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. www.virtual.financial
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
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 $3,106 30 Years $4,322 $17,449 $29,960 50 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 % 10 30 50 70 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 $286.45 per MONT H 40 YEARS $670.98 per MONT H 30 YEARS $1,697.93 per MONT H 20 YEARS $5,466.09 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
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.
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.
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.
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. 2012. http://training.seer.cancer. gov/disease/war/ (24 April 2012). 2 About Heart Attacks American Heart Association. 12 June 2011. http://www.heart.org/heart- ORG/Conditions/HeartAttack/ AboutHeartAttacks/About-Heart- Attacks_UCM_002038_Article.jsp (24 April 2012). 3 Impact of Stoke American Stoke Association. 18 April 2012. http://www.strokeassociation.org/ STROKEORG/AboutStroke/Impact-of-Stroke_UCM_310728_Article.jsp (24 April 2012). 4 Centers for Disease Control and Prevention. National diabetes fact sheet, 2011. Atlanta, GA: U.S. Department of Health and Human- Services; 2012. Available from: http://www.cdc. 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 http://www.uphelp.org/ news/costs-surviving-cardiovascular-disease-it%e2%80%99senough-give-you-heart-attack/2013-03-12. (12 MARCH 2013) 6 More People are Surviving Critical Illnesses United States Critical Illness Insurance Resource Center, 2012. http://criticalillnesspolicies.com/insurance-coverage/ 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 2006. http://www.kff. 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
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 92118. Phone 619-663-6607. VirtualFinancialGroup.com. WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300. WorldFinancialGroup.com BBTB_8.15