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

2. 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.

3. WHEN CAN YOU AFFORD TO
SAVE FOR RETIREMENT?
You CAN NEVER Afford To SAVE UNLESS You WANT TO!
20 - Party 25 - Diapers
30 - Car 35 - House
Midlife Crisis- 40
45 - Kid’s College
50 - Vacation
55 - Not Too Late
The Time To SAVE is NOW!!!

4. WHAT IS YOUR NUMBER?
20 YEARS OF MONTHLY RETIREMENT INCOME FROM
AGE 66 - 85 @ 8% ASSUMED RATE
Age $3,000 $5,000 $7,000
20 $68.00 $113.33 $158.66
30 $156.36 $260.59 $364.83
40 $377.13 $628.55 $879.98
50 $1,036.48 $1,727.47 $2,418.46
60 $4,881.30 $8,135.51 $11,389.71
REQUIRED MONTHLY $AVING$ TO AGE 65...

5. THE FIVE RETIREMENT GOTCHA’S
• PROCRASTINATION : ENEMY#1
• FEE’S : ARE EXCESSIVE AND HIDDEN FEE’S
ACCEPTABLE ?
• MARKET RISK : ASSETS AT RISK…DOES IT
MAKE SENSE ?
• HEALTH RISK : FULLY FUNDED ?
• TAXES : 16 TRILLION ON DEBT, WHO IS
GOING TO PAY FOR IT?
8

6. IS THE 401K REALY THE BEST PLACE TO
THE SECRET OF THE ULTRA-RICH...
PUT YOUR RETIREMENT NEST EGG?
“The ugly truth, is that the
401(k) is a LOUSY
PRODUCT, a FINANCIAL
FLOP...”
October 19, 2009
HIGH RISK!
HIGH TAXES!!!
HIGH FEES!!
What if you have a
way to "OPT OUT" of
the Tax System,
PAY LOWER FEES &
NEVER EVER LOSE
money again?

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

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

10. WHY DO YOU BUY LIFE INSURANCE?
In case you die! In case you LIVE!
LIVING BENEFITS
FEG INSURANCE SERVICES

11. 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!!! ( not available
with all insurance companies )
At NO ADDITIONAL PREMIUM

12. 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?

13. 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?

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

15. OUR SOLUTION...
Critical Illness - Heart Attack, Stroke, Cancer, Blindness...
Chronic Illness - Unable to perform 2 of 6 ADL’S: Bathing,
Continence, Dressing, Eating, Toileting, Transferring.
This LIVING BENEFIT CHECK Saved
this Family from Financial Devastation...

16. 401K/IRA DISASTER
$100,000 401K Retirement
Average Qualified Plan Our INDEX U/L Alternative
Market Drops 50% = $50,000 Market Drops 50% = $100,000
Real Estate Values Drop 30% Real Estate Values Drop 30%
Need $30,000 for Income Take $30,000 for Income = $70,000
Take $45,000 before Tax $250,000
Taxes 33 1/3% $15,000 = $5,000 TaxesLiving Benefit
0% = $70,000
10% Penalty of $4,500 = $500 No Penalty = $70,000
$500 Left (before state
penalty) $70,000 left

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

18. 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

19. 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?

20. 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!

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

23. TAX DEFERRED VS. TAX-FREE
(35 YEAR OLD MALE $500/MONTH...)
IRA / 401K Cumulative INDEX UL
Contributions to Age 65
$459,490 $180,000 $180,000 not $2,879,030
tax deductible tax deductible
To Age 72 To Age 100
Cumulative After Tax
Account is Depleted
Yearly Income of $82,258 Cash Flow Continue
in 6 Short Years Beginning Age 66 to Age 120
0 Account Value
$2,061,259 $2,151,926
@ Age 100
Death Benefit
to Beneficiary

24. INDEX UNIVERSAL LIFE:
“STOP THINKING OF LIFE
INSURANCE AS AN EXPENSE AND
START THINKING OF IT AS A
PORTFOLIO ASSET, JUST LIKE
REAL ESTATE, STOCKS AND

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

26. FEG INSURANCE SERVICES
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.