See how you can eliminate most all the ways people fail financially. Whether you live long, die too soon or get a critical illness along the way, you can be financially protected. Eliminate financial stress during a major illness and you will heal quicker. We show you how. After viewing, learn more at www.petercatalano.com

1. THE NEW
WORLD OF
MONEY
Upgrade your Money Technology
The World has Changed

2. THE PROBLEM: WHERE DO I PUT MY MONEY?
DIE TOO SOON, GET SICK, LIVE A LONG HEALTHY LIFE
$300
Retirement
Savings $300
Critical
Illness
Chronic
Illness LTC
Life Insurance
*Benefits vary by InsuranceCompany, be sure to check with your agent as to specific riders and benefits availablein your state.
Budget

3. PROBLEM #1
70% of people who were diagnosed
with a heart attack, stroke or cancer
did not die. More than half go
bankrupt in the process.*
THECRUSADE
FEG’S LIVING BENEFIT
CRUSADE
Many will not be able to go to work
*New England Journal of MedicineVolume362, Page2155. Harvard Medical School, HarvardHeart Letter, July 2011,
Surviving a Heart Attack: A success story. Center for DiseaseControl and PreventionNationalCenter for Health
Statistics, Health, United States, 2010: withspecial featureon death and dying. American Cancer Society, Cancer Facts
& Figures 2011*

4. If you get sick and can’t go to work, who will
pay your bills?
THECRUSADE
FEG’S LIVING BENEFIT
CRUSADE
Worse Than Death: Critical Illness Money Fears
Less than 5% of all workers are covered
*www.cnbc.com/id/100907706/print

5. THE 4 LIVING BENEFITS
CRITICAL ILLNESS…Millions suffer heart attack,
stroke & cancer
CHRONIC ILLNESS…LTC alternative, 90% don’t own LTC
TERMINAL ILLNESS DIAGNOSIS
Critical, chronic, and terminal riders are included
in the policy at no additional cost
TAX-FREE RETIREMENT…What if I Live?
THE ULTIMATE LIVING BENEFIT
• Benefits vary by InsuranceCompany, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not providetax or legal advice, please consult your advisors

6. FEGHASTHESOLUTION SOLUTION: LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE
PROTECT YOUR FAMILY ALL THREE WAYS
No Cost
Critical, Chronic,
Terminal Illness
Riders
Potential Tax Free
Income for Life
Traditional Life
Insurance Tax Free
Distribution
• Benefits vary by InsuranceCompany,besureto checkwith your agentasto specificridersand benefitsavailability in your state
• FEGdoes notprovidetax or legal advice,pleaseconsultyouradvisors

7. WEAREONAMISSION
The FEG Revolution
LIVING BENEFITS
THE HISTORY OF LIVING BENEFITS
• *1Originated in South Africa by Dr. Marius
Barnard, part of the first heart transplant team in
the world in 1967.
• Sold in 53 Countries for 20+ yrs. Very popular in
countries like Germany, France, England, Canada,
Australia and Japan.
• Just a few Life Insurance Companies offer Living
Benefits in America
Life Insurance You Don’t Have To
Die To Use
*1 "Heart to Heart", CoverTen(Incisive Financial Publishing), 10 October 2007: 29

8. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by InsuranceCompany,besureto checkwith your agentasto specificridersand benefitsavailability in your state
• FEGdoes notprovidetax or legal advice,pleaseconsultyouradvisors
Our first claim…WILL IT PAY OUT???
FEG: THE LIVING BENEFITS COMPANY
Johnny was 48 years old when he replaced his 20 year Term with a
new 20 year Term with Living Benefits. The new policy was LESS
EXPENSIVE than the old one.
5 months into the policy Johnny was diagnosed with Stage 4 Stomach
Cancer. He and his wife could not work… WE MADE A
DIFFERENCE!

9. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by InsuranceCompany,besureto checkwith your agentasto specificridersand benefitsavailability in your state
• FEGdoes notprovidetax or legal advice,pleaseconsultyouradvisors
Our FEG client….another claim
FEG: THE LIVING BENEFITS COMPANY
Bob was 59 years old when he exchanged his Permanent Policy
in for a new one with Living Benefits.
Bob worked out daily and developed a sore leg. It didn’t go
away.
Bob’s problem was diagnosed as ALS.
He received his check in less than one week. He quit his job and
traveled extensively…WE MADE A DIFFERENCE!
Living Benefits
Critical Illness - ALS Valued Carrier
Bob
09/01/14
189,782.64
One Hundred Eight-Nine Thousand Seven Hundred Eighty-Two

10. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by InsuranceCompany,besureto checkwith your agentasto specificridersand benefitsavailability in your state
• FEGdoes notprovidetax or legal advice,pleaseconsultyouradvisors
DOZENS of claims in just a few short years
FEG: THE LIVING BENEFITS COMPANY
Greg bought an inexpensive Term policy. He was a healthy guy
who never got sick.
In September 2014 Greg had a physical with extensive blood
work… All ok
In November, Greg had his first colonoscopy and detected
Stage 3 Cancer…WE MADE A DIFFERENCE!
Living Benefits
Critical Illness - Cancer Valued Carrier
03/01/15
198,643.81
One Hundred Ninety-Eight Thousand Six Hundred Forty-Three
Greg

11. Living Benefit Riders
Pay Medical Expenses or
Seek Alternative Treatment
Funds Can be Used for Anything
Bucket List
Payoff Your
Home
College Funding
Pay Medical Expenses or
Seek Alternative Treatment
Bucket List

12. LIVING BENEFITS ARE AVAILABLE TWO WAYS
Indexed Universal Life
PERMANENT
• Coverage to age 121
• Cash Value Growth
• Index Linked Gains
• Tax Advantaged
Income
Term Life Insurance
TERMINATES
• Coverage to age 90 (will
vary by Company)
• No Cash Value Growth
• Lowest Cost/Short Term
• Expensive Long Term
Which solution fits your Budget?
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in yourstate
• FEG does not providetax or legal advice, pleaseconsult your advisors

13. PROBLEM #2
WHAT IF I LIVE TOO LONG?
• Most of our country's retirement wealth is in
banks, precious metals, real estate, or
IRA/401k/403b
• A LARGE % of this money could be lost to risk,
fees and taxes.
• Market downturns can delay or destroy your
retirement plans.
• 82% of married Americans with dependents
fear they will outlive their money in
Retirement*
FEG’SNEWWORLDOFMONEY
• FEG does not providetax or legal advice, pleaseconsult your advisors. *2010 study
https://www.allianzlife.com/retirement-and-planning-tools/reclaiming-the-future/white-paper-

14. Who will take care of us
when we retire?
Will you be DEPENDENT or
INDEPENDENT ?
THE GOVERNMENT…18 TRILLION IN DEBT
• Social Security: will it be enough? 77 Million Baby
Boomers = EXPENSIVE
COMPANY PENSION…A THING OF THE PAST
• These are becoming hard to find
IRA/401k…TAX PRISON/PERSONAL SAVINGS
• What will your future tax rate be?
OUR CHILDREN
• Can they afford us?
• Benefits vary by InsuranceCompany, besureto check with your agent as to specific riders and benefits availability
in your state. FEG does not providetax or legal advice, pleaseconsult your advisors

15. COMPOUND INTEREST – RULE OF 72
Divide 72 by the rate of return to determine the
number of years it take’s your money to double
36yrs to
double
18yrs to
double
12yrs to
double
9yrs to
double
7.2yrs to
double
PERFORMANCE MATTERS…
MAKE YOUR MONEY WORK HARD

16. SOLUTION: INDEX UNIVERSAL
LIFE & ANNUITIES
The Greatest Wealth Accumulation and
Wealth Preservation Vehicles of our Time
THE NEW WORLD OF MONEY

17. UPSIDEPOTENTIALDOWNSIDEPROTECTION
$90,000
$110,000
$130,000
$150,000
$170,000
$190,000
$210,000
$230,000
$250,000
S&P Indexed Annuity Minimum Guaranteed
RED LINE vs BLUE LINE
Index Annuity caps andparticipation rates vary by product and insurancecompany,consult with your agent

18. Rule #1: Never Lose Money
Rule #2: Don’t Forget Rule #1
WARRENBUFFETT’S2RULES
Indexing…Upside potential with no
downside market risk

19. “Invest like the
wealthy where you
participate in market
gains, but are
guaranteed to never
lose when the
market drops”
– Tony Robbins

20. INDEX UNIVERSAL LIFE
THE POWER OF A ZERO TAX BRACKET AT
RETIREMENT
“According to the Congressional Budget Office, if Social
Security, Medicare, and Medicaid go unchanged, the rate
for the lowest tax bracket would increase from 10% to
25%, 25% would rise to 63%, and the 34.9% bracket
would go to 88%”
David McKnight, author
THE POWER OF ZERO
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders
and benefits availability in yourstate
• FEG does not providetax or legal advice, pleaseconsult your advisors

21. MOST PEOPLE PUT THEIR
MONEY IN 4 PLACES
THE MARKET
REAL ESTATE
PRECIOUS METALS
Fixed Rate
S&P Index
The Power of Options
Death Benefit
Living Benefits
Tax Free Transfer
(Between Crediting Options)
Tax Free Loans
Guarantees
OLD WAY VS NEW WAY
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits
availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
Insurance Company
“S&P” is a trademark of The McGraw-
Hill Companies, Inc. and has been
licensed for use by the various
insurance companies. Standard &
Poor’s does not sponsor, endorse,
promote, or make any representation
regarding the advisability of purchasing
the contract.

22. FEGHASTHESOLUTION THE SOLUTION: NEW HIGH TECH IUL LIFE INSURANCE
YOU DON’T HAVE TO DIE TO USE
HOW MUCH DO YOU WANT TO PUT AWAY TO SECURE YOUR FUTURE?
No Cost
Critical, Chronic,
Terminal Illness
Riders
Potential Tax Free Income for Life
Traditional Life
Insurance Tax Free
Distribution
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in yourstate
• FEG does not providetax or legal advice, pleaseconsult your advisors

23. DEBT Total Consumer Debt
FINAL EXP Funeral Expense
EDUCATION Recommend 100K per child
MORTGAGE Total Balance or monthly rent
INCOME REPLACEMENT for ____ years
TOTAL LIFE INSURANCE NEED
A Simple Needs Analysis

24. Retirement Funding Sources
New Money Monthly
Current Life Insurance Premium
Current IRA/401K Contribution
Tax Refund
Total Retirement Budget
Current IRA/401k Balance
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in yourstate
• FEG does not providetax or legal advice, pleaseconsult your advisors

25. Withdrawals may be subject to surrender penalties
imposed by the company. Amounts withdrawn may
also be subject to tax liability or tax penalties. Partial
surrenders and loans may affect policy values and
death benefits.
This material has been prepared for informational and
educational purposes only. It is not intended to
provide, and should not be relied upon for, accounting,
legal, tax or investment advice.
Life insurance products are products of the insurance
industry and are not guaranteed by any bank, federal
agency, nor insured by the FDIC.
DISCLOSURES