Exertus client-presentation. Richard Go, www.grifes.com

1. The EXERTUS
Approach

2. Stages of Life

3. THINGS
THAT
COULD
HAPPEN
TO YOU

4. •
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5. Americans are
Living Longer

6. OUTLIVING
THEIR
MONEY
$8,000
1.Marketwatch.com/story/older-people-fear-this-more-than-death-2016-07-18
2.TheStreet.com/retirement/average-retirement-savings-14881067

7. SO WHAT'S THE PROBLEM?

8. "LIFE" HAPPENS
1
1 American Heart Association Statustics Committee and Stroke Statistics Subcommittee
1
2 Cancer.org (cancer facts of 2015)
2

9. Ask
Yourself
These
Questions

10. So What's
The Solution?

12. "I" Quadrant

14. INSTANT ESTATE

15. INDEXED STRATEGY
For illustration purposes only. Not an actual stock market performance.

16. INCOME FOR LIFE

17. TAXES: DEFERRED OR PREFERRED

18. INCOME FOR LIFE
For illustration purposes only.

19. INCOME FOR ILLNESS
•
•
•
•
•
•
•
•
•
•
Not all triggers are covered by any one company. Check with your agents which triggers are included in the policy.
Please refer to State Specific Information and other disclosures for exceptions and important information.
Critical Illness is defined
as an individual who has
a medical condition that
is diagnosed while the
rider is in force that
would, in the absence of
treatment, result in
death within six months
or the insured has been
diagnosed with
qualifying illnesses.

20. INCOME FOR ILLNESS
•
•
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•
Chronic Illness is
defined as an individual
who is unable to perform
(without substantial assistance
from another individual) at
least two of six Activities of
Daily Living for a period of at
least 90 days due to a loss of
functional capacity and a
Licensed Health Care
Practitioner has determined
the loss of ability to perform
the ADLs is expected to be
permanent.
Please refer to State Specific Information and other disclosures for exceptions and important information.

21. INCOME FOR ILLNESS
•
•
•
Generally, if you have
been diagnosed with a
terminal illness that will
result in death within
6 - 24 months of
certification of the
illness by a physician.
Please refer to State Specific Information and other disclosures for exceptions and important information.

22. Hypothetical example only.

23. Hypothetical example only.

24. Hypothetical example only.

25. There's no better time
to
start a plan than now.