Planning for retirement requires important decisions about accumulating sufficient assets and designing a retirement income plan that fits one's needs and goals. Annuities and life insurance products offered by Nsurance Solutions Group can help by providing guaranteed lifetime income, protecting assets from risks like market volatility and long-term care costs, and avoiding probate. These products accumulate money tax-deferred and allow assets to be passed to beneficiaries outside of probate. Nsurance Solutions offers a variety of annuity products to fit different risk tolerances and needs for growth, income, and asset protection.

1. Planning for retirement income requires important decisions!
Let Nsurance Solutions Group help design a plan which fits your needs.
THE NSURANCE SOLUTIONS GROUP
“We’re all about helping you plan for retirement”

2. The Importance of Retirement Planning
Are you concerned about...
• Outliving your retirement income?
• Paying state and federal taxes?
• Getting a satisfactory return on your money?
• Market volatility?
• Probate and estate transfer fees?
• Loss of assets to long-term care?
• Creditors?
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3. Income
Social
Security
Pension
Wages
Interest
$
Monthly
Living
Expenses
$
Savings
Fund
$
Emergencies
$
NEST EGG
The Importance of Retirement Planning
Are the assets in
your NEST EGG
accumulating at a
satisfactory rate?
2014 Property of Tri-State Agency for Senior Solutions . 2

4. • Annuities
• IUL Life Insurance
• Real Estate
• Mutual Funds
• CDs
• Savings Accounts
• Stock market
Retirement Planning Options
for Your Nest Egg
Planning vehicles used should
match both your goals and your
comfort level towards risk.
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5. An Annuity or IUL Life Insurance is part of the
Base that can help protect your money.
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Retirement Planning Options
for Your Nest Egg
• Where are your assets?
• Are they in alignment with your goals
and the level of risk you are willing
to accept?
• If not, should you change your goals
or change where your money is?

6. Even the best laid plans for
a comfortable retirement
can fail if the assets in your
nest egg remain exposed to
unnecessary value loss!
The Importance of Retirement Planning
5
Taxes
Unsatisfactory returns
Market volatility
Long-term care
Creditors
An Annuity or IUL can help control the drain.
$
The types of assets you own should
match your risk tolerance.
Risk Tolerance
51 10
$ $
Excess
Savings
Earnings/
Growth
Nest Egg
IUL
CDs
IRAs
Stocks
Annuities
Mutual
Funds
Money
Market

7. 6
What is an annuity or IUL Life Insurance?
An annuity is an insurance product designed
to accumulate money, tax-deferred (under
current tax laws)
- Often for retirement
- Often provides a guaranteed income for life
An Index Universal Life is an insurance product
designed to accumulate money, tax-deferred (under
current tax laws)
- Often for a Tax-Free retirement
- Often used for Long Term Care

8. What is an Annuity or IUL?
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• Principal is guaranteed and not subject
to market volatility
• Will not affect Social Security
• Annuity Avoids probate in most cases
IUL provides Tax-Free funds to the beneficiary
• May be given special protection from attachments
of creditors, claims, lawsuits, bankruptcies, etc.
• An annuity and IUL are savings vehicles which offers
benefits in two different ways
– To grow or accumulate benefits
– To payout or distribute benefits

9. Annuity – Benefits as a growth vehicle
• Deferred Annuities are used to accumulate money
on either a tax qualified or non-qualified basis
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10. 9
What is a Tax Deferred annuity?
• Provides Long-term tax-deferred growth
• Offers Competitive interest rates
• Like a CD, principal accumulates at interest
• Unlike a CD, interest accumulations are
not taxed until withdrawal
• Provides a minimum interest rate guarantee

11. Another way of looking at it…
TAXABLE INVESTMENT DEFERRED ANNUITY
Year Beg. Yr Value Earnings Principle + Taxes Year-End
EBIT Paid Value
1
5
10
20
30
$10,000
$11,681
$14,184
$20,915
$30,841
$550
$642
$780
$1,150
$1,696
$10,550
$12,323
$14,964
$22,065
$32,537
$154
$180
$218
$322
$475
$10,396
$12,143
$14,746
$21,743
$32,062
Beg. Yr. Earnings Year-End
Value Value
$10,000
$12,388
$16,191
$27,656
$47,241
$550
$681
$891
$1,521
$2,598
$10,550
$13,070
$17,081
$29,178
$49,840
Assumptions
(1) The Annuity and Taxable Accounts earn 5.5 percent a year
(2) The client is in the 28 percent tax bracket
(3) No money is withdrawn before age 59 1/2
(4) EBIT = Earnings Before Income Taxes
(5) If the entire $49,840 is withdrawn after 30 years, the after
tax value would equal $38,685 assuming 28% tax bracket
Over $17,778
More!
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Because you’re not paying taxes while your money is growing, you’re able to get
interest on the principal, interest on interest and interest on tax savings.

12. 11
Annuity and IUL – Payout or
Distribution Benefits
Annuities and IULs can be used to distribute funds to
benefit one’s self or others
• Utilize settlement options on an existing
deferred annuity
• Use a Single Premium Immediate Annuity to
immediately start receiving distribution benefits

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Annuity Distributions for Self
• Withdrawals
• Settlement Options
– Life Income: an income that cannot be outlived
– Period Certain: an income stream for a given
period of time
– Amount Certain: an income stream of a
given amount

14. An Annuity Lets You…
Access Your Money!
Bank and investment accounts, CDs and other taxable
alternatives can’t guarantee an income for life
Tax-deferred Annuity or a Single Premium Immediate
Annuity (SPIA)
• Guarantees your monthly income – It will never
go down
• The Lifetime Income Option guarantees you’ll
receive monthly income for as long as you live
• If you’re concerned about the need for long-term
care, an annuity can help make the funds available

15. 14
Annuity Distributions for Others
• Settlement Options while alive
– Joint Life Income: an income for a couple that
cannot be outlived by the survivor
– Period Certain: an income stream for a given
period of time
– Amount Certain: an income stream of a
given amount
• Settlement Options if deceased (if available)

16. 15
How would you like to pass on your assets?
This Way?
Please note: This is a
simplified diagram of
the probate process
and is not intended to
represent all possible
situations that could
occur. This process
will also vary on a
state by state basis.
Contact your attorney
for details affecting the
process in your state.
DIAGRAM OF THE TYPICAL PROBATE PROCESS
Documents
Filed:
Actions
Taken:
Documents
Filed:
Actions
Taken:
Documents
Filed:
Actions
Taken:
File petition to start
the Probate Process
Publish “Notice of Petition” requesting
the start of the Probate Estate at
least 15 days prior to hearing
Mail Notice of Petition to heirs and
others who may have claim to the
estate and are entitled to receive
notice at least 15 days prior to hearing
Submit legal documents to Court for
judge’s approval, appointing the
administrator of the estate
Court hearing for judge’s approval to
begin the Probate Process and
appoint the administrator of the estate
4 months to 2 years
depending on estate assets and
time needed to resolve claims
Create inventory of the Probate
Estate’s assets and establish
value; file with Court
Give notice to known creditors;
accept or reject creditors’ claims
Pay all debts of the estate and file
tax returns (IRS Form 706 is due
9 months after date of death)
File petition for distribution
of estate assets
Court hearing-Judge signs
Judgment of Final Distribution
Submit legal documents to Court
for Final Distribution of assets
(no hearing required)
Mail notice to heirs and other parties
at least 15 days prior to hearing
Distribute assets to heirs, and file
final income tax returns (if required)
4 to 6 weeks
4 to 6 weeks

17. …or by avoiding probate?
Beneficiary
Annuities
or
Life Insurance*
*Please note: This is a simplified diagram of the probate process and is not intended to represent all possible
situations that could occur. Contact your attorney for details affecting the process in your state.
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How would you like to
pass on your assets?
*In most cases annuities and life insurance may avoid probate

18. There are lots of good reasons to
consider a Nsurance Solutions Annuities
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A Nsurance Solution Annuity Can…
• Provide steady growth for a more secure retirement
• Avoid exposure to probate costs
• Provide funding for nursing home costs and
final expenses
• Defer taxes on your growth
• Guarantee a minimum interest rate
• Guarantee a monthly income

19. Nsurance Solutions has a
Variety of Annuities to Fit Your
Needs
• Single Premium Deferred Annuity
– Traditional Plan
– Bonus Plan
– Indexed Annuity
• Flexible Premium Deferred Annuity
• Single Premium Immediate Annuity
©2007 Property of Bankers Life and Casualty Company.
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Plus one more your money can buy...
Why Choose the Nsurance
Solution?
• Company’s with Solid reputation
• Company’s with over $9,000,000,000 in assets
• 90% of claims paid within 7 days
• $2 Million paid daily in claims
• Local Nsurance representatives
and customer service
• We specialize in seniors.

21. Peace of Mind
How much is it worth to you?
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22. We do not intend to give tax or legal advice. The
information above was written to support the sale
and marketing of insurance and annuity policies
offered by The Nsurance Solutions Group. Based on
your particular circumstances, you should seek
advice from an independent tax adviser. You cannot
rely upon or use the information above for the
purposes of avoiding any tax or tax penalty that may
be imposed by the Internal Revenue Service.
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23. You Have Spent a Lifetime
Accumulating Assets
RETIREMENT INCOME Growth • Security Emergency
LONG-TERM CARE At Home • Nursing Home
FINAL EXPENSES/INCOME Burial • Taxes • Gifts
MEDICAL EXPENSES Medicare Supplement • Part D