This document compares different retirement savings and income options, including traditional 401k/IRA accounts, real estate, stocks, gold, and different types of indexed universal life insurance policies. It shows historical returns over 16 years and hypothetical illustrations of contributions and projected retirement incomes for a 38-year-old female contributing $500 per month for 25 years. The highest projected retirement incomes come from an IUL policy with no caps on the index returns.

1. The Highest Income IUL
The New Cutting Edge in Retirement Income
For Training Purposes ONLY

2. For Training Purposes ONLY
No other
IUL product
produces more
cash value!
ExclusiveNo
Competition

3. A Better Way to Save
Traditional Better Method
Bank 1% to 2.5%
Real Estate
Stocks
Gold
Taxable or Tax Free
Potential Downward Spiral
Fixed 4.5%
Real Estate
No Cap
Less 1.5% fee
+.25%
S&P Index
13.5% Cap +.25%
Gold
14% Cap +.25%
Tax Free & Living Benefits
Question… Where would you rather be?
Max Loan
Rate Guarantee
is 4.5%

4. A 16 Year Look Back
Historical Performance
S&P 500 Index
IUL Indexed to S&P 500 -14% cap and 0% Floor
“Edge” IUL Indexed to DJRE100 - No Cap 1.5% spread
For Training Purposes ONLY

5. For Training Purposes ONLY
401k IRA
S&P 500
Unmanaged
Index
16 year
History
95% of
Mutual Funds
fail to beat
The S&P 500

6. S&P 500
IUL
0% Floor
14% Cap
16 year
History

7. Dow Jones
Real Estate
Index
NO CAP
1.5% Spread
.25% Floor
16 year
History

9. 401K/IRA
S & P Index
IRS Sec.7702
Indexed to
S & P 500
IRS Sec.7702
Indexed to
Dow Jones R/E100
$167,477
No Cap
No Floor
VS
$317,756
14% Cap
0% Floor
VS
$460,684
No Cap. 1.5% Spread
0.25% Floor
Fees
3% -$51,598 VS
IUL COST
Receive Death Benefits & Living Benefits
Taxes
20% -$23,175 VS TAX FREE
Projected
Spendable $92,703
VS $317,756 VS
$460,684
Experts suggest a 4% safe withdrawal in retirement
to avoid running out of money.
4% of $92,703
= $3,600/year VS
15% of $317,756
= $47,000/year VS
20% of $460,684
=$92,000/year

10. Illustration
38 female non-tobacco
$500 month
from age 38-age 62
25 years
Contributes
$150,000
For Training Purposes ONLY

11. 401k IRA
 38 year old female
 Saves $500 a month
 For 25 years until age 63
 Earns 8% yr less 3% fees
 Balance at age 63 $300,000
 $300,000 x 4%= $12,000 yr
 Less Tax 40% per yr $4,800
 Spendable $7,200 yr
For Training Purposes ONLY

12. For Training Purposes ONLY
38 female N/T
$500 month
From age 38
age 62
25 years
Contributes
$150,000
Withdrawals
$65,000 year
If lives to age
88
$1.6 million
Tax Free
&
$547,000 DB
S&P 500
Index IUL
14% Cap
0% Floor

13. For Training Purposes ONLY
Nearly
10 times
more income

14. For Training Purposes ONLY
38 female N/T
$500 month
From age 38- age 62
25 years
Contributes
$150,000
Withdrawals
$105,951 year
1.5 years
If till age 88
$2.6 million
Tax Free
&
$2.6 million DB
“Edge”
Dow Jones R/E
No Cap IUL
15 times
More than
401K IRA

15. For Training Purposes ONLY
Projected
Distribution
$508,152
Target Premium
$10,855

16. For Training Purposes ONLY
S&P 500
Index IUL
14% Cap
0% Floor

17. The “Edge IUL”
Zero Surrender Charges
on Excess Over Target
Starting from day one
10 years declining
For Training Purposes ONLY

18. Underwriting Customer Service
2014 Underwriting
Decisions Made
 79% As applied for
 10% Other than as applied for
 6% Decline
 4% Withdrawn
 1% Postpone
For Training Purposes ONLY

19. Underwriting Customer Service
2014 Underwriting
Requirements
 13% APS
 18% Phone Interview
 18 Days Average to Issued Paid
For Training Purposes ONLY

20. For Training Purposes ONLY

21. For Training Purposes ONLY

22. For Training Purposes ONLY
All information contained in this presentation is intended for general
education and information use only and is not intended as a
solicitation for buying or selling life insurance products.
This presentation is for insurance agent training ONLY and it NOT to be
used with the public
The material in this presentation is not intended to give advice on tax
planning, investments, real estate, accounting, estate planning, or
financial planning but rather to provide education and information
about a possible insurance opportunity.
As with any business opportunity it takes time, and effort without any
guarantee of any financial return.
Assumptions are made in several hypothetical examples to help explain
concepts and are for illustrative purposes only and should in no way be
construed as any type of guarantee.
Past performance is also not a guarantee of future results
Benefits vary by Insurance Company, be sure to check with your
agent as to specific riders and benefits availability in your state
We do not provide tax or legal advice, please consult your advisors

23. Bottom Line!
For Training Purposes ONLY
Projected
Distribution
$508,152 /mo
Target
Premium
$10,855
Projected
Distribution
$174,926 /mo
Target
Premium
$4,767

24. Thank You
For Training Purposes ONLY

25. For Training Purposes ONLY

26. Average
rate of
Return 5.04% $167,477 VS
7.67% $317,756
$150,279
Fees 3% yr
$51,598
VS
IUL COST
Receive:
Benefits
TAXES 20%
$23,176
VS TAX FREE
Spendable $92,703
VS Spendable $317,756
Experts suggest a 4% safe withdraw in retirement –
to avoid running out of money?
4%... $92,703
$3,600 year
VS 15%... $317,756
$47,000 year

27. For Training Purposes ONLY

28. For Training Purposes ONLY

29. For Training Purposes ONLY

30. For Training Purposes ONLY

31. For Training Purposes ONLY

32. For Training Purposes ONLY

33. For Training Purposes ONLY

34. For Training Purposes ONLY

35. For Training Purposes ONLY
2014 numbers
18 days issued paid