TrustGuard Gold Estate Planning Trust. A Legacy Protection Plan Protect Your Family Protect Your Money

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1 TrustGuard Gold Estate Planning Trust SM A Legacy Protection Plan Protect Your Family Protect Your Money

2 The TrustGuard Gold Estate Planning Trust This simple plan combines whole life insurance, available up to age 99, with an estate planning trust. The TrustGuard Gold Estate Planning Trust also features: A minimum of $2,500 and a maximum of $100,000 death benefit Policy benefits continue to grow income tax-free 2 Policy death benefits are income tax-free to beneficiaries Ability to elect multiple beneficiaries Benefits that pay out quickly, avoid probate process and do not require a death certificate in most states Free trust administration Federal income tax-free death benefits 2 Protection from creditors and Medicaid limits, after 5 years 3 A life insurance policy that could increase in value every year 2 2 Growth is not guaranteed. Tax-free by IRS code section 101A. 3 Medicaid rules, as well as their interpretation and application, vary by state and the ability to qualify for a state and/or federal public assistance program IS NOT guaranteed. You should always consult an elder-law attorney or a financial advisor who is knowledgeable in this area on your state s specific rules pertaining to irrevocable assignments, Medicaid eligibility and on using a trust to protect assets. The applicant s individual circumstances at the time of application for government assistance will, in part, determine whether or not the policy will count as a resource. The judgment of the case worker handling the application will also be a factor.

3 Shape Your Legacy and Fulfill Your Final Wishes Teresa s wishes A legacy can mean much more than an amount of money or property left to someone in a will. A legacy is also how you ll be remembered, the good you did and the people you helped. It can refer to money left to loved ones or it can be a bequest to a beloved cause. So what will your legacy be? Leaving a legacy of love Consider Teresa Goldman and her husband Bill. Retired comfortably Enjoyed spending time with their grandchildren Teresa volunteered at a local animal rescue organization, which rehabilitated abandoned and abused animals Several years into retirement, Bill was diagnosed with and succumbed to cancer Situation Teresa was left with very little money after paying for Bill s medical expenses, but her husband had a substantial life insurance policy. When she filed the insurance claim, she was informed that a death certificate was required and it would 2 take days before Growth she d is not guaranteed. receive Tax-free by IRS code section 101A. the death benefit proceeds. Teresa 3 Medicaid rules, as well as their struggled to pay for interpretation Bill s funeral and application, with her dwindling savings. vary by state and the ability to qualify for a state and/or federal public assistance program IS NOT guaranteed. Your clients should always consult an elder-law attorney or a financial advisor who is knowledgeable in this area on your state s specific rules pertaining to irrevocable assignments, Medicaid eligibility and on using a trust to protect assets. The applicant s individual circumstances at the time of application for government assistance will, in part, determine whether or not the policy will count as a resource. The judgment of the case worker handling the application will also be a factor. After this experience, Teresa decided she didn t want her children to worry about how to pay for her funeral. In addition, she wanted to leave college money to her grandchildren. But Teresa also wanted to leave a sum to her personal cause, the animal rescue center. And, she didn t want her money delayed by probate. Taking action Teresa spoke to her financial advisor and learned about the TrustGuard Gold Estate Planning Trust. She liked that she could elect multiple beneficiaries, who would receive the proceeds immediately upon her passing. 1 Teresa purchased a $100,000 TrustGuard Gold insurance policy and irrevocably assigned ownership of the policy to the estate planning trust. Teresa was able to: Set aside funds to help pay for her final expenses Leave her grandchildren money for college, and Leave an endowment to the animal rescue center With just a few simple steps and minimal paperwork, Teresa was able to fulfill her final wishes and shape her legacy with the help of the TrustGuard Gold Estate Planning Trust. The TrustGuard Gold Estate Planning Trust can help you set aside funds to leave a legacy and help pay for your final expenses. For more information, talk to your financial services professional. What will your legacy be? Like Teresa, you may want to leave an endowment to your personal cause. Or maybe you want to leave money to your loved ones without the hassle of a probate process, a day waiting period or death certificate requirement. With the TrustGuard Gold Estate Planning Trust, you can elect multiple beneficiaries, such as: Your children, grandchildren or other relatives A charitable organization that represents your personal cause A religious institution A school or university A friend or neighbor 1 Some restrictions may apply

4 About Forethought Life Insurance Company Forethought Life Insurance Company provides a full suite of annuities and a leading preneed life insurance platform to help solve the pre-retirement, retirement and endof-life challenges facing Americans today. A targeted strategy delivers multifaceted product lines to customers through key distribution relationships across the country. Experienced leadership and financial discipline underlie strong growth and success in the marketplace. Forethought is a subsidiary of Global Atlantic Financial Group Limited, a multi-line insurance and reinsurance company with over $30 billion in assets and 10 offices. Global Atlantic was founded at Goldman Sachs in 2004 and separated as an independent company in April of 2013.

5 Forethought Life Insurance Company One Forethought Center Batesville, IN (800) The Forethought TrustGuard Gold SM Estate Planning Trust is provided by Forethought Life Insurance Company, Indianapolis, Indiana. M8569 (11-14) 2014 Forethought forethought.com forethought.com