Build a Better Tomorrow
|
|
- Shon Roland Lawson
- 5 years ago
- Views:
Transcription
1 Build a Better Tomorrow Virtual Financial is driven by a desire to help the American family get into a better, stronger situation to financial security and achieve true peace of mind.
2 HELPING FAMILIES GAIN FINANCIAL PEACE OF MIND The last several years have been tough on our country. Many families don t feel financially secure or have given up on their dreams of realizing the lifestyle they had always imagined. Many are also not experiencing the true peace of mind that comes from having their financial house in order and are feeling the stress that comes from a lack of money, too much debt, and no real plan to get ahead. Virtual Financial (VF) is committed to helping families get on track to build and live the lifestyle they have always dreamed possible. DRAMATIC MARKET NEED Many financial companies are focused on the wealthy Consequently, many families are dramatically underserved There is an overwhelming need but insufficient distribution At a time when a financial education is needed like never before, the industry as been slow to respond, creating a huge problem for most families. A DIFFERENT KIND OF COMPANY Our Crusade: We need to share the insight and understanding that the wealthy have with every family we can reach. Families must set goals and have a clear plan to reach them. We are driven by our desire to help the American family get into a better, stronger financial situation. Now is the time to put the wealth secrets to work for you and your family. 2
3 THE WEALTH SECRETS PUT THE POWER OF COMPOUND INTEREST TO WORK FOR YOU Look at the difference that getting just a few more interest points can make over time. 5% 10% 12% 10 Years $1,628 $2,593 $3, Years $4,322 $17,449 $29, Years $11,467 $117,391 $289,000 The Power of Compound Interest 70 Years $30,426 $789,747 $2,787,800 $1,000 Lump Sum (One Time Only Investment) 5 % 10 % YEARS YEARS YEARS YEARS 12 % But there are still three major obstacles that can effect the growth of a family s nest egg Time, Taxes, and Market Risk THE EFFECT OF TIME ON YOUR MONEY You must get started right away to maximize the effect of time on the growth of your savings Monthly Savings needed to reach $1,000,000 $ per MONT H 40 YEARS $ per MONT H 30 YEARS $1, per MONT H 20 YEARS $5, per MONT H 10 YEARS Compound Interest Example This is a hypothetical example and does not represent performance of any investment. Does not assume fees, charges or taxes. It is unlikely to sustain one rate of return over time. Return and principal value of investment fluctuate over time. The compound interest illustrated here has been compounded once a year at 8% in a deferred hypothetical account The Effect of Time on Your Money Example All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication future performance. 3
4 THE WEALTH SECRETS THE EFFECT OF TAXES ON YOUR MONEY You must understand the different ways your money is effected by taxation and then chose the right strategy that best fits your needs. Will taxes be going up or down in the future? Current war on terror Government bailouts Aging population: Social Security & Medicare National healthcare National debt THE EFFECT OF MARKET RISK ON YOUR MONEY You must understand the impact of market losses on your money. And then create a strategy that allows for the potential for market growth, yet minimizes the chances for loss of principal and previous gains. 900% 4-50 % LOSS Requires 100 % GAIN 100% 150% 233% 400% -50% -60% -70% -80% It takes much more that many people realize to recover from down years. -90% Effect of Taxes on Your Money Example The tax exempt accounts or products listed in this column must adhere to guidelines and conditions set forth and promulgated by the applicable taxing authority of competent jurisdiction. Failure to follow the applicable rules and regulations could and may result in these accounts or productions losing their favorable tax exempt status.
5 BUILDING FINANCIAL INDEPENDENCE PRODUCTS AND SOLUTIONS Virtual Financial s Associates have access to some of the most respected companies in the industry today. This gives them access to a portfolio of leading-edge products designed to help families achieve financial independence. We then do a personalized Financial Needs Analysis that takes a snapshot of a family s current financial situation and makes recommendations based on their goals and objectives allowing us to select the right products that best fit that family s individual needs. BENEFITS OF A DYNAMIC SOLUTION One of the concepts that is often recommended is the blending of Term Life insurance and Indexed Universal Life Insurance 1. This offers multiple benefits that can help today s families get on track financially. This strategy provides some of these key features and benefits: Protects your family if you die too soon. Protects your account values from market loss, while providing opportunity for upside potential as well. Provides tax-advantaged accumulation and income opportunities. Offers Living Benefits that can protect a family in the case of certain chronic, critical or terminal illnesses. 2 All of these benefits come together in a dynamic solution that most people don t even know exists. Insurance products offered through World Financial Group Insurance Agency, Inc. (WFGIA). 1 This is a hypothetical scenario for example purpose only that is based on the features and performance of a leading Term Life Insurance product and an Indexed Universal Life Insurance (IUL) product. Tax and/or legal advice is not offered by or through Virtual Financial Group, World Financial Group, Inc., or its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. 2 Living Benefits are loans and withdrawals will reduce the policy value and death benefit. Loans are subject to interest charges. If a policy lapses while a loan is outstanding, adverse tax consequences may result, so please consult with and rely on your tax advisor regarding your particular situation. 5 The main purpose of Life Insurance is to provide a death benefit to the beneficiary.
6 BUILDING FINANCIAL INDEPENDENCE MARKET PROTECTION AND MARKET POTENTIAL IN ONE SOLUTION! Many people sacrifice the chance for market returns to have safety of principal. Others sacrifice safety of principal for the chance to have better returns. Indexing can give you access to both market returns and safety of principal. 4,5 4 Source: Standard & Poor s Corporation (Used with permission) 5 This is a hypothetical scenario for illustrative purposes only and does not reflect an actual investment in any product or any actual client experience. This graph is intended to show how an annual point to point index strategy could potentially work. It does not reflect the performance, expenses or charges associated with any actual investment. It should not be viewed as an indication of performance for any particular investment. Past performance is not an indication of future performance. Tax and/or legal advice is not offered by or through Virtual Financial Group or any affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. TAX ADVANTAGES OF INDEXED UNIVERSAL LIFE INSURANCE Indexed Universal Life also offers you certain tax advantages such as: No income tax on potential cash value growth so it grows tax deferred. No income tax on withdrawals through policy loans so you can access most of your cash value income tax-free. No income tax or estate taxes on the death benefit to your beneficiaries. 6 Tax and/or legal advice is not offered by or through Virtual Financial Group, World Financial Group, Inc., or its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. Living Benefits are loans and withdrawals will reduce the policy value and death benefit. Loans are subject to interest charges. If a policy lapses while a loan is outstanding, adverse tax consequences may result, so please consult with and rely on your tax advisor regarding your particular situation. The main purpose of Life Insurance is to provide a death benefit to the beneficiary.
7 BUILDING FINANCIAL INDEPENDENCE WHY LIVING BENEFITS? CANCER Every 30 seconds a new case is diagnosed 1 HEART DISEASE Every 36 seconds someone has a heart attack 2 STROKE Every 40 seconds someone suffers a stroke 3 DIABETES The 7th leading cause of death in the U.S. 4 THE FINANCIAL IMPACT OF ILLNESS The cost of severe heart attack including direct and indirect costs is about $1 million. 5 It has been reported that 60% of all bankruptcies are due to medical issues. Of those that filed for bankruptcy, nearly 80% had health insurance. 6 One in four people with cancer delayed or turned down recommended care because of cost. 7 Living benefits are a revolutionary innovation that offers your family benefits you can use while you are living. It s a combined solution that can help protect your family s plans for today and tomorrow. 1 Cancer Facts & the War on Cancer National Cancer Institute gov/disease/war/ (24 April 2012). 2 About Heart Attacks American Heart Association. 12 June ORG/Conditions/HeartAttack/ AboutHeartAttacks/About-Heart- Attacks_UCM_002038_Article.jsp (24 April 2012). 3 Impact of Stoke American Stoke Association. 18 April STROKEORG/AboutStroke/Impact-of-Stroke_UCM_310728_Article.jsp (24 April 2012). 4 Centers for Disease Control and Prevention. National diabetes fact sheet, Atlanta, GA: U.S. Department of Health and Human- Services; Available from: gov/diabetes/pubs/pdf/ndfs_2011. pdf 5 Dr. Polly Galbraith, Vice President and Chief Medical Director at Assurant Employee Benefits. The Costs of Surviving Cardiovascular Disease news/costs-surviving-cardiovascular-disease-it%e2%80%99senough-give-you-heart-attack/ (12 MARCH 2013) 6 More People are Surviving Critical Illnesses United States Critical Illness Insurance Resource Center, critical-illness-statistics/ (13 April 2012). 7 National Survey of Households Affected by Cancer The USA Today/Kaiser Family Foundation/ Harvard School of Public Health, November org/kaiserpolls/upload/7591.pdf (13 April 2012). The main purpose of Life Insurance is to provide a death benefit to the beneficiary. ONE SOLUTION 7
8 Ask yourself these questions: 1. Could this information help my family and me financially? 2. Would we like to see if our current financial strategies could possibly be improved upon? 3. Are we ready to have the peace of mind that comes from knowing you have sound financial strategies in place? The Next Steps Get with your Virtual Financial Associate and complete your free Financial Needs Analysis today Then, review the results and recommendations with him or her and put your family on track for financial independence. Now is the time to implement the insight and understanding that the wealthy have to get your family into a better, stronger financial situation once and for all. Virtual Financial Group is a financial services marketing company that is associated with World Financial Group, Inc. (WFG) A Transamerica Company. WFG is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. (collectively WFGIA). WFG and WFGIA are affiliated companies. Virtual Financial Group Headquarters: 826 Orange Ave, Coronado CA Phone VirtualFinancialGroup.com. WFG and WFGIA Headquarters: Johns Creek Parkway, Johns Creek, GA Phone: WorldFinancialGroup.com BBTB_8.15
Build a Better Tomorrow
Build a Better Tomorrow Virtual Financial Group is driven by a desire to help the American family get into a better, stronger situation to financial security and achieve true peace of mind. VirtualFinancialGroup.com
More informationVIRTUAL FINANCIAL... COMMITTED TO HELPING FAMILIES
VIRTUAL FINANCIAL... COMMITTED TO HELPING FAMILIES The last several years have been tough on our country. Many families don t feel financially secure or have given up on their dreams of realizing the lifestyle
More informationThe Virtual Advantage
The Virtual Advantage With Virtual Financial Group your dream lifestyle can be closer to reality than you think. Now is the time to build a business that serves your life, not one that is your life. VirtualFinancialGroup.com
More informationIndexed Universal Life Insurance
Indexed Universal Life Insurance A Cash Value Life Insurance Policy A Transamerica Company Life insurance can provide your family with peace of mind. Indexed Universal Life Insurance Protecting your family
More informationCreate Your Success. A Transamerica Company
Create Your Success A Transamerica Company The best way to predict your future is to create it. - Abraham Lincoln This presentation provides you with an overview of: What we believe at World Financial
More informationHelping People Create Better FINANCIAL FUTURES. A Transamerica Company
Helping People Create Better FINANCIAL FUTURES A Transamerica Company 1 Overview What we do: savings, insurance, and more. Our mission is to help build and protect wealth for families. We believe in creating
More informationPlanting the Seeds of a Better FINANCIAL FUTURE. A Transamerica Company
Planting the Seeds of a Better FINANCIAL FUTURE A Transamerica Company Overview What we do: savings, insurance, and more. Our mission is to help build and protect wealth for families. We believe in creating
More informationA Transamerica Company
A Transamerica Company 1 2015 Insurance Barometer Study, Ashley Durham, LIMRA and Life Happens, April 14, 2015. 1 In fact, out of all Americans, acknowledge they have a need for some or more 1 life insurance.
More informationYOUR MONEY WORKING FOR YOU
Money Matters YOUR MONEY WORKING FOR YOU A Transamerica Company YOUR FINANCIAL FUTURE STARTS NOW Many goals and dreams in life such as funding a child s college education, purchasing a home or retiring
More informationCore Financial Concepts. A Transamerica Company
Core Financial Concepts A Transamerica Company Charting your financial future begins with these core concepts The 6 Steps to Financial Independence 1 Are you asking the right questions and making the right
More informationMoney Matters. A Transamerica Company
Money Matters A Transamerica Company No matter your goals, take control of your money now and let it work for you. Your Financial Future Starts Now Many goals and dreams in life such as funding a child
More informationWorld Financial Group
World Financial Group Helping Generations of People Have Better Financial Futures For Use in the United States Only World Financial Group Overview What we do: savings, insurance, and more. Our mission
More informationMISSION TO HELP PEOPLE FROM ALL WALKS OF LIFE BUILD A BETTER FUTURE
MISSION TO HELP PEOPLE FROM ALL WALKS OF LIFE BUILD A BETTER FUTURE CONSIDER THESE THREE QUESTIONS: 1 2 3 Do you know someone who could benefit from this message? Can this information help you, your family
More informationRobert and Margaret Reynolds
Robert Margaret Reynolds Presented by: John Q. Advisor W. th St. Suite 2 Charlotte, NC 2823 Phone: (74) 678-4333 Mobile Phone: (74) 96-2828 Fax: (74) 678-4 E-mail: johnqadvisor@email.com Disclosure WFG
More informationA LEGACY OF A LIFETIME
Business Ownership Program A LEGACY OF A LIFETIME A Transamerica Company The Dream of Creating a Family Legacy Many people dream of one day starting their own business. But nowhere is the chance to realize
More informationTHE FINANCIAL SERVICES BUSINESS PLATFORM INFOGRAPHIC
THE FINANCIAL SERVICES BUSINESS PLATFORM INFOGRAPHIC Information graphics, or infographics, are visual representations of information, data and knowledge. The graphics presented here are designed to help
More informationThe Power of Choice. Financial Solutions for a Better Tomorrow. A Transamerica Company
The Power of Choice Financial Solutions for a Better Tomorrow A Transamerica Company With the power of choice comes more control over your financial future. A Wealth of Resources World Financial Group
More informationThe Power of Choice. Prepare for a Better Future. A Transamerica Company
The Power of Choice Prepare for a Better Future A Transamerica Company With the right options, you can take charge of your financial future. A Wealth of Resources World Financial Group, Inc. (WFG) gives
More informationYOUR GUIDE TO TRANSAMERICA FINANCIAL FOUNDATION IUL LIVING BENEFIT RIDERS
YOUR GUIDE TO TRANSAMERICA FINANCIAL FOUNDATION IUL LIVING BENEFIT RIDERS Index universal life insurance is not a security and index universal life insurance policies are not an investment in the stock
More informationI T S T H E R I G H T C H O I C E
G uaranteed Destinations SM Client Guide I T S T H E R I G H T C H O I C E Where will the future take you? To a second home on the lake? On a trip around the world? The future can be full of opportunities
More informationThe Journey To FINANCIAL SECURITY. A Transamerica Company
The Journey To FINANCIAL SECURITY A Transamerica Company 1 Securing your financial future is a journey, often with many ups and downs, twists and turns. Ideally, you travel on smooth ground with your dreams
More informationAGLAchoice Index Plus
AGLAchoice Index Plus American General Life and Accident Insurance Company (AGLA) provides modern and affordable life insurance products for middle income consumers and Main Street small business owners.
More informationCompensation & Advancement Guidelines
Compensation & Advancement Guidelines United States Effective: January 1, 2011 Updated: June 2015 A Transamerica Company Our Platform. Your Dreams. Never before and, most likely, never again will we experience
More informationONcore Variable Annuities
ONcore Variable Annuities Plan Accumulate Protect Access Table of Contents 2 Plan Overcome Risk Through Planning 6 Accumulate Accumulate Wealth and Manage Risk Using ONcore Variable Annuities 8 Protect
More informationLive Today. Secure Tomorrow.
Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 13-067 Expecting the Unexpected Just because the
More informationWHAT YOUR FINANCIAL PLANNER CAN DO FOR YOU
WHAT YOUR FINANCIAL PLANNER CAN DO FOR YOU Sound Life Financial Services SOUND LIFE FINANCIAL SERVICES Since taking over Sound Life Financial Services in 2014, Jane and Thelma have completely overhauled
More informationLiving Benefits. Use your life insurance policy to get cash when you need it most
Living Benefits Use your life insurance policy to get cash when you need it most More than just a death benefit. Think life insurance exists only to provide a cash settlement for your family after you
More informationWHAT YOUR FINANCIAL PLANNER CAN DO FOR YOU
WHAT YOUR FINANCIAL PLANNER CAN DO FOR YOU Sound Life Financial Services SOUND LIFE FINANCIAL SERVICES Since taking over Sound Life Financial Services in 2014, Jane and Thelma have completely overhauled
More informationTHE IMPORTANCE OFPERSONAL PROTECTION
THE IMPORTANCE OFPERSONAL PROTECTION THE IMPORTANCE OF PERSONAL PROTECTION You re reading this leaflet because your Financial Adviser has identified you have a protection need. They ll help you understand
More informationAGLAchoice Index Plus
AGLAchoice Index Plus American General Life and Accident Insurance Company (AGLA) provides modern and affordable life insurance products for middle income consumers and Main Street small business owners.
More informationTRIPLE YOUR RETIREMENT DOLLARS
From the author of Bullet Proof My Wealth KEN CRUISE TRIPLE YOUR RETIREMENT DOLLARS Learn How to Retire With Enough Table of Contents Chapter 1 - Retirees are Going Broke 3 Chapter 2 - What is 5 Chapter
More informationTHE ALTERNATIVE USING LIFE INSURANCE. Ruth and Al Sample
THE ALTERNATIVE USING LIFE INSURANCE 00307140 CV Prepared for: Ruth and Al Sample This proposal by Pension Concepts has been designed to illustrate how you may increase your retirement income over your
More informationLiving Benefits. A Key to Life Insurance MK2333(0610) TC55294(0510) 30 %
Living Benefits A Key to Life Insurance 30 % 62824 MK2333(0610) TC55294(0510) Plan today. Protect tomorrow. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly,
More informationTerm Insurance. Breathe Easier Worry Less PROTECTING THE ONES WHO DEPEND ON YOU. Products issued by Life Insurance Company of the Southwest
Breathe Easier Worry Less Term Insurance PROTECTING THE ONES WHO DEPEND ON YOU Products issued by Life Insurance Company of the Southwest National Life Group is a trade name representing various affiliates,
More informationGuggenheim Life and Annuity Company. Preserve Multi-Year Guaranteed Annuity Product
Guggenheim Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Product At Guggenheim Life, we are dedicated to serving the needs and financial goals of our customers. No Risk to Your Principal
More informationAmerican Equity s. The. American. EAGLESeries. Premier Eagle10 (FPDA-7-08-FL) For use in Florida only. Declared Interest Rate Fixed Annuity
American Equity s The American EAGLESeries Premier Eagle10 (FPDA-7-08-FL) For use in Florida only. Declared Interest Rate Fixed Annuity Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION
More informationSANADI PLAN BY NATIONAL BONDS. Terms & conditions apply CAMERA / PLAN AHEAD. PROTECT YOUR FUTURE.
Terms & conditions apply SANADI PLAN BY NATIONAL BONDS CAMERA / 1971 2002 PLAN AHEAD. PROTECT YOUR FUTURE. Remember when you patiently used a pencil to rewind cassettes? Or when you had to wait a week
More informationVariable Universal Life Insurance. Virtus VUL. Choices, Growth Potential, Tax Advantages
Variable Universal Life Insurance Virtus VUL Choices, Growth Potential, Tax Advantages Your Future. Your Vision. You have a vision for your future that s uniquely yours. It represents your choices today
More informationLIFE INSURANCE WHOLE LIFE INSURANCE PROTECTION AND POTENTIAL. Is Buy Term and Invest the Rest a strategy for you?
LIFE INSURANCE WHOLE LIFE INSURANCE PROTECTION AND POTENTIAL Is Buy Term and Invest the Rest a strategy for you? Consider your peace of mind with permanent life insurance If you re looking for the peace
More informationSafe Outlook Annuity A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Outlook Annuity A fixed-indexed annuity The Simple Summary 3 Things to Know About the Safe Outlook Annuity: Provides penalty-free withdrawals Offers
More informationIs An Indexed Annuity Right For Me?
Is An Indexed Annuity Right For Me? Our member companies include: Great American Life Insurance Company and Annuity Investors Life Insurance Company Simplify Your Path To Financial Security Longer life
More informationUnderstanding Life Insurance with Living Benefits
Understanding Life Insurance with Living Benefits Products issued by National Life Insurance Company Life Insurance Company of the Southwest National Life Group is a trade name of National Life Insurance
More informationTraditions Gold. American Equity. Gold Standard for a Secure Retirement. For use in California only. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! For use in California only. A Good Plan is Always Better Than a Good Guess The security of your future begins today with
More informationUnderstanding insurance Version 5.2
Understanding insurance Version 5.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. This document
More informationBe out living your life, not outliving your savings.
Talk to your financial advisor to learn more about how an annuity can benefit your retirement plan. Discover the value of an annuity. Be out living your life, not outliving your savings. Discover the value
More informationSolutions for a Changing World
Solutions for a Changing World Something to Believe In Change Time for a Change Financial Solutions for a Changing World There is a great need for a solution in this fast-changing world to help families
More informationMichael and Susan Jones
Michael and Susan Jones Presented by: John Q. Advisor E-mail: john.q.advisor@impact-tech.com DISCLOSURE WFG Financial Dream Map is a suitability and needs analysis developed to define your current financial
More informationAccelerated Benefit Riders
Living Benefits...When You Need Them Most Accelerated Benefit Riders for Life Insurance Terminal Illness Chronic Illness Critical Illness Page 1 Life Comes With Risks A national study 1 found that 62.1%
More informationColumbian s Term Life Insurance with Living Benefits. Benefits you can use when you need them most!
Columbian s Term Life Insurance with Living Benefits Benefits you can use when you need them most! Columbian A company you can trust Columbian has been providing life insurance protection to families for
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 10-2013 13-146 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationDisrupting the Biggest Industry
Vision Presentation Disrupting the Biggest Industry So Americans Can Dream Again The How Money Works Company TM FOR EDUCATIONAL & TRAINING PURPOSES ONLY The largest taxi service owns no cars. STARTED 2009
More informationIncome Select Plus Tax-Deferred Annuity
Income Select Plus Tax-Deferred Annuity Retirement has taken on a different look over the past 20 years. Product issued by American Investors Life Insurance Company, Inc. Income Select Plus Individuals
More informationBalance your financial future
LIFE INSURANCE INDEXED UNIVERSAL LIFE INSURANCE Balance your financial future FOR GENERAL USE WITH THE PUBLIC Life is all about finding the right balance. Balancing your family and career. Balancing healthy
More informationAmerica s Reality. Business Opportunity. Lifestyle. Retirement. Life Insurance. Chronic and Critical Illness
America s Reality Business Opportunity Lifestyle Retirement Life Insurance The U.S. is seriously in danger of losing its entrepreneurial spirit because the number of small businesses created has been declining
More informationLife insurance and TPD cover. Protect their tomorrows
Life insurance and TPD cover Protect their tomorrows Life cover and Total and Permanent Disablement (TPD) cover provide you with the comfort of knowing that a lump sum will be paid if you were to die,
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 06-2016 16-355 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationMEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION. Move confidently into the future REV 0418
MEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION Move confidently into the future 10003559 REV 0418 A financial services company serving financial institutions and their clients worldwide.
More informationPreserve Multi-Year Guaranteed Annuity Product
GUGGENHEIM LIFE AND ANNUITY COMPANY Preserve Multi-Year Guaranteed Annuity Product guggenheim life AND annuity COMPANY Preserve Multi-Year Guaranteed Annuity Product It s never too early to start planning
More informationChoice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!
American Equity Simple Choices for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and a dependable
More informationRetirement Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you.
American Equity Gold Standard for a Secure Retirement The one who works for you. Annuity Contract issued under form series INDEX-2-09 and state variations thereof. A Good Plan is Always Better Than a Good
More informationRetirement Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationA FIELD GUIDE TO TRANSAMERICA S TRENDSETTER LB
A FIELD GUIDE TO TRANSAMERICA S TRENDSETTER LB 2 TRENDSETTER LB A TERM LIFE INSURANCE POLICY WITH LIVING BENEFITS Most people buy life insurance to leave a financial legacy for those left behind, but what
More informationDiscover What s Possible
Discover What s Possible Guaranteed Choice Whole Life Guaranteed Choice Whole Life for Individuals and Families PM6373 Page 1 of 20 There is comfort in predictability There s a certain comfort that comes
More informationSafe Return A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Return A fixed-indexed annuity 3 Things to Know About Safe Return: Provides penalty-free withdrawals Return of premium guarantee Bailout feature on
More informationAvoid Mistakes in Buying Long-Term Care Insurance
Avoid Mistakes in Buying Long-Term Care Insurance Provided to you by: Alan R. Benoy Avoid Mistakes in Buying Long-Term Care Insurance Written by Financial Educators Provided to you by Alan R. Benoy CA
More informationBonus Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and a dependable
More informationPremier Eagle 10. Declared Interest Rate Fixed Annuity. The one who works for you!
Premier Eagle 10 Declared Interest Rate Fixed Annuity The one who works for you! Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard everyday
More informationChoice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!
American Equity Simple Choices for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationFinancial Factoid By: Financial Scenarios, LLC
Financial Factoid By: Financial Scenarios, LLC 1 The Best Supplemental Retirement Plan of the 21 st Century! What You May Be Missing There is a proven, legal strategy that allows you to invest your savings
More informationNational Life Insurance Company
Breathe Easier Worry Less Term Insurance PROTECTING THE ONES WHO DEPEND ON YOU Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company,
More informationTraditions Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you.
American Equity Gold Standard for a Secure Retirement The one who works for you. A Good Plan is Always Better Than a Good Guess. The security of your future begins today with sound planning, and building
More informationChoice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!
Choice 10 American Equity Simple Choices for a Secure Retirement The one who works for you! Choice 10 A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound
More informationNationwide Clear Horizon Fixed & Indexed Annuity. Spend more time with the people who matter most, and less time planning for retirement.
Spend more time with the people who matter most, and less time planning for retirement. Nationwide Clear Horizon Fixed & Indexed Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution
More informationLife and protection insurance explained
protection? illness Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind.
More informationGuaranteed Protection Universal Life
Guaranteed Protection Universal Life Guaranteed Protection Universal Life Discover What s Possible PM8416 Page 1 of 8 Turning a plan into action is the key to bridging the gap between today and the future.
More informationRETIREMENT ISN T THE FINISH LINE... IT S THE STARTING LINE. Unified IncomePlan
RETIREMENT ISN T THE FINISH LINE... IT S THE STARTING LINE. Unified IncomePlan I ve spent my whole life planning for retirement and now I have a plan that gives me the confidence to enjoy retirement. YOUR
More informationretirement income plan
Retirement income guide Build a retirement income plan to last a lifetime What s inside Let s talk about retirement Four factors drive your retirement income strategy Where do you want to be in retirement?
More informationMap Your Course. With preparation, you can help minimize your retirement risks. Underwritten by United of Omaha Life Insurance Company
Map Your Course With preparation, you can help minimize your retirement risks Underwritten by United of Omaha Life Insurance Company 284758 What s your retirement dream? Whether it s traveling the world,
More information5% Bonus PowerDex Elite TM Annuity
Get a 5% bonus on premium dollars Protect your principal from market loss Take advantage of potential index gains Lock in your index gains and get your best year s growth guaranteed! 5% Bonus PowerDex
More informationAccumulation Builder Choice IUL Flexible Premium Adjustable Indexed Life
Life Insurance Illustration Prepared For: Mr Valued Client - Owner/Insured Prepared By: Kirk Marley 4741 Liberty Rd S Salem, OR 97302 (503) 371-8115 January 18, 2013 Table of Contents Introduction........................
More informationAccelerated Death Benefit Endorsements
NOT FOR USE IN CALIFORNIA Accelerated Death Benefit Endorsements Financial Protection To Help With Critical, Chronic and Terminal Illness Client Brochure THIS IS NOT LONG TERM CARE INSURANCE, HEALTH INSURANCE,
More informationAccelerated Benefit Riders
Living Benefits...When You Need Them Most Accelerated Benefit Riders for Life Insurance Terminal Illness Chronic Illness Critical Illness Life Comes With Risks A national study 1 found that 62.1% of bankruptcies
More informationAccumulation Builder Select Indexed Universal Life
Accumulation Builder Select IUL Accumulation Builder Select Indexed Universal Life Discover What s Possible PM8350 Page of 6 The Penn Mutual Life Insurance Company The Penn Insurance and Annuity Company
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 05-2018 18-0448 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationCENTURY PLUS ANNUITY. with Lifetime Income Rider. Single premium, deferred, fixed annuity. American National Insurance Company
CENTURY PLUS ANNUITY with Lifetime Income Rider American National Insurance Company Single premium, deferred, fixed annuity Guaranteed... For Life As retirement approaches, you move from accumulating assets
More informationTRENDSETTER LB (LIVING BENEFITS)
TRENDSETTER LB (LIVING BENEFITS) FREQUENTLY ASKED QUESTIONS TABLE OF CONTENTS Why do I need Living Benefits?...1 What are Living Benefits on a Life Insurance Policy and Accelerated Death Benefits?... How
More informationFoundation Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationAmeritas Growth Index Universal Life Insurance. Help minimize uncertainty and maximize the future.
Ameritas Growth Index Universal Life Insurance Help minimize uncertainty and maximize the future. Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. of New York LI 2221 4-18 A Different Kind of
More informationA small business guide to. Income replacement for business owners
1 Exclusive Report A small business guide to Income replacement for business owners Warning: Content may increase business cash-flow when too sick or hurt to work. It won t if you don t plan! 2 2013 by
More informationFG Guarantee- Platinum 5 YOU. Tax-deferred growth at a fixed interest rate certainty in an uncertain market.
Fixed ANNUITY FG Guarantee- Platinum 5 YOU Tax-deferred growth at a fixed interest rate certainty in an uncertain market. ADV 2011 (02-2019) Fidelity & Guaranty Life Insurance Company 19-0060 FG Guarantee-Platinum
More informationA guide to your retirement income options with TIAA-CREF
A guide to your retirement income options with TIAA-CREF Helping you make important decisions about your retirement How will I know when the time is right to retire? Making the decision to retire is no
More informationTraditions Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationClient Presentations
Best Practices Series Client Presentations Overcoming Objections and Closing the Sale A Transamerica Company The key to successfully helping a family depends on the strength of your needs-based presentation
More informationLegal & General Critical Illness Cover
1 Contents Critical Illness Cover Page 3 What is a critical illness? Page 4 Could it happen to me? Page 5 How can Critical Illness Cover help? Page 6-7 Legal & General Nurse Support Services Page 8-9 Legal
More informationSignature Indexed Universal Life
Signature Indexed Universal Life A flexible premium universal life insurance policy with both fixed and indexed interest crediting options. An Indexed Universal Life Insurance Policy Issued By American
More informationFinancial protection for you and your family
KEY GUIDE Financial protection for you and your family Protecting what matters most Most people s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything
More informationSPECIAL REPORT. How Long Will Your Retirement Income. Last You?
SPECIAL REPORT How Long Will Your Retirement Income Last You? Introduction 1 Introduction 2 Social Security 3 Bridging the Income Gap 4 Potential Solutions 5 Conclusion As you approach retirement or if
More informationA New Generation Retirement Strategy
A New Generation Retirement Strategy Today, Optimizing Retirement Income Requires an Increased Focus on Efficiency 8/13 80060-13A No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not
More informationFG Life-Choice. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Choice Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1309 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 06-2013 13-129 FG Life-Choice Fixed Indexed Universal Life Insurance
More information