Insurance 101

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A unique approach to financial planning. www.gofinancials.com.

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Insurance 101

  1. 1. Insurance 101 Cash Value Life Insurance gofinancials advisorA unique approachto financial planning financial PO Box 45466 San Diego, CA 92145 | 619-500-7122 | www.gofinancials.com advisorAddress: 253 Main Street, #169, Matawan | Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344 www.financialadvisor.com
  2. 2. Table of Contents S.No. Slide Name Slide No 1. Cover Slide 1 2. Table of Contents 2 3. Tax 101 3 4. Early Withdrawals & RMD 4 5. Term & Permanent Life Insurance 5 6. Index Universal Life 6 7. Life Benefits 7financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com www.financialadvisor.com
  3. 3. Tax 101TAXABLE Tax on investment• Mutual funds • Capital gains tax• CDs • Income tax• Stocks• Bonds• Saving account• Traditional IRA• Annuity• 401 k• TSPTAX ADVANTAGE FACTS• Municipal bonds ** • Could be short term **• Roth IRA • Low percentage yield• Cash Value Life Insurance • Long term investment • Income limit • Tax free * • Withdrawals • Loans financial advisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  4. 4. Early Withdrawals & RMD Before age 59 ½ • 10% IRS Penalty • Income tax 59 ½ 70 ½ IRS Penalty * Good* RMD* After 70 ½ • Required Minimum Distributionfinancialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  5. 5. Term & Permanent Life InsuranceTERM RENT PERMANENT BUILDS CASH VALUE• 5, 10, 20, 30 years coverage insurance savings insurance LOANS% 2-3% 3-4% MF 1-10 YRS .75% WL UL VUL IUL 11+ YRS 0% DOWNLOAD THE BROCHURE AT HERE: https://www.westernreserve.com/site/newwrl/media/public/PDF/FFIUL/ FFIUL_Brochure.pdf financial advisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  6. 6. Index Universal Life+.75% 13.5% GLOBAL INVESTMENTS&P 500 INDEX YOU • 50% S&P 500 (VISE VERSA)M/2000 -12.27% +.75% • 30% EURO STOXX 50 (VICE VERSA)M/2001 -13.4% +.75% • 20% HANG SENG INDEXM/2002 -24.1% +.75%M/2003 +26.3% +13.5%M/2008 -37.2% +.75% MAX PROTECTION • WEALTH TRANSFER $$$ • RICH BECOMES RICHER MIN • LEGAL PROTECTION INS • FINANCIAL AID FRIENDLY SAVINGS LIFETIME ROOM FOR INVESTMENTS • COVERAGE • AGE • HEALTH financial advisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  7. 7. Living Benefits {1. Death Benefit $1,000 $1,0002. Tax Advantage -50% +100%3. Downturn Protection (.75%)** $5004. Up Gain Potential (13.5%)**5. Flexible6. Terminal Illness SUPPLEMENT RETIREMENT UP TO %500,000 CASH PAY MEDICAL BILLS - VACATION BUCKET LIST - GRANDCHILDREN’S COLLEGE financial advisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 * Consult a tax professional. Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com ** Check current rates here. www.financialadvisor.com
  8. 8. Why Cash Value Life Insurance?Dive in with confidence• Secure your future.• Principal protection.• Safe from market volatility and uncertainty.• Tax deferred/free investment.*• Watch Plan to win now video here.Stop relying on risky maneuvers• Possible loss of principal.• Market volatility and uncertainty like in year 2008.• Time Magazine. Why retire your 401k?• Bloomberg. The truth behind fees.• 60 Minutes. 401k crisis.Take advantage of one-of-a-kind offers to help youaccomplish your goals.financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  9. 9. financial advisor Thank You Contact us today to find your financial future. contact@gofinancials.com financialPO Address: 253 Main Street, 92145 Matawan Box 45466 San Diego, CA #169, advisor619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344www.gofinancials.com www.financialadvisor.com Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344 www.financialadvisor.com
  10. 10. Video 1financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  11. 11. Video 2financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  12. 12. Video 3financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  13. 13. Time Magazine – Why retire your 401k?financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  14. 14. Bloomberg – The truth behind fees.financialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
  15. 15. 60 Minutes – 401k Fall outfinancialadvisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com

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