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Leaving a legacy consumer presentation


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Leaving a legacy consumer presentation

  1. 1. Leaving a Legacy
  2. 2. The things that were important to you in your 20’s, how different are they from the things that are important to you now?
  3. 3. The Accumulation Phase <ul><ul><li>Marriage </li></ul></ul><ul><ul><li>Children </li></ul></ul><ul><ul><li>Buying a Home </li></ul></ul><ul><ul><li>Work / Career Building </li></ul></ul><ul><ul><li>Begin Investing </li></ul></ul>
  4. 4. <ul><ul><li>Preserve Accumulated Assets </li></ul></ul><ul><ul><li>Maintain Standard of Living </li></ul></ul><ul><ul><li>Make it Last </li></ul></ul>The Preservation Phase
  5. 5. <ul><ul><li>After a lifetime of accumulation, what is the best way to pass it along to loved ones? </li></ul></ul><ul><ul><li>How can I pass along the maximum amount? </li></ul></ul>The Distribution Phase
  6. 6. What’s IMPORTANT to Seniors? Spending Time with Family
  7. 7. What’s IMPORTANT to Seniors? Physical Wellbeing
  8. 8. What’s IMPORTANT to Seniors? Work for Pay Volunteer
  9. 9. What’s IMPORTANT to Seniors? Travel
  10. 10. What’s IMPORTANT to Seniors? Financial Security
  11. 11. What’s IMPORTANT to Seniors? Leave a Legacy
  12. 12. Andrew Carnegie John D. Rockefeller Rockefeller Chapel University of Chicago Carnegie Museum of Natural History
  13. 13. Leaving a Legacy <ul><ul><li>Property – Homes, Land, Farms </li></ul></ul><ul><ul><li>Family Businesses </li></ul></ul><ul><ul><li>Heirlooms – Antique Furniture, Silver </li></ul></ul><ul><ul><li>Collections – Art, Automobiles, Coins </li></ul></ul><ul><ul><li>Cash Savings </li></ul></ul><ul><ul><li>Life Insurance </li></ul></ul>A legacy is anything of value you want to pass on to someone else.
  14. 14. What if you could INCREASE the value of your cash estate? Leaving a Legacy
  15. 15. The AGLA Legacy Plus ® Story Life Insurance
  16. 16. <ul><ul><li>Probate </li></ul></ul><ul><ul><li>Income Taxes </li></ul></ul><ul><ul><li>Family Concerns </li></ul></ul>Three Problems to Avoid
  17. 17. <ul><ul><li>Take Care of Yourself </li></ul></ul><ul><ul><li>Take Care of Your Family Upon Your Death </li></ul></ul>The Legacy Plus Solution
  18. 18. The AGLA Annuity Solution If you do not qualify for Life Insurance, another option is to use an AGLA Annuity to create a legacy…
  19. 19. The AGLA Legacy Plus ® Story AGLA Annuities AGLA Annuities
  20. 20. <ul><ul><li>Preserve – stable investment </li></ul></ul><ul><ul><li>Enhance – growth through competitive interest rates and tax deferral </li></ul></ul><ul><ul><li>Transfer – assets to loved ones without costs and delays of probate </li></ul></ul>An AGLA Annuity Allows You to…
  21. 21. <ul><li>AGLA Legacy Plus ® Life Insurance </li></ul><ul><ul><li>Efficient transfer of assets to loved ones </li></ul></ul><ul><ul><li>Maximize money available to surviving family members </li></ul></ul><ul><ul><li>Accelerated Benefit Riders that provide living benefits </li></ul></ul><ul><ul><li>Guaranteed Death Benefit </li></ul></ul><ul><li>AGLA Annuity </li></ul><ul><ul><li>Accomplishes many of the same things </li></ul></ul><ul><ul><li>Competitive interest rate </li></ul></ul>Leaving a Legacy
  22. 22. Are you interested in providing your heirs, favorite charity, or church with a federal income tax-free gift?
  23. 23. Are you interested in providing your loved ones with a legacy that avoids the costs, delays and publicity of probate?
  24. 24. Is having access to your Life Insurance benefits in the event of a serious long term chronic illness important to you? Life Insurance you don’t have to die to use.
  25. 25. <ul><ul><li>Founded in Nashville, Tennessee in 1900 </li></ul></ul><ul><ul><li>Provides Life Insurance, Supplemental Health Insurance and Annuity Products </li></ul></ul><ul><ul><li>Over 3 Million Customers </li></ul></ul><ul><ul><li>Our Quality of Life…Insurance SM is Changing the Way Americans Think About, Purchase and Use Life Insurance. ® </li></ul></ul>Home Office in Nashville, Tennessee
  26. 26. Thank You! Please complete an interest card and return it to me before leaving.
  27. 27. American General Life and Accident Insurance Company American General Center  Nashville, Tennessee 37250-0001 The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life and Accident Insurance Company (AGLA) are its responsibility. AGLA does not solicit business in the states of New York and Wyoming. Policies may be subject to tax consequences when continued beyond the maturity date (Age 121). The policy may not qualify as life insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option. The insurance company may contest the policy from the date of policy issue, a reinstatement of an increase in coverage, during a period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material fact on the application for such policy, reinstatement, or increase. If an Insured Person dies by suicide within the suicide period provided by applicable law and described in the policy, the death benefit will be limited as provided by the policy. © 2009 All rights reserved. Policy issued by American General Life and Accident Insurance Company. For Policy Forms AGLA 5SIUL AGLA 05SP4I1; Contract Forms AGLA SPDA1, AGLA SPDA2 and AGLA SPDA3; and for Rider Forms AGLA 05BE4 and AGLA 05EC4 AGLA04CHIR, AGLA14CRIR, AGLA04TIR and state variations. AGLA8400-LAL 0909