The document describes an "Everything Solution" product that provides safety, liquidity, yield, growth, death benefits, and long-term care benefits. It is structured as an indexed universal life insurance policy that allows deposits between $100,000-$1,000,000. Account value grows based on S&P 500 index returns up to a cap, and is protected from losses by a floor. Policyholders can withdraw funds penalty-free and interest grows tax-deferred. Upon death, beneficiaries receive proceeds income tax-free. It also allows accelerating some death benefits tax-free for long-term care costs. Case studies show how the product provides growth, income, liquidity, and long-term care benefits for different

1. 800.343.7424
“Never in my career have I seen a product that even approaches all
that this product brings. It is truly the Everything Solution.”
–Howard Kaye, President
THE
EVERYTHING
SOLUTION
SAFETY
LIQUIDITY
YIELD
GROWTH
DEATH BENEFIT
LONG TERM CARE BENEFITS
THE EVERYTHING SOLUTION

2. Whether you’ve sold a business, inherited assets, or simply enjoyed a positive cash flow from your
career, your long-term savings are an important part of your net worth. But in today’s low-interest-rate
environment it can be more challenging than ever to make these savings grow.
WHAT ARE YOUR CHOICES?
Invest the money in potentially higher-yielding stocks and bonds, but expose yourself to market volatility
and risk. Or keep your money safer in a CD or money market fund1
, but forfeit any meaningful return.
Our clients know they don’t have to sacrifice yield for safety. There
may be a better way – The Everything Solution.
Howard Kaye has structured an innovative strategy we call the Everything Solution for long-term savings.
One that is safe, liquid, and can generate a significant level of return. The Everything Solution is the only
name we could find that adequately addresses all the benefits this product brings to you and your family.
THE EVERYTHING
SOLUTION HELPS KEEP
YOUR MONEY:
• Liquid, so you can withdraw
money any time you want,
penalty free.2
• Growing, with a meaningful
rate of return.
• Tax advantaged, so you can
maximize account growth.
• Safe, as part of your diversified
savings portfolio.
Growing Your Long-Term Savings in
Today’s Low-Interest Environment
In addition to the savings features, the
Everything Solution also provides:
• An income tax-free Death Benefit for
your loved ones when you pass away.
• Long-term care benefits3
to cover
the medical costs of aging.
We can offer our clients this solution because our
team of Life Insurance Advisors is different. Our
team is comprised of expert advisors who use their
product knowledge to structure solutions unlike
any others on the market.
Howard Kaye’s Everything Solution is powered by an Indexed Universal Life insurance policy structured to provide all
the benefits listed above.
¹ Bank certificates of deposit are FDIC insured up to applicable limits and offer a fixed rate of return. Stock returns/bond yields and principal will fluctuate with market
conditions.
² Loans and withdrawals from an insurance policy may generate an income tax liability, reduce available cash value and reduce the death benefit or cause the policy
to lapse.
³ All optional benefits such as riders and bonuses are available for an additional cost. The guarantees associated with optional benefits are backed/subject to the
claims-paying ability of the issuing insurance company. It is important to weigh the costs against the benefits when adding such options to an annuity/life insurance
contract. The cost for riders varies widely but is generally between .15% to .75% of the account.

3. HERE’S HOW IT WORKS:
• You fund the policy using a one-time, single deposit of between
$100,000 and $1 million of non-qualified money.
• Thanks to a special rider attached to the policy, your deposit is
100% liquid at all times. You can withdraw the money at any time
for any reason, with no penalty.
• Your account is credited based on the S&P 500 Index’s annual
growth, up to a cap (currently 13.5%).1
The amount credited to
your account from this growth may be much higher than other
secure savings vehicles, like CDs and money market funds.
• Even if the S&P 500 Index falls during the year, your account is
protectedfrommarketloss.Thepolicyhasaguaranteedminimum
credited rate that protects you during negative market cycles.
• It is fully guaranteed2
by a highly rated life insurance company.
• Unlike most savings instruments, the interest credited to the cash
value of the account is not taxed until that money is withdrawn. If
the policy is kept through the life of the insured, the death benefit
is paid income tax-free.
• The policy allows you to ‘accelerate’ a portion3
of the death benefit
tax-free to cover qualifying long-term care expenses, giving you
access to your death benefit while you are still living.
¹ Above example based on the S&P 500 Index measured on an annual point to point basis before cost of insurance and expenses. Other indexes and caps are
available.
2 Guarantees are subject to the claims paying ability of the issuing insurance company.
3 The endorsement may cover critical, chronic or terminal illness on policies that qualify.

4. The Everything Solution – The Benefits of Downside Protection
-9.10%
-11.89%
-22.10%
28.69%
10.88%
4.91%
15.79% 5.49%
-37.00%
26.46%
15.06%
2.11%
15.98%
0.00% 0.00% $0.00%
13.50%
8.99% 3.00%
13.50%
3.53% 0.00%
13.50%
12.78%
0.00%
13.41%
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
$200,000
$220,000
$240,000
00 01 02 03 04 05 06 07 08 09 10 11 12 13
Annual Total Return of the S&P 500 Annual Change in the S&P 500 w/Growth Cap (13.5%) and Growth Floor (0%)
$123,849
$217,355
The example in the chart below compares the results for two hypothetical asset allocations of $100,000,
each made at the beginning of 2000 tracked through end of year 2012. The blue line represents ONLY the
growth in the S&P 500® Index as would have been realized by an Index Universal Life (IUL) policy, with a
guaranteed minimum interest rate of 0% and an annual cap of 13.5%. The red line represents the total
return of the S&P® Index, including dividends.
Sources: Yahoo Finance GSPC Historical Prices, Wikipedia and Standard and Poors.com
The historical performance of the S&P 500 is not intended as an indication of its future performance and is not guaranteed. This
graph is only intended to demonstrate how the S&P 500, excluding dividends, would be impacted by the hypothetical growth cap
of 13.5% and hypothetical growth floor of 0%, and is not a prediction of how any indexed universal life insurance product might
have operated had it existed over the period depicted above. The actual historical growth of an indexed universal life insurance
product existing over the period depicted above may have been higher or lower than assumed, and likely would have fluctuated
subject to product guarantees. This graph does not reflect the impact of life insurance policy charges.
Our clients have successfully used this solution to help:
• Earn attractive returns on their long-term savings.
• Diversify their overall savings strategies.
• Pass on substantially larger assets to their heirs, income tax-free.
• Address long-term care needs.
• Utilize corporate assets to address key-man life insurance needs.
People are choosing this Howard Kaye Insurance Agency, LLC. solution because they find the safety,
potential returns and benefits are nearly impossible to replicate through other diversified portfolios.
With Howard Kaye Insurance Agency LLC., you can grow your savings with safety, liquidity, and
attractive rates of return.

5. Experiencing the Everything Solution
CASE 1: Growth and Income Client*
Mr. Smith is 55 years old and newly retired. He no longer has the appetite for market ups and downs and
he does not want to take on any risk. However, he is completely unsatisfied by the very low rates currently
available in savings accounts, CD’s, Money Markets and Treasuries. Mr. Smith funds the Everything Solution
with $500,000. He has upside growth potential. He also has protection from downside market risk. As
the chart below shows, not only has his money grown handsomely, should he choose, he can withdraw
substantial income to supplement his retirement. With an income tax-free death benefit of $1,289,258,
starting in year one, the Everything Solution has truly given Mr. Smith everything he desires.
POLICY
YEAR
WITHDRAWAL
AMOUNT
TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$533,981
$530,359
$515,783
6.80% $969,710
6.44%
6.41% $635,445
$873,595
YEAR TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$535,184.00
$694,375.00
$1,880,528.00
7.04% $1,289,258.00
6.79%
6.85% $2,764,375.00
$1,485,268.00
Case 2: A Liquidity Client*
Mr. Chandler is 70. He’s a conservative client and owns an annuity. He hates the fact that the annuity
is illiquid. The surrender period is twelve years and includes significant surrender charges. Rather than
buying another annuity that will only further agitate him, he puts $1,000,000 into the Everything Solution
where it can grow safely. Mr. Chandler can take money out whenever he wants, without any surrender
charges or penalties. He also has a $1,708,969 income tax-free death benefit. The Everything Solution is
the Annuity Alternative!
POLICY
YEAR
WITHDRAWAL
AMOUNT
TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$533,981
$530,359
$515,783
6.80% $969,710
6.44%
6.41% $635,445
$873,595
YEAR TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$1,063,453.00
$1,333,487.00
$3,278,288.00
6.35% $1,708,969.00
5.93%
6.12% $3,806,092.00
$1,960,277.00
*Internal rates of return are based upon 30 year historical average returns of S&P 500 Index at 8.3% less expenses
*Internal rates of return are based upon 30 year historical average returns of S&P 500 Index at 8.3% less expenses

6. Case 3: Long-Term Care Client*
Mrs. Cohen is sixty years old. She purchased the Everything Solution with a $300,000 payment. The income
tax-free death benefit after only 5 years is $863,015. Mrs. Cohen can withdraw 10% of her death benefit,
$86,301 during that year to cover qualifying long-term care expenses, if she needs it. Due to her policy’s
generous Long Term Care benefit features, Mrs. Cohen will be able to provide herself with additional
income tax-free funds for her care needs in the future. Also, worthy of mention is the income tax-free
death benefit of $750,049 which is created immediately. Mrs. Cohen now has life insurance coverage plus
long-term care insurance; all wrapped into a single solution – the Everything Solution.
POLICY
YEAR
WITHDRAWAL
AMOUNT
TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$533,981
$530,359
$515,783
6.80% $969,710
6.44%
6.41% $635,445
$873,595
YEAR TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$320,945.00
$412,728.00
$1,075,712.00
6.98% $750,049.00
6.59%
6.59% $1,561,934.00
$863,015.00
Case 4 - Poor Health Client*
Mrs. Johnson is 75 and her health is not good. She loves the benefits of the Everything Solution, but believes
she will not be able to participate in the program because she is uninsurable. Her 50 year-old daughter
is the answer to Mrs. Johnson’s problem! Mrs. Johnson funds the Everything Solution with $200,000. Her
daughter is the insured. She is both owner and beneficiary of the contract. All the tax advantaged growth
and withdrawal privileges belong to her. So does the earnings potential! In addition Mrs. Johnson receives
a death benefit of $679,443 on her daughter, which has been created immediately. Upon Mrs. Johnson’s
death her daughter can take over ownership of the policy, change the beneficiary and enjoy the same
benefits. The Everything Solution isn’t just for everyone else; it’s a potential solution for people in poor
health who have a child in good health, just like Mrs. Johnson!
POLICY
YEAR
WITHDRAWAL
AMOUNT
TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$533,981
$530,359
$515,783
6.80% $969,710
6.44%
6.41% $635,445
$873,595
YEAR TOTAL AVAILABLE
LIQUID FUNDS
INTERNAL RATE
OF RETURN
DEATH
BENEFIT
1
5
20
$214,335.00
$279,660.00
$774,187.00
7.17% $679,443.00
6.94%
7.00% $1,418,310.00
$780,811.00
*Internal rates of return are based upon 30 year historical average returns of S&P 500 Index at 8.3% less expenses
*Internal rates of return are based upon 30 year historical average returns of S&P 500 Index at 8.3% less expenses

7. Frequently Asked Questions: The Howard Kaye Everything Solution
Does Howard Kaye Insurance Agency, LLC have partnerships with specific insurance companies?
Howard Kaye Insurance Agency works with many highly rated insurance providers that issue products we feel are
beneficial to our clients.
Am I signing a contract with Howard Kaye Insurance Agency, LLC?
No. Your policy is issued and guaranteed by a nationally renowned insurance company. Howard Kaye has crafted
your solution, but your contract is with the insurance company.
Do I pay Howard Kaye Insurance Agency, LLC for these services?
No. The insurance companies pay Howard Kaye Insurance Agency. We do not charge our clients any fees for our
services.
Am I protected if the insurance company changes this product or rider after I become a policyholder?
Yes. Your contract is a legally binding document, which the insurance company has to honor. Nothing would change
for you and your policy should the insurance company subsequently change its product offerings.
Are there any restrictions on when and how I can withdraw my money?
Your funds are completely liquid at all times. Our clients do not tend to withdraw funds because they value the life
insurance and long term care benefits of this solution. However, should you need to withdraw your money, you may
do so at any time.
How can insurance companies deliver indexing returns with no downside?
Many people mistakenly think that insurance companies invest in the stock market the way many other financial
institutions do. They don’t.
Instead, insurance companies invest in a traditional portfolio of fixed income investments, like bonds, mortgages
and private placements. These investments produce a yield every year, and with a portion of that yield, the insurance
company purchases a one-year ‘at the money’ call option on the S&P 500. If the market goes up, the option finishes
in the money, and the insurance company pays the interest it owes you with that profit. If the market goes down, the
call option expires worthless. The insurance company doesn’t make any money, but since the market is down, they
do not need to pay returns to its policy holders that year, as accounts are held at 0% growth. The insurance company
is hedged either way, so it is indifferent to market results.
In summary, the Everything Solution offers you:
SAFETY, LIQUIDITY, YIELD, GROWTH, INCOME TAX-FREE DEATH BENEFIT, INCOME TAX-FREE LONG TERM
CARE BENEFITS
Retirees dependent on fixed income products really are in a quandary. Interest rates have been at historic
lows. The yield on CD’s, Saving Accounts, Money Markets, Treasuries and other fixed income products are
minuscule. Interest Rate Risk prevails. Many complex products, including annuities remain attractive, but
there’s one big drawback: lack of liquidity. If a person needs money they can only access it by paying a host of
withdrawal fees, penalties, and surrender charges.
The Everything Solution is structured to solve every one of these problems. “Never in my career have I seen a
product that even approaches all that this product brings. It is truly the Everything Solution.” –Howard Kaye, President
Call 800.343.7424.
Howard Kaye and his team of Life Insurance Advisors will work with you to help ensure you have
everything you need.

8. 800.343.7424 | 561.417.5883
hkaye@howardkayeinsurance.com | howardkayeinsurance.com
1800 North Military Trail, Suite 170, Boca Raton, FL 33431
Est. 1963
L I F E I N S U R A N C E A D V I S O R S
Go with Certainty. In Sure Wealth.
The “Everything Solution” is a Product Brand Name. This Product Brand Name is intended solely to highlight what we at Howard Kaye Insurance Agency, LLC, believe
is this single product’s ability to concurrently provide clients yield, tax-deferred growth, safety of principal and earnings, an income tax-free death benefit, long term
care and 100% liquidity.
The client cases and results portrayed are for illustrative purposes only. Your results may be different.
Guarantees are based on the claims-paying ability of the issuing insurance company.
This is a life insurance product, therefore all consumers must undergo the appropriate qualification process and health screening.
¹Policy loans and partial surrenders may affect the policy values and death benefit.
²All optional benefits such as riders and bonuses are available for an additional cost. It is important to weigh the costs against the benefits when adding such options
to a life insurance contract.
³Distributions (withdrawals or policy loans) from life insurance policies treated as Modified Endowment Contracts (“MECs”) under Section 7702A of the Internal
Revenue Code are subject to less favorable tax treatment than distributions from policies that are not MECs. If the policy is a MEC, distributions will be taxable to the
extent there is any gain in the policy. In addition, if the policy owner is under age 59 ½ or is a corporation at the time of the distribution, there is a penalty tax of 10%
on the taxable amount. Without regard to whether a policy is a MEC, a gain in the policy is taxable on full surrender of the policy.
Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax and legal counsel. Policy owners should
consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with liquidity provisions of a life
insurance policy.