This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.

2. Who We Are
We are an insurance agency headquartered
in Camarillo, CA. We aim to serve individuals,
families and businesses.
NDK Insurance Agents are geared towards
maximizing client’s returns while minimizing
market/tax risk utilizing the latest
insurance products.

3. What We Do
We specialize in:
• Retirement planning
• 401k Rollover
• College funding
• Family Asset Protection
• Business Asset Protection
• Life Insurance with Living Benefits
• Fixed and Indexed Annuities
• Individual and Group Health Insurance
• Medicare Supplement Insurance
• Property and Casualty Insurance
• Final Expense

4. Our Mission
To actualize out client’s dreams through cutting
edge financial solutions.

5. Our Vision
To be the premiere provider of financial solutions
across the nation.

6. Who We Represent
Plus many more companies not listed

7. Tough Times

8. Where Are Most
Individuals Today?
• Living with insufficient or no income protection and
too much hight interest debt.
• Have little to no current savings plan and do not
know where to put their money to reach their
financial goals.
• Have no knowledge of how to implement a proven
strategy for their future.
• Do not make enough money and are not sure what
choices to make.

9. What’s The Effect?
Without financial security there is:
• No peace of mind
• Stress and frustration
• A negative impact on our families
• Lost opportunities
• Lack of confidence
• Lack of hope
• Lowered expectations
• Lack of dreams

10. WHAT IS THE
SOLUTION?

11. How Does Money Work?
INFLATION TAXES
RULE OF 72
Take the number 72 and divide it by the annual rate of interest
that your money is earning to determine the number of years it
will take for your money to double.

12. Compound Interest – Rule of 72
Simply divide the number by your expected rate of return to determine
the number of years it will take your money to double.
72 ÷ 4% = 18 yrs. 72 ÷ 6% = 12 yrs. 72 ÷ 8% = 9 yrs. 72 ÷ 12% = 6 yrs.
Age 4% Age 6% Age 8% Age 12%
Money doubles every 18 years Money doubles every 12 years Money doubles every 9 years Money doubles every 6 years
29 $10,000 29 $10,000 29 $10,000 29 $10,000
47 $20,000 41 $20,000 38 $20,000 35 $20,000
65 $40,000 53 $40,000 47 $40,000 41 $40,000
65 $80,000 56 $80,000 47 $80,000
65 $160,00 53 $160,000
59 $320,000
65 $640,000
“The most powerful force in the universe is compound interest.
The person that understands compound interest will earn it.
The person that does not will pay it!” – Albert Einstein

13. Understanding The
Money Game
The Market

14. There is a
Potential for
Markets Up…
Markets Down
Gains
Losses

15. The Investment
Triangle
The Higher the Risk
Potential for Higher Gains
The Lower the Risk
Potential for Lower Gains
Savings
T-Bills
Bonds
Bank CD
Fixed Annuities
Savings Account
Life Settlements Mutual Funds
Silver Gold Stocks
Real Estate Bonds
Private Offerings
REITS Hedge Funds
Limited Partnerships
Commodities
Options
Futures
Risk

16. Many Retiree’s
Don’t Understand
The Real Impact
of Losses and
What Losses Can
Mean to Their
Portfolio.
IF YOU LOST YOU NEED TO EARN
10% 11.11%
20% 25.00%
30% 42.86%
40% 66.67%
50% 100.00%
60% 150.00%
70% 233.33%
80% 400.00%
90% 900.00%
99% 9,900%
EXAMPLE $1,000,000 $500,000 NEGATIVE
Lost
50%
Earn
$50
-$250,000$500,000 $250,00

17. Remember Time is Money…
Why Lose Either One?
If you lost this
much in the
market:
It could take this many years to rebuild your next egg!
@ a 3% return @ a 6% return @ a 8% return
10% 3.6 years 1.8 years 1.3 years
20% 7.5 3.7 2.9
30% 12 6 4.6
40% 17 8.6 6.6
50% 23.2 11.6 9

18. ?
Does History Repeat Itself? Are
We Headed For Another Crash?
Crash of 2000 Crash of 2008 Crash of 2016
1996 1998 2000 2002 2004 2006 2008 2010 2012 2016

19. Notable Quotes
“If I had to give advice it would be to keep out of Wall
Street.” - John D. Rockefeller
“The first rule of investing is never lose money, The
second rule is never forget rule number one.”
- Warren Buffet

20. So how can you
reduce and/or
eliminate risk,
yet participate in
gains?

21. What Do Many
Advisors Say?
“Stay in the Market”
“Wait it Out”
“Hold Tight”
“It’s Only a Paper Loss”
“The Market Will Come Back”

22. What is YOUR market
risk prevention plan
DO YOU HAVE ONE?

23. What is Indexing?
Year
S & P 500
Index
Return
0% Floor
12% Cap
Return
2000 19.50% 12.00%
2001 -10.14% 0.00%
2002 -13.04% 0.00%
2003 -23.37% 0.00%
2004 26.38% 12.00%
2005 8.99% 8.99%
2006 3.00% 3.00%
2007 13.62% 12.00%
2008 3.53% 3.53%
2009 -38.50% 0.00%
2010 23.50% 12.00%
2011 12.8% 12.00%
2.31% 104.82%
Total Growth
These plans are hypothetical and are for educational purposes only. This is not an
offer or solicitation for you to buy any insurance product. Past performance is not
a guarantee of future results. Hypothetical analysis is based on current
assumptions and is not guaranteed. Your results will be different and could be
higher or lower. Income from a life insurance policy may be tax-free if all tax laws
and rules are met. Please consult with your advisor.
$100,000
$204,824
$102,312
This Is The Difference
Between A Successful
Retirement & A Not-So-
Successful Retirement
A System Designed To Participate in
Gains While Eliminating Losses

24. SPEND
EARN
SAVE
DIE
TAX

25. The Concept of Tax Efficiency
Using The Internal Revenue Code To Your Advantage:
• IRC Sections 401, 403, & 457 – Retirement Savings.
• IRC Section 408 – IRAs.
• IRC Section 1031 – Tax-Deferred Investment Real Estate Exchanges.
These plans are hypothetical and are for educational purposes only. This is not an offer or solicitation for you to buy any
insurance product. Past performance is not a guarantee of future results. Hypothetical analysis is based on current
assumptions and is not guaranteed. Your results will be different and could be higher or lower. Income from a life
insurance policy may be tax-free if all tax laws and rules are met. Please consult with your advisor.
Pay Tax
Now
Pay Tax
Later
Tax Free

26. The Concept of Tax Efficiency
✦ One Of The Most Powerful And Yet Unused Section Of The IRC:
✦ Section 7702 Provides Huge Potential Benefits From Life Insurance:
✦ Unlimited Contributions.
✦ Tax-Deferred Growth.
✦ Tax-Free Loans For Any Purpose At Any Age (Even Before Age 59 ½).
✦ Tax-Free Income.
✦ No required Minimum Distributions – No RMDs.
✦ Tax-Free Death Benefit.
✦ Living Benefits.
These plans are hypothetical and are for educational purposes only. This is not an offer or solicitation for you to buy any insurance product. Past
performance is not a guarantee of future results. Hypothetical analysis is based on current assumptions and is not guaranteed. Your results will
be different and could be higher or lower. Income from a life insurance policy may be tax-free if all tax laws and rules are met. Please consult
with your advisor.

27. Has your 401k, IRA or Annuity
become a Ticking Tax Time Bomb?
Potential of increasing taxes will
have a huge impact on the
money you have worked so hard
to earn.
By planning ahead, you can take
advantage of IRS guidelines that
allow you to have tax free
retirement funds as well as being
able to transfer money from one
generation to the next…INCOME
TAX FREE!

28. SOLUTION
Create Tax Free and Tax Deferred Assets
• Reduce Income Tax
• Leave Assets Tax Free
• Double Your Legacy

29. THE CHOICE IS YOURS!
✓ Know your options!
✓ Don’t procrastinate!
✓ Get your quote
NOW!

30. 263 Million People
4 Groups (Millennial, Gen. X, Baby Boomers, and Seniors)
82,000,000 64,000,000 77,000,000 40,000,000
Millennials Generation X Baby Boomers Seniors
Ages 20-34 Ages 35-49 Ages 50-64 Age 65+
1. Start Career/Business 1. More Income 1. 2nd Income 1. Life Back To Work
2. Low Cost Life Ins. 2. Accumulate Wealth 2. Recover Wealth 2. Time Income
3. Start Saving 3. Term/Permanent Ins. 3. Term/Permanent Ins. 3. Survivorship Life Ins.
NDK Opportunity NDK Opportunity NDK Opportunity NDK Opportunity
College Funding College Funding College Funding College Funding
Asset Protection Asset Protection Asset Protection Asset Protection
Index Universal Life with
Living Benefits
Index Universal Life with
Living Benefits
Index Universal Life with
Living Benefits
Index Universal Life with
Living Benefits
P & C Insurance P & C Insurance P & C Insurance P & C Insurance
Indexed Annuities Indexed Annuities Indexed Annuities Indexed Annuities
401(k) Roll Over 401(k) Roll Over 401(k) Roll Over Final Expenses

31. $10,000 Base Compensation
Promotion Level
Percent Of Base
Comp
Amount To Be
Paid
A – Associate 50% $5,000
MD – Marketing Director 70% $7,000
RMD – Regional Marketing
Director
80% $8,000
RVP – Regional Vice President 90% $9,000

32. Start with NDK Part Time and Keep
The Security of Your Existing Job
Brand New
Associate
• Each sale is based on
an EIUL with a monthly
premium of $250 per
month, or $3,000 target
premium.
• Assume each associate
is at a 50% contract
level.
• Projected income is
purely hypothetical and
could be lower or higher
depending upon the
products sold, size of
sales, and number of
sales closed.
You get started today building your business:
Help 1 family a month… $1,500/mo.*
Help 5 families a month… $7,500/mo.*
What would this type of part-time income
mean to you?
Where else can you make this kind of
money part-time?

33. Building Income Through NDK
The Power of
Team Building
• Each sale is based
on an EIUL with a
monthly premium of
$250 per month, or
$3,000 target
premium.
• Assume each
associate is at a 50%
Base Compensation
Level.
• Projected income is
purely hypothetical
and could be lower
or higher depending
upon the products
sold, size of sales,
and number of sales
closed.
Marketing Director
Associate Associate Associate Associate Associate
Help Protect 2 Families a Month Personally $4,200/mo.
Build 5 Assoc. Who Help 5 Families a Month… $6,000/mo.
Monthly Base Shop Income $10,200
Annual Base Shop Income $122,400

34. Building Income Through NDK
The Power of
Team Building
• Each sale is based
on an EIUL with a
monthly premium of
$250 per month, or
$3,000 target
premium.
• Assume each
associate is at a 50%
Base Compensation
Level.
• Projected income is
purely hypothetical
and could be lower
or higher depending
upon the products
sold, size of sales,
and number of sales
closed.
Regional Vice President
Associate Associate Associate Associate Associate
Help Protect 2 Families a Month Personally $5,400/mo.
Build 5 Assoc. Who Help 5 Families a Month… $30,000/mo.
Monthly Base Shop Income $35,400
Annual Base Shop Income $420,800