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Insurance 101
- 1. Insurance 101 Cash Value Life Insurance gofinancials advisor A unique approach to financial planning financial PO Box 45466 San Diego, CA 92145 | 619-500-7122 | www.gofinancials.com advisor Address: 253 Main Street, #169, Matawan | Office: 732-591-9131 | Fax: 732-441-7344 www.financialadvisor.com Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344 www.financialadvisor.com
- 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 7 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 www.financialadvisor.com
- 3. Tax 101 TAXABLE TAX ADVANTAGE 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. Tax 101 TAXABLE Tax on investment • Mutual funds • Capital gains tax • CDs • Income tax • Stocks • Bonds • Saving account TAX ADVANTAGE 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
- 5. Tax 101 TAXABLE Tax on investment • Mutual funds • Capital gains tax • CDs • Income tax • Stocks • Bonds • Saving account • Traditional IRA • Annuity • 401 k • TSP TAX ADVANTAGE 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. Tax 101 TAXABLE Tax on investment • Mutual funds • Capital gains tax • CDs • Income tax • Stocks • Bonds • Saving account • Traditional IRA • Annuity • 401 k • TSP TAX ADVANTAGE FACTS • Municipal bonds ** • Could be short term ** • Roth IRA • Low percentage yield • Long term investment • Income limit 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. Tax 101 TAXABLE Tax on investment • Mutual funds • Capital gains tax • CDs • Income tax • Stocks • Bonds • Saving account • Traditional IRA • Annuity • 401 k • TSP TAX 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
- 8. 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 Distribution 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
- 9. Term & Permanent Life Insurance TERM RENT PERMANENT BUILDS CASH VALUE • 5, 10, 20, 30 years coverage insurance 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
- 10. Term & Permanent Life Insurance TERM RENT PERMANENT BUILDS CASH VALUE • 5, 10, 20, 30 years coverage insurance savings insurance 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
- 11. Term & Permanent Life Insurance TERM 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
- 12. Index Universal Life +.75% 13.5% S&P 500 INDEX YOU M/2000 -12.27% +.75% M/2001 -13.4% +.75% M/2002 -24.1% +.75% M/2003 +26.3% +13.5% 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
- 13. Index Universal Life +.75% 13.5% GLOBAL INVESTMENT S&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 INDEX M/2002 -24.1% +.75% M/2003 +26.3% +13.5% M/2008 -37.2% +.75% 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
- 14. Index Universal Life +.75% 13.5% GLOBAL INVESTMENT S&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 INDEX M/2002 -24.1% +.75% M/2003 +26.3% +13.5% M/2008 -37.2% +.75% $$$ INS LIFETIME • COVERAGE • AGE • HEALTH financial advisor PO Box 45466 San Diego, CA 92145 Address: 253 Main Street, #169, Matawan 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com * Consult a tax professional. www.financialadvisor.com
- 15. Index Universal Life +.75% 13.5% GLOBAL INVESTMENT S&P 500 INDEX YOU • 50% S&P 500 (VISE VERSA) M/2000 -12.27% +.75% • 30% EURO STOXX 50 (VICE VERSA) M/2001 -13.4% +.75% • 20% HANG SENG INDEX M/2002 -24.1% +.75% M/2003 +26.3% +13.5% M/2008 -37.2% +.75% MAX PROTECTION • WEALTH TRANSFER $$$ • 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
- 16. Living Benefits { UP TO %500,000 CASH 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
- 17. Living Benefits { 1. Death Benefit $1,000 $1,000 2. Tax Advantage -50% +100% 3. Downturn Protection (.75%)** $500 4. Up Gain Potential (13.5%)** 5. Flexible 6. Terminal Illness UP TO %500,000 CASH 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
- 18. Living Benefits { 1. Death Benefit $1,000 $1,000 2. Tax Advantage -50% +100% 3. Downturn Protection (.75%)** $500 4. Up Gain Potential (13.5%)** 5. Flexible 6. 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
- 19. 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 you accomplish your goals. 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
- 20. financial advisor Thank You Contact us today to find your financial future. contact@gofinancials.com financial PO Address: 253 Main Street, 92145 Matawan Box 45466 San Diego, CA #169, advisor 619-500-7122 Office: 732-591-9131 | Fax: 732-441-7344 www.gofinancials.com www.financialadvisor.com Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344 www.financialadvisor.com
- 21. Video 1 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
- 22. Video 2 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
- 23. Video 3 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
- 24. Time Magazine – Why retire your 401k? 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
- 25. Bloomberg – The truth behind fees. 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
- 26. 60 Minutes – 401k Fall out 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