a New Look at Life
    2. 2. It takes good information… Especially when it comes to life insurance. to make good decisions.
    3. 3. Agenda <ul><li>Life insurance is about life and choices </li></ul><ul><li>Life insurance, a solution to meet your needs </li></ul><ul><li>Why people own life insurance? </li></ul><ul><li>Life insurance can be a flexible, versatile asset </li></ul><ul><li>Types of life insurance? </li></ul><ul><li>Benefits of term insurance </li></ul><ul><li>Benefits of permanent insurance </li></ul><ul><li>How life insurance benefits your family and you? </li></ul>The goal is to provide information you can use to take action.
    4. 4. Life insurance is about life and choices Positive choices.
    5. 5. Financial Pyramid <ul><li>A solid financial plan is based on a strong foundation of protection and savings. </li></ul><ul><li>Portfolio diversification is fundamental to a comprehensive plan and may reduce risk. </li></ul><ul><li>Proper risk management is essential to securing your financial future and accomplishing your accumulation goals. </li></ul>Financial representatives are insurance agents for The Northwestern Mutual Life Insurance Company (Northwestern Mutual), Milwaukee, WI. The Northwestern Mutual Financial Network is a marketing name for the sales and distribution arm of Northwestern Mutual . Financial representatives might not offer all the services or products available through Northwestern Mutual Financial Network. This slide can be used by Registered Representatives only. A solution for your changing financial needs. Wealth Preservation & Distribution Wealth Accumulation Risk Management
    6. 6. Life insurance is flexible and versatile <ul><li>Life insurance replaces uncertainty with guarantees </li></ul><ul><li>… protect your loved ones from the financial loss that comes with an untimely death… </li></ul>A flexible and versatile asset.
    7. 7. Term Insurance <ul><li>Renting </li></ul>Term life insurance provides coverage for a specified period.
    8. 8. Permanent Life Insurance <ul><li>Owning </li></ul>Dividends are not guaranteed. Refer to actual policy for complete details. Permanent life insurance builds equity called ‘cash value’.
    9. 9. Why people own life insurance? <ul><li>Death Protection </li></ul><ul><li>Savings, to accumulate cash value* </li></ul><ul><li>Present and future qualifications </li></ul><ul><li>Tax advantages* </li></ul><ul><li>Flexibility </li></ul>*Only permanent life insurance offers these benefits. Life insurance provides versatility and flexibility.
    10. 10. Benefits of Term Insurance <ul><li>Provides temporary protection </li></ul><ul><li>Some policies may be renewed </li></ul><ul><li>Some policies may be converted to a permanent policy </li></ul><ul><li>Most policies have premiums that increase as you get older </li></ul>Term insurance provides protection for a limited time period.
    11. 11. Benefits of Permanent Insurance <ul><li>If you live, </li></ul><ul><ul><li>Cash value </li></ul></ul><ul><ul><li>Accumulate money for all your premiums paid </li></ul></ul>Permanent insurance provides flexibility for all life events.
    12. 12. If You Die <ul><li>Money for the people you care most about </li></ul><ul><li>Income tax free </li></ul>Your beneficiary will receive your life insurance proceeds.
    13. 13. Portfolio-Based Cash Value Life Insurance* <ul><li>Money has potential for competitive growth (and no risk of loss) </li></ul><ul><li>Money grows tax-deferred </li></ul><ul><li>Cash value can be borrowed or withdrawn** </li></ul><ul><li>Repay as desired </li></ul>* Portfolio-Based Cash Value Life Insurance is permanent life insurance. **Borrowing against cash value may result in adverse tax consequences and a decrease in the death benefit. Additional money can be placed in it to increase cash value.
    14. 14. If You Quit Paying <ul><li>Continue the insurance </li></ul><ul><li>Take the cash* </li></ul>* May be adverse tax consequences. You can decide how to apply the cash value.
    15. 15. If you become disabled <ul><li>With the Waiver of Premium benefit, essentially, if you become sick or hurt and can’t work, premiums are waived; insurance continues and cash value grows </li></ul>No other financial instrument offers a comparable benefit.
    16. 16. How life insurance benefits my family <ul><li>Income Replacement </li></ul><ul><li>Income Stream </li></ul>Protection for your family’s standard of living.
    17. 17. How permanent life insurance benefits you*? <ul><li>Cash values create living benefit </li></ul><ul><li>Emergency fund </li></ul><ul><li>Opportunity fund </li></ul><ul><li>College funding </li></ul><ul><li>Retirement fund supplement </li></ul>*Borrowing against cash value may have adverse tax consequences and may decrease the death benefit available. Cash value in your policy is available to you.
    18. 18. How permanent life insurance benefits my family? <ul><li>Asset Protection </li></ul><ul><ul><li>Retirement security for surviving spouse </li></ul></ul><ul><ul><li>Inheritance for children and grandchildren </li></ul></ul><ul><ul><li>Legacy for non-profit institutions </li></ul></ul>Can protect from having to liquidate assets to settle the estate.
    19. 19. What type of life insurance is best? <ul><li>Your needs </li></ul><ul><li>Your budget </li></ul><ul><li>Your goals </li></ul>Giving a legacy to a university or charity A needs analysis will help you choose the best option.
    20. 20. Overview… <ul><li>How life insurance can be a solution </li></ul><ul><li>Why people own life insurance </li></ul><ul><ul><li>Flexible, Versatile, Dynamic tool </li></ul></ul><ul><li>Different types of insurance </li></ul><ul><li>Benefits of Term and Permanent life insurance </li></ul><ul><li>What to look for when selecting a life insurance company </li></ul>A lot of information in a short amount of time.
    21. 21. <ul><li>Received the best possible insurance financial strength ratings from the four major rating agencies in 2006 </li></ul><ul><li>Named “America’s Most Admired” company in its category for 25 years, according to 2008 Fortune magazine survey </li></ul>About Northwestern Mutual Who we are…a company with a 150-year tradition Sources: A.M. Best (May 2006) for “largest direct provider”; Fortune magazine for “most admired” company. Ratings: A++ by A.M Best (5/06); AAA by Fitch (2006); AAA by S&P (5/06) AAA by Moody’s (3/06) March 6, 2006 FORTUNE® Magazine survey For further information, see our Annual Report on our Web site. Unless indicated otherwise, Northwestern Mutual and its annual statement are the sources for all statistics. Figures as of Dec. 31, 2005. The Northwestern Mutual Life Insurance Company. Dividends are not guaranteed.  They are reviewed annually and are subject to change by the Company's Board of Trustees.
    22. 22. Personal Needs Analysis… <ul><li>Step 1: </li></ul><ul><ul><li>Understand & Analyze Your Specific Needs </li></ul></ul><ul><li>Step 2: </li></ul><ul><ul><li>Discuss Customized Solutions </li></ul></ul><ul><li>Step 3: </li></ul><ul><ul><li>Annually Review & Adjust as Needed </li></ul></ul>A personal meeting available at no expense or obligation.
    23. 23. QUESTIONS? Thank You!
    24. 24. Disclosure <ul><li>The Northwestern Mutual Financial Network™ is a marketing name for the sales and distribution arm of The Northwestern Mutual Life Insurance Company, Milwaukee, WI, its affiliates and subsidiaries. </li></ul><ul><li>The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Financial Representatives. </li></ul><ul><li>The Northwestern Mutual Life Insurance Company (Northwestern Mutual), Milwaukee, WI (life insurance, disability insurance and annuities). </li></ul>

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